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Byakuran
01-31-2013, 02:56 PM
I'm wondering if i should move out, i just made this thread to see what other people think about this, and how it is like for them to have moved out, living on your own etc.

I'm 18 almost 19, my college honestly isn't that far from home or anything(45 min. one way)... but i feel like i should become more independant and i want more freedom and in order to do that i would need to move out, but it's so expensive.. i deff. will need to have to take a loan, so yeah.

What are some other pro's and con's of moving out you know?

I don't think there's a thread for this already...i think

ClockHand
01-31-2013, 03:07 PM
debts

Hayashida
01-31-2013, 03:10 PM
ya it can be really really expensive. u gotta pay for electricity, water, internet, rent, food and a whole other buttload of butt-things. That being said, I too am considering going to school in BC, so im gonna have to move out if thats the case so we are in the same boat here puuchan

Rubisko
01-31-2013, 04:30 PM
It may be a bit expensive but imo it was worth moving to a place of my own. I moved when i was 20, and I think that it helped me grow up (at least a little bit). I'd recommend you move out, as long as you find something at a reasonable price
Tomorrow I'll move to the other side of the world, I'm super exited :)

GunZet
01-31-2013, 04:30 PM
Pros: Freedom
Cons: Freedom, severe lack of funds unless you have a stable job with good pay

Black_Shaggie
01-31-2013, 04:44 PM
To put it bluntly, freedom isn't free at all. But you're free to do whatever the hell it is you want but (but be prepared to face the consequences of whatever you do). I say go for it.

Psy
01-31-2013, 11:34 PM
Pro: you can do what ever you want within your means.
Cons: you are on your own. . . even if you have a roommate.

If you had a roommate that would be paying half the household costs you could possibly make it easier on yourself. There is many things to consider with a rookie tho like are they reliable? Stranger? Friend? Family member? Are they mentally stable?

Idk how it is where you are but here they require a deposit for the house, utility's like water gas garbage electricity, cable, Internet.
You need furniture, dinner wear, household products, personal products.
Can you cook? Cooking for yourself is usually cheaper than eating out so if you are strapped for cash you really need to be able to cook.
Would you feel safe being home alone?
Moving out wouldn't be just a physical thing it's a mental thing as well. Can you handle the stress of being on your own? Can you trust yourself to be responsible and sacrifice when needed to get things done?
To me moving out is a great thing to further yourself as an adult but if you do it to FORCE yourself to grow up then its a mistake. You must realize everything is on you and have a plan of action in place or you will be in for some hard times ahead.

What are the terms of the loan?

I am in the same boat to a point. Except I want to move out but there's always something holding me back.
In a few months my sister and her fiancé want to move into a house across from his parents house (they own if and rent it to his older brother but he will be moving when his wife comes back from Korea.) and they want me to move with them. I want to but I pay rent at home and I know its a big help out to my dad because my mom doesn't work. So if I take my income out then things may be real tight for them here.

ClockHand
02-01-2013, 02:52 AM
Doesn't everyone know to cook? I don't know in other places but in here most people know to cook at least basic stuffs (smashed potatoes, rice, spaghetti, meat, vegetables).

Linz
02-01-2013, 08:20 AM
Imma go ahead and give you an alternative view. <:

I'm 21 and I haven't moved out nor do I want to any time soon. I live in an apartment with my mother, who is barely in and has given me all the freedom I have ever desired. I have a stable job, but the pay isn't exactly great. I don't need to pay rent but I do have to pay for my own food and cook it. I am financially responsible and do not rely on my mother to pay for anything bar rent~. I clean and do my own laundry. My mother is more like a housemate than a parent in that respect. I guess I have an ideal set-up.
I sense it is freedom you desire, as stated before, moving out may not do that, in fact it could hindrance you in other ways. For example, you wont have freedom financially, there will be a fuckton of bills to pay, and they're not cheap. You also have to consider any unknown variables like your heating breaking down, a smashed window cause a tree fell in. Would you be able to afford that? You'll have to do your own laundry, your own food shopping, your own cleaning. No parents or siblings to help.
Still staying at home when you're in your twenties is a common occurrence these days. House and rent prices are going up and wages are going down which makes things extremely difficult. I'd say that if you go to Uni, look into student accommodation. You have the freedom you want, but it isn't as harsh as going straight into a new apartment alone. It may give you a taster without bombarding you too much.

Sylux
02-01-2013, 09:38 AM
If I'm not out of the house by summer's end I'm going to become homeless

Hell_Baron
02-01-2013, 10:48 AM
Like said earlier in the thread, you'll have to deal with buttloads of resposibility.
Seen as you (Bya) live in the Benelux you'll have right to a scholarship for people living on their own.
however, that will mostly be spent on electricity/gas/water bills, rent, school, etc.
Also, you might want to employ the services of a nearby foodbank if you only have like a 100 bucks to spend on food a month (you will need to save up some money in case your washing machine or fridge breaks).

So yeah, you will have less money for the fun stuff. My advice would be to take a job on the side in the evenings or weekends... which is easier said than done in the current state of the economy.

indescribable
02-01-2013, 01:19 PM
I have not left home yet, and probably would not if I were in your shoes. I completely understand your desire for more freedom, I truly do, but I would only move out I were financially stable enough to do so. In my opinion, a little more personal freedom is only worth it if you can afford it. Keep working and save up so that you don't need a loan. Also apply for financial assistance if any is available to you, as HB mentioned.

In addition, don't be blindsided by the expenses of living on your own. The big ones are pretty obvious, but the little ones can add up fast. Try to imagine what living on your own would be like, and make a list of everything you think you would need to spend money on regularly. Add things that might only be once in a while occurrences. Everything. Find out how much they would cost, prioritize them and figure out what you could afford and what you would be happy doing without. A little financial planning can go a long way. Also, SAVE everything you can (within reason). This becomes much more difficult to impossible when you're living on your own and going to school, so do as much as you can while you're still at home.

For example, my current situation:
live at home, pay $250 rent monthly
spend $150-$200 monthly on transportation, dining out, personal hygiene, entertainment (a movie, art supplies, etc.), miscellaneous expenses (postage stamps, etc.)
remaining balance (usually $200-$300) goes into savings

My savings are divided into short-term savings (emergency expenses, taxes, or large purchases) and long-term savings (retirement, tuition, REALLY big purchases). Thankfully, I do not currently have to pay for health-insurance, utilities or a cellphone. Even though my daily life might be a little more restricted by rules and generally sharing a household with other people who drive me insane, the financial benefits allow me much more freedom in my spare time. Just some things to keep in mind.


Edit: Also, get on Skype. D: <

Byakuran
02-01-2013, 04:15 PM
I AM ON SKYPE, TAY.

Also, thank you all for your wonderfull opinions!!
It means a lot to me that you all are being very considerate of my situation and mental state... Thank you kindly!

I understand a lot what you all have been coming from, and with freedom comes ofcourse great responsibility.
I obsolutely need to get my finances together, i actually do work part-time and save what i can save.. but since im also paying my own licence i dont end up saving much..

Actually i want myself to become more resposnible and have been feeling that would only happen if driven to the utmost level (like i dont learn for a test until the last day...) so moving out would make me push to do so, but i guess that won't be much fun! but it would be great if i could learn to get my shit together, even though i've been trying so for 3 years while i've been living at home... '
My relationship with my family isnt that great, and i think that moving out will also lift the pressure that my family puts on me, but then again my family is weird so it may just end up putting more pressure on me for moving out... Even though the only ones at home are me and mom most of the time, my brother and sister in law do live with us(temporarely), i still get into fights and religious rants, i would rather not deal with those...

But this is probably not the right decision to deal with those problems... i'll try to figure out my finances first, since this topic is always nagging in a corner in my mind, maybe the real finances on paper will finally put an end at that nagging thought.

Also the loan is from the government and not a bank so the interest is a bit lower than with banks and you can pay after a longer time.

The maximum you can loan is dependable on your situation mine would be i think 300 per month, maybe more. The interest is 0.6&#37;, but you pay AFTER your course finished and you have 15 years after your college degree to finish the pay. the min. term to pay-back per month is 45,41 per month, and depending on your situation you may also sometimes not pay a month or pay less..

jubeh
02-01-2013, 04:25 PM
You need a full time job or to get another part time job. I'm not sure you understand how expensive this is going to be.

Black_Shaggie
02-01-2013, 05:04 PM
Alternatively, you can get in school & use your loan money to get a place...shit just go to school & get a dorm room. That's about as good of a 'practice' for living on your own without having to break your pockets. But remember, student loans have to be paid back too.

In any case, to cut those apron strings is going to cost. Have you considered offering to pay rent at your folks like Indescribable suggested? When I was in college I moved in with my dad & step family because they were in the town I went to school at. I paid my pops a portion of the rent & bout my own grub. He didn't put in restrictions on my movements because I contributed to the household. Let me have the den for my room & it felt like a tiny flat because in theback of the house & I had my own entrance.

Kept catching my teen age step brother trying to sneak girls in there though...

Celestial-Fox
02-02-2013, 06:10 PM
Like Linz said, it's extremely common to live with parents in your 20s, so there's no reason to rush if you're not ready. I live on my own most of the time, but I go back to my parents' house during the summer because it's cheaper. I am responsible for my own food, transportation, and recreation—as well as my monthly student loan payments. I expect within the next year or two that I will stop going back during the summer, but that may also mean that I'll have to get a job where I fly up to the north part of the state and work 10-12 hours a day, seven days a week in two-week intervals to pick up the slack.

Byakuran
11-03-2013, 05:29 PM
NECRO POSTIN,
but i wanted to say i have MOVED OUT. Yeah i totally ignored y'alls advice! haha naw jk, i kept a lot of things in mind and this was the best option for me at the time and now too i guess, no regrets =) (i really mis my mom though... although she is just 7km away, i miss..the idea of her? ;_; )

It wasnt really the age thing that was bothering me, but i did feel i should be more independant, but i also wanted more freedom and peace

Anyways, i just want to say
It's expensive EVERYTHING AAAH. but it's worth it! I did take a student loan and all since i want to live comfortable and pay all my attention to my study (so i didnt want to continue my part time job >.>)

I moved to the city where my college is and my college is only 10min cycling~ and i'm like 7min walking from the city~
The place is on the first floor and a little studio(one room appartment) i have my own kitchen and bathroom and a (very) little balcony haha. I could post pictures if you want but it..isnt that much so dont expect a lot. I havent really decorated yet since it takes monnney i just chose for cheap stuff that could work out, if i had more money my place would've looked nicer =(. but yeah oke!

Thank y'all again for replying and stuff and giving opinions and stuff. <3 LOVE.

Taragon
11-03-2013, 05:33 PM
ya gimme pictures.

jubeh
11-03-2013, 05:55 PM
wouldn't it be funny if you spent the rest of your life in debt

GunZet
11-03-2013, 06:09 PM
Congrats on not listening to our bickering and being truly independent m8. Hopefully the days to come are kind to you on your journey, but beware. The snow hides the wolves in their hunt.
http://inferno-guild.com/wp-content/uploads/2012/12/Brace+yourself+the+quot+I+paused+movie+x+at+the+wr ong+_bf2c586c2f0e17b1c8efb20c24cd9d60.jpg

Hayashida
11-03-2013, 06:18 PM
puuchan post some pictures