Adulting Help

[iamdarkyoshi]

I'm a reno nevada resident. Its nearing time for me to GTFO of my parents' house. I went on Zillow, and found the cheapest house I can find.

 

And its this one:

http://www.zillow.com/homes/for_sale/Reno-NV/pmf,pf_pt/7274216_zpid/13478_rid/50000-_price/194-_mp/pricea_sort/39.803261,-119.381562,39.274789,-120.31952_rect/9_zm/

 

There is absolutely no way in hell that I'm going to live in an apartment, I need space for all my shit.

 

I know absolutely fuck all about adulting, as you can probably tell, so go easy on me. 

 

I've got a 2013 chevy volt as my car, and I bought it right then and there, no loans or anything. So theres transport sorted.

 

Speaking of which, I've never used a credit card. Everything has been debit for me.

 

 

 

So how would one calculate monthly expenses for someone like me? I don't even know where to start.

[themctipers]

Allocate a budget for your food 

then some for your utilities (don't know if an apartment has this but)

some for your apartment (always be able to pay the full amount a few days before the due date)

gas (try to conserve on your gas)

rest goes to your savings 

 

I assume the apartment has your necessary items like a fridge or a microwave 

[themctipers]

Protip: IIRC easy to get credit would be to open up a credit card and put some monthly items on it (cheap, don't use the card for anything else) for example phone bill, Netflix, etc

 

(if I'm wrong, it was a Reddit LPT)

[iamdarkyoshi]

Just now, themctipers said:

Allocate a budget for your food 

then some for your utilities (don't know if an apartment has this but)

some for your apartment (always be able to pay the full amount a few days before the due date)

gas (try to conserve on your gas)

rest goes to your savings 

 

I assume the apartment has your necessary items like a fridge or a microwave 

 

6 minutes ago, iamdarkyoshi said:

There is absolutely no way in hell that I'm going to live in an apartment, I need space for all my shit.

 

 

7 minutes ago, iamdarkyoshi said:

I've got a 2013 chevy volt as my car, and I bought it right then and there, no loans or anything. So theres transport sorted.

 

IE no gasoline for <30 miles

[You_are_a_cunt]

50% of income for expenses, 30% for living, 20% for everything else.

that 50% income should cover worst case scenario when it comes to rent(mortgage, whatever floats your goat)+bills

30% is for food, gas money and other things required for you to actually live decently.

20% is for saving up money, stupidity-induced purchases and everything else that isn't required.

[iamdarkyoshi]

1 minute ago, revsilverspine said:

20% is for saving up money, stupidity-induced purchases and everything else that isn't required.

Nocturnal ebay sessions

[themctipers]

1 minute ago, iamdarkyoshi said:

 

 

IE no gasoline for <30 miles

Well sell some shit. You don't want A house at this point because mortgage, not stable job, maybe a job opportunity outside of your area (with a house you're tied down)

[Clanscorpia]

1 minute ago, iamdarkyoshi said:

Nocturnal ebay sessions

I can agree with this

[Clanscorpia]

Just now, themctipers said:

Well sell some shit. You don't want A house at this point because mortgage, not stable job, maybe a job opportunity outside of your area (with a house you're tied down)

Why are you giving adult advice. Youre 13 and dont even have a job

[You_are_a_cunt]

2 minutes ago, iamdarkyoshi said:

Nocturnal ebay sessions

I am guilty of that more than I'd like to admit.

[themctipers]

1 minute ago, Clanscorpia said:

Why are you giving adult advice. Youre 13 and dont even have a job

I've been planning

[iamdarkyoshi]

2 minutes ago, themctipers said:

Well sell some shit. You don't want A house at this point because mortgage, not stable job, maybe a job opportunity outside of your area (with a house you're tied down)

Its shit I use, like shop tools and stuff. I can't do an apartment. 

[Clanscorpia]

Just now, themctipers said:

I've been planning

SO have I but Im not giving advice

[themctipers]

Just now, iamdarkyoshi said:

Its shit I use, like shop tools and stuff. I can't do an apartment. 

Well put it somewhere?

(up your ass /s)

bigger apartment?

[themctipers]

1 minute ago, Clanscorpia said:

SO have I but Im not giving advice

Well

 

lets just say I have to get my ass out of my parents house by around 18/19 because reasons 

[iamdarkyoshi]

Just now, themctipers said:

Well put it somewhere?

(up your ass /s)

bigger apartment?

I need proper space where I can store stuff and get to it easy, like my wall of electronic parts and shiz

[Clanscorpia]

1 minute ago, themctipers said:

Well

 

lets just say I have to get my ass out of my parents house by around 18/19 because reasons 

thats 5 years, And same but again, not giving advice about stuff other people know much more about

[themctipers]

2 minutes ago, iamdarkyoshi said:

I need proper space where I can store stuff and get to it easy, like my wall of electronic parts and shiz

Under the table 

bathroom (you have to improvise)

on the wall (like you said, that's unused space that's usuable)

under bed (or on top of your bed on not sleeping area)

drawers

1 minute ago, Clanscorpia said:

thats 5 years, And same but again, not giving advice about stuff other people know much more about

Five more years to plan and improve on. 

[iamdarkyoshi]

Just now, themctipers said:

Under the table 

bathroom (you have to improvise)

on the wall (like you said, that's unused space that's usuable)

under bed (or on top of your bed on not sleeping area)

drawers

Five more years to plan and improve on. 

An apartment isn't happening unless I get properly desperate. I don't like living near other humans anyway, I rarely use headphones...

[Hackentosher]

I did a project on this last year, it's in your best interest to find a room mate and probably lease a house, don't try to buy one at 18. This will greatly cut down on your monthly expenses in rent. @revsilverspine covered expenses, so try to live as cheaply as possible until you can find a better paying job. Put money away monthly for when shit hits the fan, your Volt's battery going nuclear for example.

[You_are_a_cunt]

Just now, Hackentosher said:

I did a project on this last year, it's in your best interest to find a room mate and probably lease a house, don't try to buy one at 18. This will greatly cut down on your monthly expenses in rent. @revsilverspine covered expenses, so try to live as cheaply as possible until you can find a better paying job. Put money away monthly for when shit hits the fan, your Volt's battery going nuclear for example.

that 50/30/20 is some Home Ec stuff that I dismissed as useless crap when it was taught to me. Turned out to be actually pretty freakin' good, but still doesn't cover real life (if I'd only be relying on my dayjob, it'd be more like 80/20/ohshit)

[AlwaysFSX]

38 minutes ago, iamdarkyoshi said:

There is absolutely no way in hell that I'm going to live in an apartment, I need space for all my shit.

M8 you have too much shit if that's not enough space for you.

[Ringthane]

Here's something else I didn't see anyone mention: you want a house?  To buy a house?  Get ready for the maintenance costs.  Roof leaking?  That's a few grand if they can't patch it.  Sewer backing up?  Oh, boy.  Furnace goes out?  Fun times.  

 

Yes, those are all huge expenses that don't happen all the time.  But they could and do happen.  I've had to deal with all of them in the time I've lived in the house I'm in now.  And that's just that stuff.  What happens when the fridge dies, or the pipes burst, or the electric overloads?  Foundation issues?  Windows break?  Yeah, insurance might cover some of it, but not all of it.  

 

You need to know what you're getting into before you even think about buying a house.  No landlord's going to pay to fix these things for you.  

 

And let's not even get started on property taxes.

[iamdarkyoshi]

10 minutes ago, Hackentosher said:

it's in your best interest to find a room mate and probably lease a house

For fucks sake I can't even find a friend, I'm so depressed lately I can't even find the motivation to work on projects, let alone make it so I can see my fucking workbench

[iamdarkyoshi]

Just now, wrathoftheturkey said:

 

 

 

In all seriousness, what kind of 

have you got that wouldn't fit in an apartment? A house is a little much to start with, especially one that small

Its a hell of a lot larger than the apartment my family had to stay in while we waited for bullshite to clear, and I also have cats.

 

I mainly need a personal garage for all of my nonsense, plus a space for my car.