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moving out to live on my own

pokemon1988 Avatar
banned6y, 7m agoPosted 6 years, 7 months ago
right
im 21 coming up for 22
am living at home with parent(dont really get on with)so think its time to move out
thing is will i be able to afford it...i live in the stoke area and was wondering roughly how much rent id have to pay a month etc....i have a job which i get £180 a week
pokemon1988 Avatar
banned6y, 7m agoPosted 6 years, 7 months ago
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#1
you may struggle just depends really you have remem its not just rent, you have council tax, electricity, tv licence, phone bills, internet connections, food, etc etc

you pay more for better areas the last thing you want to do is move into a flat/house in bad area where you feel unsafe
banned#2
stay at home as long as you can lol
banned#3
i think most rents are like a £100 a week, well they most certainly are around here, plus all your bills, i would advise anyone to stay where they are and save like hell
#4
see if you could just rent a room with students ? you prob wont be able to afford your own place without sharing. or ask a few mates
#5
You will miss them soon ... lol
banned#6
the bills are a killer mate, i dont think you can quite do it

cheapest rent 100, plus about 20 a week gas/electric 20 council tax, 3 quid a week tv license, about 8 quid a week cheapest internet package

so, thats 151, plus food, and im sure ive forgotten stuff
#7
i agree with everyone else, stay where you are as long as you can and save. it's much harder than people think living on your own
banned#8
are flats as much???
banned#9
pokemon1988
are flats as much???


i was referring to flats, you want a house its more than that :w00t:
#10
jubbyme
the bills are a killer mate, i dont think you can quite do it

cheapest rent 100, plus about 20 a week gas/electric 20 council tax, 3 quid a week tv license, about 8 quid a week cheapest internet package

so, thats 151, plus food, and im sure ive forgotten stuff


water :thumbsup:
banned#11
godddd life is sooooo hard
banned#12
pokemon1988
godddd life is sooooo hard


yep, so now you can appreciate a bit what your parents went through

you just need to stay put and save like mad, and really save for now, forgo lots of stuff so you can be more independant and it will help you and your parents in the long term
banned#13
pokemon1988
godddd life is sooooo hard


if you really pulled ya belt in, how much could you save a week? because once you move out you will never be able to afford to save
#14
All those bills can be halved if you find a flat mate to share with. You got any friends up for it?
banned#15
upto now i have around about £7.500 saved up
banned#16
pokemon1988
upto now i have around about £7.500 saved up


is that 7 and a half thousand,. if so hang on in there and carry on saving like mad, it will be worth it when you look back
banned 1 Like #17
pokemon1988
upto now i have around about £7.500 saved up


thats really good at your age, but you cant move out until you can support it long term, if you move not only will the expenses at first eat into it, they will keep doing that, leaving you in a real mess one year or so from now

you cant believe how much stuff you need to buy when you first move out! you can beg, borrow and get gifted a lot (and you will friends and family can be awesome and generous) but it still is a bottomless pit

we are not meaning to put the mockers on it for you, but wanting you to be realistic and be able to manage it once you do move out
banned#18
so roughly how much should i try to save??
banned#19
pokemon1988
so roughly how much should i try to save??


its not just saving, you need more income, so you can sustain, or you eat into savings

but for now, squeeze every penny into saving, and really really hard, as believe me when you do move out, you will learn the meaning of squeeze
also, you need to learn how to grocery shop for youself, to undertstand what you need and how much it costs its amazing how much of your shop is on stuff you dont realise or are not edible items ( i dunno what your arrangments are at home though)

about another 50 quid a week income and you could just make it (so long as you find rent at 100 per week)
banned#20
pokemon1988
so roughly how much should i try to save??


enough for a mortgage, honestly once you move out you will not save and be lucky if you have savings left if you keep having to dib into it, be really strict with yourself, and set yourself a goal, it will be hard, but will be worth it as once you rent it will be hard to get a deposit together for a mortgage
#21
Could you change jobs, one which pays more? If you lack qualifications then maybe you could do a course at your local college for a year or two whilst still living with your parents and then move out once you're earning more thanks to that qualification..

Also, sharing would make things a lot cheaper. I share with 2 other guys and we pay £90 a week which is just over average for a 3 bedroom house around here.

To give you an idea of some other costs..
[LIST]
[*]Gas/electric: We paid £180 (so £60 each) in total last bill, which covered a 6 month period.
[*]Internet: £20 a month from Virgin media. If the area doesn't have VM then look at O2/Be. They're cheap.
[*]Water: about £30 per month so a tenner each
[/LIST]

Look into other cost cutting measures too. If the buses are good in Stoke maybe consider selling your car (if you have one) and getting a yearly bus pass. Works out a lot cheaper than the cost of a car + petrol + insurance + maintenance.
Having said that, sometimes they're a necessity if the bus service isn't good.
#22
Not sure if its the same in England as up here but how about housing association - part rent/part buy? Its not as expensive as buying but at least you own part of it and can eventually own the whole lot (or sell your share later on). Get your name on the waiting list so when something comes up you may be in a better position moneywise to afford it. Good luck in whatever you decide - I know what its like to want your own place :)
banned#23
I would also say, learn to budget, the bills i mentioned above, plus do your own grocery shopping to get that idea into your weekly budget, plus about another 4 quid per week water, even a low week grocery shopping (considering all the things like toilet rolls etc) will be at 25-30 quid

so right now, its over your budget

you need to write down the costs i mentioned, add it all up, i have not allowed for phone, cell phones, travel expenses, as i dont know your situation
and find out if i have missed any (which i dont doubt i still have) and then learn to live within those parts before you move out



per week:
100 rent
20 gas & leccy
20 council tax
3 tv license
8 internet
4 water
25 grocery items


total £180

then everything you ever need over that, clothes, furniture, travel ,all kinds of stuff will come out of your savings and be gone in a year
#24
jubbyme
its not just saving, you need more income, so you can sustain, or you eat into savings

but for now, squeeze every penny into saving, and really really hard, as believe me when you do move out, you will learn the meaning of squeeze
also, you need to learn how to grocery shop for youself, to undertstand what you need and how much it costs its amazing how much of your shop is on stuff you dont realise or are not edible items ( i dunno what your arrangments are at home though)

about another 50 quid a week income and you could just make it (so long as you find rent at 100 per week)


agree totally - you need a better income just to survive, i wouldn't be jumping straight into a mortgage as others are suggesting but you need an income where you can enjoying living on your own and not be counting every penny - with your current income you would do well not to be in arrears at the end of the month - not a route you want to go down

good luck - maybe try getting a friend on board or if you really want to get away maybe try just renting a room or bedsit to start off
banned#25
cheers for replies guys.....aint really any more jobs going around near me as ive been looking....am desperate to move out of here so will have to keep on saving lol
#26
jubbyme
I would also say, learn to budget, the bills i mentioned above, plus do your own grocery shopping to get that idea into your weekly budget, plus about another 4 quid per week water, even a low week grocery shopping (considering all the things like toilet rolls etc) will be at 25-30 quid

so right now, its over your budget

you need to write down the costs i mentioned, add it all up, i have not allowed for phone, cell phones, travel expenses, as i dont know your situation
and find out if i have missed any (which i dont doubt i still have) and then learn to live within those parts before you move out



per week:
100 rent
20 gas & leccy
20 council tax
3 tv license
8 internet
4 water
25 grocery items


total £180

then everything you ever need over that, clothes, furniture, travel ,all kinds of stuff will come out of your savings and be gone in a year


I would say home insurance is a must too.
1 Like #27
if your parent doesn't get on with you, is it worth asking them for help? they may want you out of their life as much as you need your own space too. just a suggestion.

personally, i'd say try to improve relationship with your parent/s, because it's often when they're no longer around that you wish you'd tried that bit harder.
#28
You'd seriously struggle on £180 a week mate. Try n work things out with your parents.
#29
You should try a site like easyroommate.com Therefore you rent a room on average around 350pm in staffs area and covers all bills apart from food and telephone. Worth a try in the begining. Don't burn bridges with parents though incase it doesn't work out and you need to move back home. Plus they are good for bringing food parcels and having you over for dinner!
#30
It's very likely you'll be eligible for Housing Benefit. It was bought to my attention that even people working full time are eligible if their rent/wages are over/under a certain level. I just used Croydon Council's benefit calculator and if I was earning £250 a week before tax and paying £600 pcm rent, I'd actually be entitled to £73.87 a week. As such, I imagine you'd be entitled to Housing Benefit in your circumstances, although the amount would depend on how much rent you were paying.
#31
Budgeting is a must.

Do you have Excel on your PC? Use it.

Look in papers to find out how much rooms/flats/houses are where you want to set up.

Find out typical running costs of where you can afford: Rent, Gas, Electric, water, rates, phone/broadband, TV licence.

Find out exactly what else you'd need to spend.

Then carry on living at home for a bit.

Every time you have a meal, work out what it would have cost you.

Every week, take money out of your wages to cover what living away from home could have cost you, then bung it in an ISA.

That way you'll see if you could live on what you earn and what living would cost, plus you'll be building up a bit more of a wedge.

If you possibly can: buy. It'll be hideously hard at first but it pays off in the long term. You can only guess how it feels to make the final mortgage payment!

I remember my ole man when I was a kid had a full time job in engineering plus worked at a local garage at weekends, to make ends meet.

Me an' the missus started in a tiny bedsit. Scrimped and saved: Made most of the furniture, except the table (gift) and chairs (Charity shop).

Whatever you do: Don't start borrowing, other than a mortgage. Take advantage of interest -free credit by all means, but make sure you have enough funds in an accessible savings account which could cover all your liabilities if your finances go (technical term coming) tits-up.
#32
jubbyme
the bills are a killer mate, i dont think you can quite do it

cheapest rent 100, plus about 20 a week gas/electric 20 council tax, 3 quid a week tv license, about 8 quid a week cheapest internet package

so, thats 151, plus food, and im sure ive forgotten stuff


8 quid a week cheapest internet package! Are you crazy?! You can forget about council tax if you are a student.
#33
house share is probably the best idea, cuts rent down to about 55-65 per week around stoke (i've just left keele and have friends in newc), still better idea to stay at home as long as possible to save up funds
banned#34
SAVE4IT
8 quid a week cheapest internet package! Are you crazy?! You can forget about council tax if you are a student.


considering most require a phone line, yes, its 24 a month roughly, how is that crazy?

if he was a student he probably wouldnt be earning what he is plus he didnt mention it, so i didnt assume it
anyway, its just a guide to get him to budget out his expenses, I have no idea if he can get any housing benefit to help out, but anyway, it was just to get him to lay out his costs.
#35
cookiemonster83
It's very likely you'll be eligible for Housing Benefit. It was bought to my attention that even people working full time are eligible if their rent/wages are over/under a certain level. I just used Croydon Council's benefit calculator and if I was earning £250 a week before tax and paying £600 pcm rent, I'd actually be entitled to £73.87 a week. As such, I imagine you'd be entitled to Housing Benefit in your circumstances, although the amount would depend on how much rent you were paying.


Wow thats crazy, 4 years ago(so before LHA) and before I was 25 I was earning about £104 before tax and about £80 after tax and council told me the cut off point is £100 and said I was earning too much to claim hb

I was actually far better off being unemployed as then I got rent paid and £45 a week for bills and didnt have to wake up 7am each day and do a hours walk to work, or even if I did a maximum of 12 hours a week work I was better off than working 20 or more!
banned#36
thanks for all replies
#37
jubbyme
considering most require a phone line, yes, its 24 a month roughly, how is that crazy?

if he was a student he probably wouldnt be earning what he is plus he didnt mention it, so i didnt assume it
anyway, its just a guide to get him to budget out his expenses, I have no idea if he can get any housing benefit to help out, but anyway, it was just to get him to lay out his costs.


I stand corrected.
#38
Agree totally with what others have said. If you move out in current circumstances it will only be a short time before you need to go back home. If you leaving would burn that bridge then dont leave before you are more sure of being able to support yourself.
My first move was to a bedsit. Its a bit of a reality check.
Pros - you are not completely alone. Cheaper than a flat. Furnished (if you can call it that). If you get on with others in the accomodation it can be fun but if you dont may be the opposite. Learn about budgeting without such a huge initial outlay.
Cons - security of belongings can be a problem. potentially some shared facilities eg kitchen/bathroom and 'shared' cleaning. Still pay utilities but smaller ammount than for a flat. Everything you own condensed into a very small space. Cheaper lets allow you to save more but then quality is lower.
Explore any other options you may have. Are there any family/extended family that you may be able to live with instead?
#39
Just seen this
http://forums.moneysavingexpert.com/showthread.php?t=2546129
You might find it useful.
#40
I remember working with a women who was looking to buy a house in stoke - they were very cheap at the time.

I did a quick search on Gumtee Stoke for you and there are some cheap places to share. I would not rent a whole flat or house, 1) you might get lonely 2) expensive - bills were like £300 for me and rent about £425 - but this was after I made a deal with landlady and also it was in a nice part of manchester - so for bills and rent it was almost all your monthly earnings.

Anyway, house share is what you should look for if you really want to get out... I left home about your age and it was a good move... http://stoke.gumtree.com/stoke/07/60498007.html - no idea what its like, but its pretty cheap! £45 a week and £5 bills... sure, there will be other bills and food, but take a look on gumtree for shared stuff if you have got to go - I am sure it can be done - if not, have a look for a part time job as well mate.

this one sounds alright £350 inc all bills and wifi - looks like stoke is still cheap http://stoke.gumtree.com/stoke/31/60220431.html


Good luck

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