Be prepared to buy random things that you never even knew you needed.
That you keep a slipper or roll of newspaper handy for bugs you don't want sharing the same living space with you.
One cup cofee brewers are good for making lunch as well (without a disposable cup = perfect hot water)
1. Clean a little every day, so that you don't get stuck with hours and hours of cleaning later on.
2. Cook your meals. It's not just cheaper, but better tasting and generally healthier.
3. Budget and savings. Keep track of your bills and expenses, and always save a little money aside for emergencies. Emergencies happen a lot more often than you'd think.
Learn how to cook and clean your house...that's pretty much all.
Try to have three months rent in your savings in case you lose your job.
While you're at it, get a starter line of credit. Don't use it as credit but only use it against cash you have in the bank. Pay it off every month. Good way to build up credit quickly and that opens your options to easier living.
During colder months, if you pay for heat, after using the stove instead of shutting the stove door leave it open (after shutting off the stove) to get that extra bit of heat That's basically all I can think of that hasn't been said by others.
Don't lock yourself outside.
YNAB is a nifty bit of software too, btw. Grab it during a Steam sale. And if you're tight on cash, prioritize bills and make payments against the important ones even if you can't pay the whole bill. It won't hurt you as bad as not paying the bill at all....
Oh man, these are all really good tips! Thanks guys! I guess I better learn to cook! :/
(Just don't use any line of credit to pay the bills if you don't have the money... that's a quick way to fall into credit card debt and is working AGAINST you instead of for you like I mentioned above)
Oh, and regarding heat. If you have a ceiling fan, make sure you use the switch on the fan (under the blades) to change the direction of the blades so they rotate clock wise. During the winter, this pushes heat down and sucks up cold air. Since heat rises, pushing it down with the fan keeps the room warmer and prevents precious heat from going through the roof.
Didn't know about the ceiling fan trick! I'll definitely try that out. And the credit thing scares me a little bit, since I'm still in college, I'll hold off on that for now.
I recently learned to cook four years ago when living in uni lodgings. It really cuts down expenses and can be far tastier (or more interesting) than anything you can get from a takeaway!
If you don't have the will power to treat the credit card with respect (and only use it against money in the bank) then yes, avoid a credit card. If you do it the right way though, a credit card is a good tool to help improve your life. Use it FOR you. Too many people use it against them (as... credit) and that's why credit card debt is through the roof. It takes discipline and responsibility.
Like Nathannial said I wanted to have a credit card and the bank owner said it to me : don't use it in waste spend use it in urgency case so its help a lot : >
Yeah, your local bank is a good place to get a starter card. They're usually a lot better about fees, approval, etc. Always best to go to your bank first than a company specifically for loans/credit.
Eventually though, if you ever want to buy your own home, building credit is essential. Don't rush into getting a card if you're not ready (it's responsible of you to acknowledge now might not be the smartest time). Starting earlier means a better credit score/larger history of responsibility/repayment and when that time comes to buy a house you'll have a much better time!
Just to add on to the Credit Card thing, you also want to prepare for the future (like buying a car or house sometime down the line), so it is generally advised to use your credit card like once per month to buy gasoline or groceries or something small, and then immediately pay it off when you get the bill. This will slowly build your credit up over time which is essential if you want to get a house or car in the future (unless you have that much cash laying around to outright buy those things).
In terms of cooking, go for really simple recipes at first. It's better to know how to make a very few things really well than know a dozen recipes that fail more than succeed.
Also, invest in a crock-pot. You throw some meat and veggies in it with water/broth in the morning, and come back home at night to a tender and delicious meal.
While you're at it, try to plan your meals around multiple uses. IE, leftovers can be combined to make something else later Get some Tupperware if you don't have it.. Leftovers can save you a lot of money.
You guys are the best! Thanks! I'll be sure to keep all these things in mind (but it's a lot so no promises tho)
Oh, also... One thing I learned personally hating to do dishes.. Just wash them as you use them individually. XD Waiting until they collect up for a "load" just isn't sanitary and is more trouble than it's worth.
Yeah, I hate doing dishes as well, figured cleaning them after I used them was the best route to take. Saves me loads of time later, especially when I'm too busy elsewhere
Lots of great advise already and Sharm had my first living alone experiences nailed. Also if you're budgeting things.. add in 20% that's not budgeted to something. Because there's always something you forget about that needs doing. Like buying toilet paper! Also for all the cooking, keep a binder that you can keep the recipes you like in. That way you can remember how to make it later
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