How to Move Out of Your Parent’s House While in College

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Before you take the leap and move out on your own, you need to consider how to move out of your parent’s house while in college. There are several factors you need to take into consideration such as how much money you have saved, your credit score, your ability to manage daily household chores, and developing a monthly budget.

(You can read how I got myself drowning in debt here and how I got out of it here and here.)

Analyze Your Current Financial Situation

Before you do anything else, you need to figure out where you stand, right now, financially. Do you have any money saved? Have you thought about what you will need to move out?

So, first things first…

1. Develop a Budget You Can Live With

Trust me, no one likes making a budget, and living on one is even less fun, but if you want to be able to move out of your parent’s house that’s exactly what you will need to do.

Your budget doesn’t have to be anything fancy. Just add up your current expenses (things you pay for now) and then estimate how much you will need to live in your own place.

Decide whether or not you want to live with roommates as this will have a major impact on how much you will need to budget for expenses each month.

You can learn more about how much money you need each month living on your own as a college student here.

2. Determine Your Financial Goals

Next, you will need to determine your financial goals. Sure, you want to be able to pay your expenses, that only makes sense, but what else?

Do you want to:

  • Build an emergency fund
  • Start saving money for your future (buying a home, having a baby, and yes even retirement)
  • Saving money for spring break (not all saving has to be boring!)
  • Save money to pay for books, supplies, and even tuition
  • Save money to start paying off your student loans

Once you have a good handle on your financial goals, you can determine how much money you are going to need for each one and how long it will take you to reach each goal.

Having a goal you can visualize will help you reach it. If it is just some vague notion, you will forget all about it when you see something you really want to buy in the moment.

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3. Decide How Much Money You Will Need to Move Out

Once you move out, there will be plenty of monthly expenses, but what about the cost of actually moving? Those can add up quickly and they are something you will need to consider before moving out of your parent’s home.

These can include items such as:

  • Renting a truck to move your positions
  • Buying furniture if moving to an unfurnished apartment
  • Deposits for utilities such as heat and electricity if not included in your rent
  • Buying household items such as dishes, glasses, towels, and more

Setting up a new apartment can come with a lot of expenses. Sure, there are many things you can live without or buy second-hand, but you will need to do an inventory of what you have now, what you can take with you, and what you will have to buy.

Make Sure You Can Handle the Day-to-Day Realities of Living on Your Own

There are habits you should get into before you move out. These are tasks you will have to deal with once you are on your own and if you can get used to doing them before you move, it will make the transition much easier.

1. Do Your Own Laundry

If your folks are currently doing your laundry put a stop to that immediately. Once you move out, you will need to do your own laundry, so learn how now and keep the habit up.

When you have your own place if you are lucky it will have its own washer and dryer or at least one in the complex.

If you aren’t that lucky then you need to get very familiar with a local laundromat. 

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2. Clean up After Yourself

I’ll be the first to admit I was never very good at cleaning my room when I was younger. My folks use to threaten to burn my room off the house if I didn’t clean it.

Luckily, it never came to that. When I moved into the dorm, I wasn’t great at cleaning my side of the room either. My roommate didn’t thank me for it.

Once I got an apartment with three roommates, they didn’t have to see my bedroom, but I know they wanted me to wash dishes more.

My point, everyone had a right to be angry with me. I took my bad habit of not keeping my room clean into my adult, college life, and looking back, I cringe.

Don’t be that person. Even if you live on your own once you move out of your parent’s house, start on the right foot and keep your new apartment clean.

You’ll feel better for it. I promise.

3. Start Cooking for Yourself

You don’t have to be a fancy chef. Personally, I always hated cooking and still do, but I force myself.

Before you move out, ask for some basic cooking lessons if you don’t know anything about cooking. Then offer to make dinner once a week.

You will be happy you had the practice once you are on your own.

College comes with eating lots of pizza and boxed mac and cheese, but there really is more to life than that.

4. Think About Home Safety

Chances are when living with your folks, you don’t think too much about home safety. 

Once you move out, be sure to practice good safety habits in your new home. That means keep the doors and windows locked, use the security system if you have one, and look through the peephole before opening the for pinterest with peoples feet and moving boxes

Prepare Financially for Your Move

Before you take the leap to move out of your parent’s home, you need to be ready financially.

1. Develop or Increase Your Credit Score

Pretty much every landlord will want to do a credit check on you before renting you an apartment. They need to be sure that you can and will pay the rent.

If you don’t have any credit, the time to establish it is before you move.

If you have credit and have run up credit card bills or have any negative marks on your credit score, try to deal with them before you move, so you can increase your credit score. 

There are also things you shouldn’t do that will affect your score as well. You can read about them here.

2. Get a Credit Card

If you don’t have a credit card, get one. Now, I’m not telling you to go on a spending spree. In fact, you should do the opposite.

Use your card once a month, say for dinner out, and then pay the balance in full each and every month. 

This will help you establish good credit.

Just be warned. It is way too easy to start charging too much stuff you don’t need on a credit card and before you know it you are deeply in debt. It happened to me. 

Check out the links at the top of the page to learn how I get into debt and then how I got myself out of it.

3. Build an Emergency Fund

Once you know how much money you will need each month to survive, build an emergency fund. 

Some people say you need three months of expenses saved. Others say six months or even twelve months.

At the very least, you should shoot for three months of expenses saved in your emergency fund. That way if something terrible happened, you have some breathing room to change directions before things become dire.

4. Start Saving Money

Finally, do what you can to save money every month as well. This doesn’t have to be a big amount. 

Even saving extra change can make a big difference over time if you put it into an investment account like Acorns

The point is, every little bit you save now, will make your life just that much easier and more enjoyable down the line.

pin for pinterest college students and moversRelated Questions:

Should you move out of your parent’s house during college?

This is a decision that you will have to make for yourself. Moneywise, it makes more sense to live at home while at college. That way you will be in a much better financial position when you finish school.

How much money should I have saved before I move out of my parent’s house?

You should save at least three months’ worth of expenses. For example, if your monthly expenses are going to be $1,500 then you should save $4,500 before you move out.

Is it okay to live with your parents while in college?

If you and your parents get along and they are happy having you at home, then living with them during college is a great idea.

Just keep in mind, you’re not a kid anymore, so you want to do chores around the house and offer to pay a small amount of rent if possible.

To Sum it All Up:

When it comes to how to move out of your parent’s home while in college, it is all about preparation. 

Be sure you know your expenses, have your credit built up, an emergency fund, and be ready to tackle the day-to-day responsibilities of living on your own and you will be in great shape.

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