stewartpublishing – Stewart Publishing https://updated.stewartpublishing.com Tue, 21 Mar 2023 02:21:50 +0000 en-US hourly 1 https://wordpress.org/?v=6.6.2 https://updated.stewartpublishing.com/wp-content/uploads/2023/03/cropped-logo-06-32x32.png stewartpublishing – Stewart Publishing https://updated.stewartpublishing.com 32 32 How to Get a GED for Teens https://updated.stewartpublishing.com/how-to-get-a-ged-for-teens/ https://updated.stewartpublishing.com/how-to-get-a-ged-for-teens/#respond Sun, 26 Feb 2023 19:30:30 +0000 https://stewartpublishing.mdshojon.com/?p=1139

Teens! Get a GED to Jump-Start your Job Opportunties

Taking the GED exam can be intimidating for many teenagers and adults without a high school diploma, but it’s necessary to start your path toward better-paying jobs than you’d find otherwise. The more you learn about the General Equivalency Diploma (GED) test, the less likely you are to be nervous about taking it.

That’s why I encourage you to study for the test online and take practice tests before you go in to take the real thing. It’s the best way to familiarize yourself with the test while building confidence that you’ll do a good job. In no time, you’ll earn your GED and start the path toward a better life. Here’s a breakdown of the GED, along with tips you can use to excel in your test!

Overview and History of the Test

The GED program began in 1943, in response to an influx of high school students returning from WWII service. Since then, over 17 million students have earned their GED credentials. The test was revised in 2014, and one of the previous subject areas was removed and replaced by questions to process the student’s deep reasoning skills.

Not every state recognizes the GED credential, since some states require other similar credentials. There are 11 states that don’t use the GED, including Indiana, Maine, Montana, and New York. Several states recognize the HiSET exam. Finally, there’s the NEDP test, which is accepted in the fewest number of states (just nine). This article is extremely helpful and covers multiple exams, so you can be sure you’re taking the right one.

Study Online

There are several steps involved in getting your GED. These rules may apply to the other equivalency exams as well, but it’s best to check each test specifically and use these parameters as a loose guideline.

Check Your State’s GED Requirements

First, ensure that you are eligible to take the GED. Every state has different requirements regarding the minimum age for testing, residency requirements, photo ID, prep course requirements, and high school enrollment requirements (requiring that the student has been out of school for a specified time).

Find Someone to Keep You on Track

This can be a study buddy (someone who’s also taking the GED), a tutor, or just someone who will hold you accountable to ensure you’re working toward the goal and studying regularly. This person serves as your GED coach, guiding you along to success.

Work on the Hardest Subjects First

You may not have time to study every subject area in-depth, so focus first on your known areas of weakness. This is important because the GED requires a minimum score for each section, regardless of how well you do in any other section.

Practice

Get as familiar as you can with the subject matter. Become comfortable with the process and build confidence. As you find yourself becoming more at ease, move on to the next step.

Take the Practice Test

Get familiar with the test and its format. The more familiar you are with the test, the better you’ll do when you take the real thing. While you’re taking the practice test, have your GED coach keep track of whether you’re keeping up the pace to complete each section (and the test, in its entirety) on time. Do this throughout several months as a check to find out where you can improve.

Test Guide

Test Guide offers five math practice quizzes, six language arts practice tests, six writing practice tests, 4 science practice tests, and one social studies practice test. They also link to several other practice tests from other providers. Because the practice tests are randomized, they encourage you to take them multiple times.

Mometrix Test Prep

Mometrix Test Preparation offers a math practice test, a reasoning through language arts practice test, a science practice test, and a social studies practice test. They also offer a GED prep course (for $30 a month), if you’re interested.

Best GED Classes

BGC features a sample practice test, and a practice test set (containing 10 questions each) in every subject (math, social studies, science, and language arts). They also give you the option of completing a longer practice test with a timer and reviewing other helpful tips, like which calculator to use.

4Tests

4Tests  offers two practice tests that cover math, reasoning through language arts, science, and social studies. They also have a handy graph to help show the content of the GED exam, along with helpful tips on how to make the test-taking process easier.

Time for the Real Thing

Once you’ve completed practice tests and studied up, you should feel confident about the idea of taking the real GED. Be sure to get plenty of sleep the night before, and try to eat a nutritious breakfast with Omega-3 fatty acids before your test. Relax! You’ve got this!

Apply for Better Jobs and More

Congratulations! You’ve taken your first step toward self-mastery! You can start applying for better jobs, join the military[1], or pursue higher education. Discover the new realms of possibility that have been opened to you, and remember that as long as you persevere, you can do anything. If you have questions or would like to know more about the GED process, get in touch. I’d be glad to help you.

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How To Look For An Apartment: A guide for teens and Young Adults https://updated.stewartpublishing.com/how-to-look-for-an-apartment/ https://updated.stewartpublishing.com/how-to-look-for-an-apartment/#respond Sun, 12 Feb 2023 04:02:01 +0000 https://stewartpublishing.mdshojon.com/?p=1240 Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


[/vc_column_text][/vc_column][/vc_row][/vc_section]

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


[/vc_column_text][/vc_column][/vc_row][/vc_section]

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


[/vc_column_text][/vc_column][/vc_row][/vc_section]

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


[/vc_column_text][/vc_column][/vc_row][/vc_section]

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


[/vc_column_text][/vc_column][/vc_row][/vc_section]

  • Swimming pools
  • Barbeque areas
  • Firepits
  • Fitness Centers
  • Clubhouses
  • Rooftop Lounges
  • Media Rooms
  • Community Gardens

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


[/vc_column_text][/vc_column][/vc_row][/vc_section]

Recreational

  • Swimming pools
  • Barbeque areas
  • Firepits
  • Fitness Centers
  • Clubhouses
  • Rooftop Lounges
  • Media Rooms
  • Community Gardens

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


[/vc_column_text][/vc_column][/vc_row][/vc_section]

There are several types of amenities that are offered to renters. Here are some examples, sorted by category:

Recreational

  • Swimming pools
  • Barbeque areas
  • Firepits
  • Fitness Centers
  • Clubhouses
  • Rooftop Lounges
  • Media Rooms
  • Community Gardens

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


[/vc_column_text][/vc_column][/vc_row][/vc_section]

 

There are several types of amenities that are offered to renters. Here are some examples, sorted by category:

Recreational

  • Swimming pools
  • Barbeque areas
  • Firepits
  • Fitness Centers
  • Clubhouses
  • Rooftop Lounges
  • Media Rooms
  • Community Gardens

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


[/vc_column_text][/vc_column][/vc_row][/vc_section]

 

Before you choose an apartment, evaluate how close it is to your workplace, college, or training school. If your apartment is too far away, the cost of gas is going to begin cutting into your budget. (More on that later.) One of the best ways to avoid wear and tear on your vehicle is to live close to your school or workplace. You’ll cut down on gas and maintenance costs as well. If you find that you have no choice but to live a considerable distance from your workplace or school, be sure to factor that in as you go over your budget.

What Amenities are You Looking For?

 

There are several types of amenities that are offered to renters. Here are some examples, sorted by category:

Recreational

  • Swimming pools
  • Barbeque areas
  • Firepits
  • Fitness Centers
  • Clubhouses
  • Rooftop Lounges
  • Media Rooms
  • Community Gardens

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


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Read the Lease. If you don’t, you could end up on the hook for a lot more than you bargained for. Always read your rental agreement thoroughly before you sign. Most likely, the lease will have some provisions you do not understand, so ask questions.

Follow other tips to avoid rental scams. Rentberry.com has an entire list of ways to avoid scams. Read the article if you want more advice or resources on how to deal with rental scams.

Proximity to Work or School

 

Before you choose an apartment, evaluate how close it is to your workplace, college, or training school. If your apartment is too far away, the cost of gas is going to begin cutting into your budget. (More on that later.) One of the best ways to avoid wear and tear on your vehicle is to live close to your school or workplace. You’ll cut down on gas and maintenance costs as well. If you find that you have no choice but to live a considerable distance from your workplace or school, be sure to factor that in as you go over your budget.

What Amenities are You Looking For?

 

There are several types of amenities that are offered to renters. Here are some examples, sorted by category:

Recreational

  • Swimming pools
  • Barbeque areas
  • Firepits
  • Fitness Centers
  • Clubhouses
  • Rooftop Lounges
  • Media Rooms
  • Community Gardens

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


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Technology is your friend. Before you rent a place, Google the landlord’s contact information. If you see a photo that seems too good to be true, run a reverse image search on Google or TinEye.

Read the Lease. If you don’t, you could end up on the hook for a lot more than you bargained for. Always read your rental agreement thoroughly before you sign. Most likely, the lease will have some provisions you do not understand, so ask questions.

Follow other tips to avoid rental scams. Rentberry.com has an entire list of ways to avoid scams. Read the article if you want more advice or resources on how to deal with rental scams.

Proximity to Work or School

 

Before you choose an apartment, evaluate how close it is to your workplace, college, or training school. If your apartment is too far away, the cost of gas is going to begin cutting into your budget. (More on that later.) One of the best ways to avoid wear and tear on your vehicle is to live close to your school or workplace. You’ll cut down on gas and maintenance costs as well. If you find that you have no choice but to live a considerable distance from your workplace or school, be sure to factor that in as you go over your budget.

What Amenities are You Looking For?

 

There are several types of amenities that are offered to renters. Here are some examples, sorted by category:

Recreational

  • Swimming pools
  • Barbeque areas
  • Firepits
  • Fitness Centers
  • Clubhouses
  • Rooftop Lounges
  • Media Rooms
  • Community Gardens

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


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Keep a sharp eye out for the middleman scam. If someone tells you that they handle property for the real owners and insists on collecting payment from you, don’t believe them. The person who rented you the apartment and countersigned the lease should direct you to where and how to make your monthly payment. These are some of the most common rental scams out there, so run away while you can.

Technology is your friend. Before you rent a place, Google the landlord’s contact information. If you see a photo that seems too good to be true, run a reverse image search on Google or TinEye.

Read the Lease. If you don’t, you could end up on the hook for a lot more than you bargained for. Always read your rental agreement thoroughly before you sign. Most likely, the lease will have some provisions you do not understand, so ask questions.

Follow other tips to avoid rental scams. Rentberry.com has an entire list of ways to avoid scams. Read the article if you want more advice or resources on how to deal with rental scams.

Proximity to Work or School

 

Before you choose an apartment, evaluate how close it is to your workplace, college, or training school. If your apartment is too far away, the cost of gas is going to begin cutting into your budget. (More on that later.) One of the best ways to avoid wear and tear on your vehicle is to live close to your school or workplace. You’ll cut down on gas and maintenance costs as well. If you find that you have no choice but to live a considerable distance from your workplace or school, be sure to factor that in as you go over your budget.

What Amenities are You Looking For?

 

There are several types of amenities that are offered to renters. Here are some examples, sorted by category:

Recreational

  • Swimming pools
  • Barbeque areas
  • Firepits
  • Fitness Centers
  • Clubhouses
  • Rooftop Lounges
  • Media Rooms
  • Community Gardens

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


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Meet the landlord in person, too. Regardless of the method that you choose to research the apartment, you need to see the physical property and the landlord in person. If they don’t want to interact with you in person, that’s another red flag.

Keep a sharp eye out for the middleman scam. If someone tells you that they handle property for the real owners and insists on collecting payment from you, don’t believe them. The person who rented you the apartment and countersigned the lease should direct you to where and how to make your monthly payment. These are some of the most common rental scams out there, so run away while you can.

Technology is your friend. Before you rent a place, Google the landlord’s contact information. If you see a photo that seems too good to be true, run a reverse image search on Google or TinEye.

Read the Lease. If you don’t, you could end up on the hook for a lot more than you bargained for. Always read your rental agreement thoroughly before you sign. Most likely, the lease will have some provisions you do not understand, so ask questions.

Follow other tips to avoid rental scams. Rentberry.com has an entire list of ways to avoid scams. Read the article if you want more advice or resources on how to deal with rental scams.

Proximity to Work or School

 

Before you choose an apartment, evaluate how close it is to your workplace, college, or training school. If your apartment is too far away, the cost of gas is going to begin cutting into your budget. (More on that later.) One of the best ways to avoid wear and tear on your vehicle is to live close to your school or workplace. You’ll cut down on gas and maintenance costs as well. If you find that you have no choice but to live a considerable distance from your workplace or school, be sure to factor that in as you go over your budget.

What Amenities are You Looking For?

 

There are several types of amenities that are offered to renters. Here are some examples, sorted by category:

Recreational

  • Swimming pools
  • Barbeque areas
  • Firepits
  • Fitness Centers
  • Clubhouses
  • Rooftop Lounges
  • Media Rooms
  • Community Gardens

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


[/vc_column_text][/vc_column][/vc_row][/vc_section]

Avoid sub-leasing unless you absolutely need to do it. It’s very difficult to determine whether the original tenant has the right to sub-lease the property. Both you and the original tenant can be evicted if the landlord finds out that the property was being sub-leased without permission. The safest way to go about sub-leasing is to talk with the original tenant and landlord to see if you can have your name added to the original lease.

Meet the landlord in person, too. Regardless of the method that you choose to research the apartment, you need to see the physical property and the landlord in person. If they don’t want to interact with you in person, that’s another red flag.

Keep a sharp eye out for the middleman scam. If someone tells you that they handle property for the real owners and insists on collecting payment from you, don’t believe them. The person who rented you the apartment and countersigned the lease should direct you to where and how to make your monthly payment. These are some of the most common rental scams out there, so run away while you can.

Technology is your friend. Before you rent a place, Google the landlord’s contact information. If you see a photo that seems too good to be true, run a reverse image search on Google or TinEye.

Read the Lease. If you don’t, you could end up on the hook for a lot more than you bargained for. Always read your rental agreement thoroughly before you sign. Most likely, the lease will have some provisions you do not understand, so ask questions.

Follow other tips to avoid rental scams. Rentberry.com has an entire list of ways to avoid scams. Read the article if you want more advice or resources on how to deal with rental scams.

Proximity to Work or School

 

Before you choose an apartment, evaluate how close it is to your workplace, college, or training school. If your apartment is too far away, the cost of gas is going to begin cutting into your budget. (More on that later.) One of the best ways to avoid wear and tear on your vehicle is to live close to your school or workplace. You’ll cut down on gas and maintenance costs as well. If you find that you have no choice but to live a considerable distance from your workplace or school, be sure to factor that in as you go over your budget.

What Amenities are You Looking For?

 

There are several types of amenities that are offered to renters. Here are some examples, sorted by category:

Recreational

  • Swimming pools
  • Barbeque areas
  • Firepits
  • Fitness Centers
  • Clubhouses
  • Rooftop Lounges
  • Media Rooms
  • Community Gardens

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


[/vc_column_text][/vc_column][/vc_row][/vc_section]

Make sure the lease identifies the owner and that you know who they are. Ask for homeownership documents to prove that you’re speaking to someone with authority to rent the property. This is more of an issue with renting single-family homes and smaller 2-4-unit buildings. This is less of an issue with larger apartment complexes. You should know if the person renting you the apartment owns the building or is authorized to rent it. If they hesitate, don’t sign on the dotted line.

Avoid sub-leasing unless you absolutely need to do it. It’s very difficult to determine whether the original tenant has the right to sub-lease the property. Both you and the original tenant can be evicted if the landlord finds out that the property was being sub-leased without permission. The safest way to go about sub-leasing is to talk with the original tenant and landlord to see if you can have your name added to the original lease.

Meet the landlord in person, too. Regardless of the method that you choose to research the apartment, you need to see the physical property and the landlord in person. If they don’t want to interact with you in person, that’s another red flag.

Keep a sharp eye out for the middleman scam. If someone tells you that they handle property for the real owners and insists on collecting payment from you, don’t believe them. The person who rented you the apartment and countersigned the lease should direct you to where and how to make your monthly payment. These are some of the most common rental scams out there, so run away while you can.

Technology is your friend. Before you rent a place, Google the landlord’s contact information. If you see a photo that seems too good to be true, run a reverse image search on Google or TinEye.

Read the Lease. If you don’t, you could end up on the hook for a lot more than you bargained for. Always read your rental agreement thoroughly before you sign. Most likely, the lease will have some provisions you do not understand, so ask questions.

Follow other tips to avoid rental scams. Rentberry.com has an entire list of ways to avoid scams. Read the article if you want more advice or resources on how to deal with rental scams.

Proximity to Work or School

 

Before you choose an apartment, evaluate how close it is to your workplace, college, or training school. If your apartment is too far away, the cost of gas is going to begin cutting into your budget. (More on that later.) One of the best ways to avoid wear and tear on your vehicle is to live close to your school or workplace. You’ll cut down on gas and maintenance costs as well. If you find that you have no choice but to live a considerable distance from your workplace or school, be sure to factor that in as you go over your budget.

What Amenities are You Looking For?

 

There are several types of amenities that are offered to renters. Here are some examples, sorted by category:

Recreational

  • Swimming pools
  • Barbeque areas
  • Firepits
  • Fitness Centers
  • Clubhouses
  • Rooftop Lounges
  • Media Rooms
  • Community Gardens

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


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Sign a written lease. Only a written lease is legally binding, so should a dispute arise, you’ll be grateful to have the agreement on paper. Ensure that the landlord signs the lease as well and that you have a copy of the contract. (If you e-sign the rental agreement through an apartment listing service like Rentberry, you’ll always have a digital copy at your fingertips.) However, many smaller units (2–4 units) and houses are owned by individuals who have different levels of expertise. You should get your contract terms in a written lease, and you should read the lease and ask questions. You may not understand all the lease terms, and don’t be surprised if the landlord doesn’t either. Plus, some cities, such as Chicago, have housing regulations that the landlord may or may not follow. Lease terms are another subject, so, I will just say get it in writing and leave it at that for now.

Make sure the lease identifies the owner and that you know who they are. Ask for homeownership documents to prove that you’re speaking to someone with authority to rent the property. This is more of an issue with renting single-family homes and smaller 2-4-unit buildings. This is less of an issue with larger apartment complexes. You should know if the person renting you the apartment owns the building or is authorized to rent it. If they hesitate, don’t sign on the dotted line.

Avoid sub-leasing unless you absolutely need to do it. It’s very difficult to determine whether the original tenant has the right to sub-lease the property. Both you and the original tenant can be evicted if the landlord finds out that the property was being sub-leased without permission. The safest way to go about sub-leasing is to talk with the original tenant and landlord to see if you can have your name added to the original lease.

Meet the landlord in person, too. Regardless of the method that you choose to research the apartment, you need to see the physical property and the landlord in person. If they don’t want to interact with you in person, that’s another red flag.

Keep a sharp eye out for the middleman scam. If someone tells you that they handle property for the real owners and insists on collecting payment from you, don’t believe them. The person who rented you the apartment and countersigned the lease should direct you to where and how to make your monthly payment. These are some of the most common rental scams out there, so run away while you can.

Technology is your friend. Before you rent a place, Google the landlord’s contact information. If you see a photo that seems too good to be true, run a reverse image search on Google or TinEye.

Read the Lease. If you don’t, you could end up on the hook for a lot more than you bargained for. Always read your rental agreement thoroughly before you sign. Most likely, the lease will have some provisions you do not understand, so ask questions.

Follow other tips to avoid rental scams. Rentberry.com has an entire list of ways to avoid scams. Read the article if you want more advice or resources on how to deal with rental scams.

Proximity to Work or School

 

Before you choose an apartment, evaluate how close it is to your workplace, college, or training school. If your apartment is too far away, the cost of gas is going to begin cutting into your budget. (More on that later.) One of the best ways to avoid wear and tear on your vehicle is to live close to your school or workplace. You’ll cut down on gas and maintenance costs as well. If you find that you have no choice but to live a considerable distance from your workplace or school, be sure to factor that in as you go over your budget.

What Amenities are You Looking For?

 

There are several types of amenities that are offered to renters. Here are some examples, sorted by category:

Recreational

  • Swimming pools
  • Barbeque areas
  • Firepits
  • Fitness Centers
  • Clubhouses
  • Rooftop Lounges
  • Media Rooms
  • Community Gardens

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


[/vc_column_text][/vc_column][/vc_row][/vc_section]

Pictures are a good starting point, but you need to see the apartment. If you encounter a landlord who isn’t willing to show you the property before you sign a lease or make your first monthly payment, just walk away. This is not a legitimate practice, and something is wrong.

Sign a written lease. Only a written lease is legally binding, so should a dispute arise, you’ll be grateful to have the agreement on paper. Ensure that the landlord signs the lease as well and that you have a copy of the contract. (If you e-sign the rental agreement through an apartment listing service like Rentberry, you’ll always have a digital copy at your fingertips.) However, many smaller units (2–4 units) and houses are owned by individuals who have different levels of expertise. You should get your contract terms in a written lease, and you should read the lease and ask questions. You may not understand all the lease terms, and don’t be surprised if the landlord doesn’t either. Plus, some cities, such as Chicago, have housing regulations that the landlord may or may not follow. Lease terms are another subject, so, I will just say get it in writing and leave it at that for now.

Make sure the lease identifies the owner and that you know who they are. Ask for homeownership documents to prove that you’re speaking to someone with authority to rent the property. This is more of an issue with renting single-family homes and smaller 2-4-unit buildings. This is less of an issue with larger apartment complexes. You should know if the person renting you the apartment owns the building or is authorized to rent it. If they hesitate, don’t sign on the dotted line.

Avoid sub-leasing unless you absolutely need to do it. It’s very difficult to determine whether the original tenant has the right to sub-lease the property. Both you and the original tenant can be evicted if the landlord finds out that the property was being sub-leased without permission. The safest way to go about sub-leasing is to talk with the original tenant and landlord to see if you can have your name added to the original lease.

Meet the landlord in person, too. Regardless of the method that you choose to research the apartment, you need to see the physical property and the landlord in person. If they don’t want to interact with you in person, that’s another red flag.

Keep a sharp eye out for the middleman scam. If someone tells you that they handle property for the real owners and insists on collecting payment from you, don’t believe them. The person who rented you the apartment and countersigned the lease should direct you to where and how to make your monthly payment. These are some of the most common rental scams out there, so run away while you can.

Technology is your friend. Before you rent a place, Google the landlord’s contact information. If you see a photo that seems too good to be true, run a reverse image search on Google or TinEye.

Read the Lease. If you don’t, you could end up on the hook for a lot more than you bargained for. Always read your rental agreement thoroughly before you sign. Most likely, the lease will have some provisions you do not understand, so ask questions.

Follow other tips to avoid rental scams. Rentberry.com has an entire list of ways to avoid scams. Read the article if you want more advice or resources on how to deal with rental scams.

Proximity to Work or School

 

Before you choose an apartment, evaluate how close it is to your workplace, college, or training school. If your apartment is too far away, the cost of gas is going to begin cutting into your budget. (More on that later.) One of the best ways to avoid wear and tear on your vehicle is to live close to your school or workplace. You’ll cut down on gas and maintenance costs as well. If you find that you have no choice but to live a considerable distance from your workplace or school, be sure to factor that in as you go over your budget.

What Amenities are You Looking For?

 

There are several types of amenities that are offered to renters. Here are some examples, sorted by category:

Recreational

  • Swimming pools
  • Barbeque areas
  • Firepits
  • Fitness Centers
  • Clubhouses
  • Rooftop Lounges
  • Media Rooms
  • Community Gardens

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


[/vc_column_text][/vc_column][/vc_row][/vc_section]

If you pay in cash, get a receipt. If you are renting in a larger apartment complex operated by a professional management company, they may not take cash. Credit and debit card transitions are easier to audit for apartment owners. However, many landlords of smaller apartments or houses may take cash, in which case just get a written receipt showing you paid the rent.

Pictures are a good starting point, but you need to see the apartment. If you encounter a landlord who isn’t willing to show you the property before you sign a lease or make your first monthly payment, just walk away. This is not a legitimate practice, and something is wrong.

Sign a written lease. Only a written lease is legally binding, so should a dispute arise, you’ll be grateful to have the agreement on paper. Ensure that the landlord signs the lease as well and that you have a copy of the contract. (If you e-sign the rental agreement through an apartment listing service like Rentberry, you’ll always have a digital copy at your fingertips.) However, many smaller units (2–4 units) and houses are owned by individuals who have different levels of expertise. You should get your contract terms in a written lease, and you should read the lease and ask questions. You may not understand all the lease terms, and don’t be surprised if the landlord doesn’t either. Plus, some cities, such as Chicago, have housing regulations that the landlord may or may not follow. Lease terms are another subject, so, I will just say get it in writing and leave it at that for now.

Make sure the lease identifies the owner and that you know who they are. Ask for homeownership documents to prove that you’re speaking to someone with authority to rent the property. This is more of an issue with renting single-family homes and smaller 2-4-unit buildings. This is less of an issue with larger apartment complexes. You should know if the person renting you the apartment owns the building or is authorized to rent it. If they hesitate, don’t sign on the dotted line.

Avoid sub-leasing unless you absolutely need to do it. It’s very difficult to determine whether the original tenant has the right to sub-lease the property. Both you and the original tenant can be evicted if the landlord finds out that the property was being sub-leased without permission. The safest way to go about sub-leasing is to talk with the original tenant and landlord to see if you can have your name added to the original lease.

Meet the landlord in person, too. Regardless of the method that you choose to research the apartment, you need to see the physical property and the landlord in person. If they don’t want to interact with you in person, that’s another red flag.

Keep a sharp eye out for the middleman scam. If someone tells you that they handle property for the real owners and insists on collecting payment from you, don’t believe them. The person who rented you the apartment and countersigned the lease should direct you to where and how to make your monthly payment. These are some of the most common rental scams out there, so run away while you can.

Technology is your friend. Before you rent a place, Google the landlord’s contact information. If you see a photo that seems too good to be true, run a reverse image search on Google or TinEye.

Read the Lease. If you don’t, you could end up on the hook for a lot more than you bargained for. Always read your rental agreement thoroughly before you sign. Most likely, the lease will have some provisions you do not understand, so ask questions.

Follow other tips to avoid rental scams. Rentberry.com has an entire list of ways to avoid scams. Read the article if you want more advice or resources on how to deal with rental scams.

Proximity to Work or School

 

Before you choose an apartment, evaluate how close it is to your workplace, college, or training school. If your apartment is too far away, the cost of gas is going to begin cutting into your budget. (More on that later.) One of the best ways to avoid wear and tear on your vehicle is to live close to your school or workplace. You’ll cut down on gas and maintenance costs as well. If you find that you have no choice but to live a considerable distance from your workplace or school, be sure to factor that in as you go over your budget.

What Amenities are You Looking For?

 

There are several types of amenities that are offered to renters. Here are some examples, sorted by category:

Recreational

  • Swimming pools
  • Barbeque areas
  • Firepits
  • Fitness Centers
  • Clubhouses
  • Rooftop Lounges
  • Media Rooms
  • Community Gardens

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


[/vc_column_text][/vc_column][/vc_row][/vc_section]

A sad reality of adulting is that there’s always someone out there who wants to take your money. If you do diligent research, you’ll minimize your chances of being scammed by imposters while you hunt for an apartment. Here are a few ways you can determine whether your dream apartment is truly legitimate:

If you pay in cash, get a receipt. If you are renting in a larger apartment complex operated by a professional management company, they may not take cash. Credit and debit card transitions are easier to audit for apartment owners. However, many landlords of smaller apartments or houses may take cash, in which case just get a written receipt showing you paid the rent.

Pictures are a good starting point, but you need to see the apartment. If you encounter a landlord who isn’t willing to show you the property before you sign a lease or make your first monthly payment, just walk away. This is not a legitimate practice, and something is wrong.

Sign a written lease. Only a written lease is legally binding, so should a dispute arise, you’ll be grateful to have the agreement on paper. Ensure that the landlord signs the lease as well and that you have a copy of the contract. (If you e-sign the rental agreement through an apartment listing service like Rentberry, you’ll always have a digital copy at your fingertips.) However, many smaller units (2–4 units) and houses are owned by individuals who have different levels of expertise. You should get your contract terms in a written lease, and you should read the lease and ask questions. You may not understand all the lease terms, and don’t be surprised if the landlord doesn’t either. Plus, some cities, such as Chicago, have housing regulations that the landlord may or may not follow. Lease terms are another subject, so, I will just say get it in writing and leave it at that for now.

Make sure the lease identifies the owner and that you know who they are. Ask for homeownership documents to prove that you’re speaking to someone with authority to rent the property. This is more of an issue with renting single-family homes and smaller 2-4-unit buildings. This is less of an issue with larger apartment complexes. You should know if the person renting you the apartment owns the building or is authorized to rent it. If they hesitate, don’t sign on the dotted line.

Avoid sub-leasing unless you absolutely need to do it. It’s very difficult to determine whether the original tenant has the right to sub-lease the property. Both you and the original tenant can be evicted if the landlord finds out that the property was being sub-leased without permission. The safest way to go about sub-leasing is to talk with the original tenant and landlord to see if you can have your name added to the original lease.

Meet the landlord in person, too. Regardless of the method that you choose to research the apartment, you need to see the physical property and the landlord in person. If they don’t want to interact with you in person, that’s another red flag.

Keep a sharp eye out for the middleman scam. If someone tells you that they handle property for the real owners and insists on collecting payment from you, don’t believe them. The person who rented you the apartment and countersigned the lease should direct you to where and how to make your monthly payment. These are some of the most common rental scams out there, so run away while you can.

Technology is your friend. Before you rent a place, Google the landlord’s contact information. If you see a photo that seems too good to be true, run a reverse image search on Google or TinEye.

Read the Lease. If you don’t, you could end up on the hook for a lot more than you bargained for. Always read your rental agreement thoroughly before you sign. Most likely, the lease will have some provisions you do not understand, so ask questions.

Follow other tips to avoid rental scams. Rentberry.com has an entire list of ways to avoid scams. Read the article if you want more advice or resources on how to deal with rental scams.

Proximity to Work or School

 

Before you choose an apartment, evaluate how close it is to your workplace, college, or training school. If your apartment is too far away, the cost of gas is going to begin cutting into your budget. (More on that later.) One of the best ways to avoid wear and tear on your vehicle is to live close to your school or workplace. You’ll cut down on gas and maintenance costs as well. If you find that you have no choice but to live a considerable distance from your workplace or school, be sure to factor that in as you go over your budget.

What Amenities are You Looking For?

 

There are several types of amenities that are offered to renters. Here are some examples, sorted by category:

Recreational

  • Swimming pools
  • Barbeque areas
  • Firepits
  • Fitness Centers
  • Clubhouses
  • Rooftop Lounges
  • Media Rooms
  • Community Gardens

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


[/vc_column_text][/vc_column][/vc_row][/vc_section]

 

A sad reality of adulting is that there’s always someone out there who wants to take your money. If you do diligent research, you’ll minimize your chances of being scammed by imposters while you hunt for an apartment. Here are a few ways you can determine whether your dream apartment is truly legitimate:

If you pay in cash, get a receipt. If you are renting in a larger apartment complex operated by a professional management company, they may not take cash. Credit and debit card transitions are easier to audit for apartment owners. However, many landlords of smaller apartments or houses may take cash, in which case just get a written receipt showing you paid the rent.

Pictures are a good starting point, but you need to see the apartment. If you encounter a landlord who isn’t willing to show you the property before you sign a lease or make your first monthly payment, just walk away. This is not a legitimate practice, and something is wrong.

Sign a written lease. Only a written lease is legally binding, so should a dispute arise, you’ll be grateful to have the agreement on paper. Ensure that the landlord signs the lease as well and that you have a copy of the contract. (If you e-sign the rental agreement through an apartment listing service like Rentberry, you’ll always have a digital copy at your fingertips.) However, many smaller units (2–4 units) and houses are owned by individuals who have different levels of expertise. You should get your contract terms in a written lease, and you should read the lease and ask questions. You may not understand all the lease terms, and don’t be surprised if the landlord doesn’t either. Plus, some cities, such as Chicago, have housing regulations that the landlord may or may not follow. Lease terms are another subject, so, I will just say get it in writing and leave it at that for now.

Make sure the lease identifies the owner and that you know who they are. Ask for homeownership documents to prove that you’re speaking to someone with authority to rent the property. This is more of an issue with renting single-family homes and smaller 2-4-unit buildings. This is less of an issue with larger apartment complexes. You should know if the person renting you the apartment owns the building or is authorized to rent it. If they hesitate, don’t sign on the dotted line.

Avoid sub-leasing unless you absolutely need to do it. It’s very difficult to determine whether the original tenant has the right to sub-lease the property. Both you and the original tenant can be evicted if the landlord finds out that the property was being sub-leased without permission. The safest way to go about sub-leasing is to talk with the original tenant and landlord to see if you can have your name added to the original lease.

Meet the landlord in person, too. Regardless of the method that you choose to research the apartment, you need to see the physical property and the landlord in person. If they don’t want to interact with you in person, that’s another red flag.

Keep a sharp eye out for the middleman scam. If someone tells you that they handle property for the real owners and insists on collecting payment from you, don’t believe them. The person who rented you the apartment and countersigned the lease should direct you to where and how to make your monthly payment. These are some of the most common rental scams out there, so run away while you can.

Technology is your friend. Before you rent a place, Google the landlord’s contact information. If you see a photo that seems too good to be true, run a reverse image search on Google or TinEye.

Read the Lease. If you don’t, you could end up on the hook for a lot more than you bargained for. Always read your rental agreement thoroughly before you sign. Most likely, the lease will have some provisions you do not understand, so ask questions.

Follow other tips to avoid rental scams. Rentberry.com has an entire list of ways to avoid scams. Read the article if you want more advice or resources on how to deal with rental scams.

Proximity to Work or School

 

Before you choose an apartment, evaluate how close it is to your workplace, college, or training school. If your apartment is too far away, the cost of gas is going to begin cutting into your budget. (More on that later.) One of the best ways to avoid wear and tear on your vehicle is to live close to your school or workplace. You’ll cut down on gas and maintenance costs as well. If you find that you have no choice but to live a considerable distance from your workplace or school, be sure to factor that in as you go over your budget.

What Amenities are You Looking For?

 

There are several types of amenities that are offered to renters. Here are some examples, sorted by category:

Recreational

  • Swimming pools
  • Barbeque areas
  • Firepits
  • Fitness Centers
  • Clubhouses
  • Rooftop Lounges
  • Media Rooms
  • Community Gardens

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


[/vc_column_text][/vc_column][/vc_row][/vc_section]

 

As in many other areas of life, it really helps to do your research. First, we’ll cover why you need to do your research. Next, we’ll highlight the importance of proximity to work or school, possible amenities that can make your future home more enjoyable, and how to calculate your cost of living in each apartment.

Why You Need to Do Your Research

 

A sad reality of adulting is that there’s always someone out there who wants to take your money. If you do diligent research, you’ll minimize your chances of being scammed by imposters while you hunt for an apartment. Here are a few ways you can determine whether your dream apartment is truly legitimate:

If you pay in cash, get a receipt. If you are renting in a larger apartment complex operated by a professional management company, they may not take cash. Credit and debit card transitions are easier to audit for apartment owners. However, many landlords of smaller apartments or houses may take cash, in which case just get a written receipt showing you paid the rent.

Pictures are a good starting point, but you need to see the apartment. If you encounter a landlord who isn’t willing to show you the property before you sign a lease or make your first monthly payment, just walk away. This is not a legitimate practice, and something is wrong.

Sign a written lease. Only a written lease is legally binding, so should a dispute arise, you’ll be grateful to have the agreement on paper. Ensure that the landlord signs the lease as well and that you have a copy of the contract. (If you e-sign the rental agreement through an apartment listing service like Rentberry, you’ll always have a digital copy at your fingertips.) However, many smaller units (2–4 units) and houses are owned by individuals who have different levels of expertise. You should get your contract terms in a written lease, and you should read the lease and ask questions. You may not understand all the lease terms, and don’t be surprised if the landlord doesn’t either. Plus, some cities, such as Chicago, have housing regulations that the landlord may or may not follow. Lease terms are another subject, so, I will just say get it in writing and leave it at that for now.

Make sure the lease identifies the owner and that you know who they are. Ask for homeownership documents to prove that you’re speaking to someone with authority to rent the property. This is more of an issue with renting single-family homes and smaller 2-4-unit buildings. This is less of an issue with larger apartment complexes. You should know if the person renting you the apartment owns the building or is authorized to rent it. If they hesitate, don’t sign on the dotted line.

Avoid sub-leasing unless you absolutely need to do it. It’s very difficult to determine whether the original tenant has the right to sub-lease the property. Both you and the original tenant can be evicted if the landlord finds out that the property was being sub-leased without permission. The safest way to go about sub-leasing is to talk with the original tenant and landlord to see if you can have your name added to the original lease.

Meet the landlord in person, too. Regardless of the method that you choose to research the apartment, you need to see the physical property and the landlord in person. If they don’t want to interact with you in person, that’s another red flag.

Keep a sharp eye out for the middleman scam. If someone tells you that they handle property for the real owners and insists on collecting payment from you, don’t believe them. The person who rented you the apartment and countersigned the lease should direct you to where and how to make your monthly payment. These are some of the most common rental scams out there, so run away while you can.

Technology is your friend. Before you rent a place, Google the landlord’s contact information. If you see a photo that seems too good to be true, run a reverse image search on Google or TinEye.

Read the Lease. If you don’t, you could end up on the hook for a lot more than you bargained for. Always read your rental agreement thoroughly before you sign. Most likely, the lease will have some provisions you do not understand, so ask questions.

Follow other tips to avoid rental scams. Rentberry.com has an entire list of ways to avoid scams. Read the article if you want more advice or resources on how to deal with rental scams.

Proximity to Work or School

 

Before you choose an apartment, evaluate how close it is to your workplace, college, or training school. If your apartment is too far away, the cost of gas is going to begin cutting into your budget. (More on that later.) One of the best ways to avoid wear and tear on your vehicle is to live close to your school or workplace. You’ll cut down on gas and maintenance costs as well. If you find that you have no choice but to live a considerable distance from your workplace or school, be sure to factor that in as you go over your budget.

What Amenities are You Looking For?

 

There are several types of amenities that are offered to renters. Here are some examples, sorted by category:

Recreational

  • Swimming pools
  • Barbeque areas
  • Firepits
  • Fitness Centers
  • Clubhouses
  • Rooftop Lounges
  • Media Rooms
  • Community Gardens

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


[/vc_column_text][/vc_column][/vc_row][/vc_section]

Sometimes you’ll get the best referrals from family and friends, especially if they already have an apartment in the community where you’re interested in living. Getting a referral from someone you know for both the renter and landlord adds an element of trust because you know a mutual family member or friend. Also, many landlords with small apartments may not advertise online and will use more traditional methods, such as putting a sign on the property or telling family and friends of the apartment’s availability.

If your friend or family member has answered the above questions and you’re still interested, you can ask whether they’d be willing to invite you over to their apartment so you can see what it’s like. Getting referrals is the best way to find an apartment, as long as you know who to ask.

How to Research Your Apartment

 

As in many other areas of life, it really helps to do your research. First, we’ll cover why you need to do your research. Next, we’ll highlight the importance of proximity to work or school, possible amenities that can make your future home more enjoyable, and how to calculate your cost of living in each apartment.

Why You Need to Do Your Research

 

A sad reality of adulting is that there’s always someone out there who wants to take your money. If you do diligent research, you’ll minimize your chances of being scammed by imposters while you hunt for an apartment. Here are a few ways you can determine whether your dream apartment is truly legitimate:

If you pay in cash, get a receipt. If you are renting in a larger apartment complex operated by a professional management company, they may not take cash. Credit and debit card transitions are easier to audit for apartment owners. However, many landlords of smaller apartments or houses may take cash, in which case just get a written receipt showing you paid the rent.

Pictures are a good starting point, but you need to see the apartment. If you encounter a landlord who isn’t willing to show you the property before you sign a lease or make your first monthly payment, just walk away. This is not a legitimate practice, and something is wrong.

Sign a written lease. Only a written lease is legally binding, so should a dispute arise, you’ll be grateful to have the agreement on paper. Ensure that the landlord signs the lease as well and that you have a copy of the contract. (If you e-sign the rental agreement through an apartment listing service like Rentberry, you’ll always have a digital copy at your fingertips.) However, many smaller units (2–4 units) and houses are owned by individuals who have different levels of expertise. You should get your contract terms in a written lease, and you should read the lease and ask questions. You may not understand all the lease terms, and don’t be surprised if the landlord doesn’t either. Plus, some cities, such as Chicago, have housing regulations that the landlord may or may not follow. Lease terms are another subject, so, I will just say get it in writing and leave it at that for now.

Make sure the lease identifies the owner and that you know who they are. Ask for homeownership documents to prove that you’re speaking to someone with authority to rent the property. This is more of an issue with renting single-family homes and smaller 2-4-unit buildings. This is less of an issue with larger apartment complexes. You should know if the person renting you the apartment owns the building or is authorized to rent it. If they hesitate, don’t sign on the dotted line.

Avoid sub-leasing unless you absolutely need to do it. It’s very difficult to determine whether the original tenant has the right to sub-lease the property. Both you and the original tenant can be evicted if the landlord finds out that the property was being sub-leased without permission. The safest way to go about sub-leasing is to talk with the original tenant and landlord to see if you can have your name added to the original lease.

Meet the landlord in person, too. Regardless of the method that you choose to research the apartment, you need to see the physical property and the landlord in person. If they don’t want to interact with you in person, that’s another red flag.

Keep a sharp eye out for the middleman scam. If someone tells you that they handle property for the real owners and insists on collecting payment from you, don’t believe them. The person who rented you the apartment and countersigned the lease should direct you to where and how to make your monthly payment. These are some of the most common rental scams out there, so run away while you can.

Technology is your friend. Before you rent a place, Google the landlord’s contact information. If you see a photo that seems too good to be true, run a reverse image search on Google or TinEye.

Read the Lease. If you don’t, you could end up on the hook for a lot more than you bargained for. Always read your rental agreement thoroughly before you sign. Most likely, the lease will have some provisions you do not understand, so ask questions.

Follow other tips to avoid rental scams. Rentberry.com has an entire list of ways to avoid scams. Read the article if you want more advice or resources on how to deal with rental scams.

Proximity to Work or School

 

Before you choose an apartment, evaluate how close it is to your workplace, college, or training school. If your apartment is too far away, the cost of gas is going to begin cutting into your budget. (More on that later.) One of the best ways to avoid wear and tear on your vehicle is to live close to your school or workplace. You’ll cut down on gas and maintenance costs as well. If you find that you have no choice but to live a considerable distance from your workplace or school, be sure to factor that in as you go over your budget.

What Amenities are You Looking For?

 

There are several types of amenities that are offered to renters. Here are some examples, sorted by category:

Recreational

  • Swimming pools
  • Barbeque areas
  • Firepits
  • Fitness Centers
  • Clubhouses
  • Rooftop Lounges
  • Media Rooms
  • Community Gardens

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


[/vc_column_text][/vc_column][/vc_row][/vc_section]

 

Sometimes you’ll get the best referrals from family and friends, especially if they already have an apartment in the community where you’re interested in living. Getting a referral from someone you know for both the renter and landlord adds an element of trust because you know a mutual family member or friend. Also, many landlords with small apartments may not advertise online and will use more traditional methods, such as putting a sign on the property or telling family and friends of the apartment’s availability.

If your friend or family member has answered the above questions and you’re still interested, you can ask whether they’d be willing to invite you over to their apartment so you can see what it’s like. Getting referrals is the best way to find an apartment, as long as you know who to ask.

How to Research Your Apartment

 

As in many other areas of life, it really helps to do your research. First, we’ll cover why you need to do your research. Next, we’ll highlight the importance of proximity to work or school, possible amenities that can make your future home more enjoyable, and how to calculate your cost of living in each apartment.

Why You Need to Do Your Research

 

A sad reality of adulting is that there’s always someone out there who wants to take your money. If you do diligent research, you’ll minimize your chances of being scammed by imposters while you hunt for an apartment. Here are a few ways you can determine whether your dream apartment is truly legitimate:

If you pay in cash, get a receipt. If you are renting in a larger apartment complex operated by a professional management company, they may not take cash. Credit and debit card transitions are easier to audit for apartment owners. However, many landlords of smaller apartments or houses may take cash, in which case just get a written receipt showing you paid the rent.

Pictures are a good starting point, but you need to see the apartment. If you encounter a landlord who isn’t willing to show you the property before you sign a lease or make your first monthly payment, just walk away. This is not a legitimate practice, and something is wrong.

Sign a written lease. Only a written lease is legally binding, so should a dispute arise, you’ll be grateful to have the agreement on paper. Ensure that the landlord signs the lease as well and that you have a copy of the contract. (If you e-sign the rental agreement through an apartment listing service like Rentberry, you’ll always have a digital copy at your fingertips.) However, many smaller units (2–4 units) and houses are owned by individuals who have different levels of expertise. You should get your contract terms in a written lease, and you should read the lease and ask questions. You may not understand all the lease terms, and don’t be surprised if the landlord doesn’t either. Plus, some cities, such as Chicago, have housing regulations that the landlord may or may not follow. Lease terms are another subject, so, I will just say get it in writing and leave it at that for now.

Make sure the lease identifies the owner and that you know who they are. Ask for homeownership documents to prove that you’re speaking to someone with authority to rent the property. This is more of an issue with renting single-family homes and smaller 2-4-unit buildings. This is less of an issue with larger apartment complexes. You should know if the person renting you the apartment owns the building or is authorized to rent it. If they hesitate, don’t sign on the dotted line.

Avoid sub-leasing unless you absolutely need to do it. It’s very difficult to determine whether the original tenant has the right to sub-lease the property. Both you and the original tenant can be evicted if the landlord finds out that the property was being sub-leased without permission. The safest way to go about sub-leasing is to talk with the original tenant and landlord to see if you can have your name added to the original lease.

Meet the landlord in person, too. Regardless of the method that you choose to research the apartment, you need to see the physical property and the landlord in person. If they don’t want to interact with you in person, that’s another red flag.

Keep a sharp eye out for the middleman scam. If someone tells you that they handle property for the real owners and insists on collecting payment from you, don’t believe them. The person who rented you the apartment and countersigned the lease should direct you to where and how to make your monthly payment. These are some of the most common rental scams out there, so run away while you can.

Technology is your friend. Before you rent a place, Google the landlord’s contact information. If you see a photo that seems too good to be true, run a reverse image search on Google or TinEye.

Read the Lease. If you don’t, you could end up on the hook for a lot more than you bargained for. Always read your rental agreement thoroughly before you sign. Most likely, the lease will have some provisions you do not understand, so ask questions.

Follow other tips to avoid rental scams. Rentberry.com has an entire list of ways to avoid scams. Read the article if you want more advice or resources on how to deal with rental scams.

Proximity to Work or School

 

Before you choose an apartment, evaluate how close it is to your workplace, college, or training school. If your apartment is too far away, the cost of gas is going to begin cutting into your budget. (More on that later.) One of the best ways to avoid wear and tear on your vehicle is to live close to your school or workplace. You’ll cut down on gas and maintenance costs as well. If you find that you have no choice but to live a considerable distance from your workplace or school, be sure to factor that in as you go over your budget.

What Amenities are You Looking For?

 

There are several types of amenities that are offered to renters. Here are some examples, sorted by category:

Recreational

  • Swimming pools
  • Barbeque areas
  • Firepits
  • Fitness Centers
  • Clubhouses
  • Rooftop Lounges
  • Media Rooms
  • Community Gardens

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


[/vc_column_text][/vc_column][/vc_row][/vc_section]

  • Whether heat and hot water are included
  • The required amount for the security deposit
  • Available move-in date

You can search using a physical newspaper, which is slowly disappearing, or you can go to the newspaper website. The point is that landlords still advertise in local newspapers.

Apartment Referrals From Family and Friends

 

Sometimes you’ll get the best referrals from family and friends, especially if they already have an apartment in the community where you’re interested in living. Getting a referral from someone you know for both the renter and landlord adds an element of trust because you know a mutual family member or friend. Also, many landlords with small apartments may not advertise online and will use more traditional methods, such as putting a sign on the property or telling family and friends of the apartment’s availability.

If your friend or family member has answered the above questions and you’re still interested, you can ask whether they’d be willing to invite you over to their apartment so you can see what it’s like. Getting referrals is the best way to find an apartment, as long as you know who to ask.

How to Research Your Apartment

 

As in many other areas of life, it really helps to do your research. First, we’ll cover why you need to do your research. Next, we’ll highlight the importance of proximity to work or school, possible amenities that can make your future home more enjoyable, and how to calculate your cost of living in each apartment.

Why You Need to Do Your Research

 

A sad reality of adulting is that there’s always someone out there who wants to take your money. If you do diligent research, you’ll minimize your chances of being scammed by imposters while you hunt for an apartment. Here are a few ways you can determine whether your dream apartment is truly legitimate:

If you pay in cash, get a receipt. If you are renting in a larger apartment complex operated by a professional management company, they may not take cash. Credit and debit card transitions are easier to audit for apartment owners. However, many landlords of smaller apartments or houses may take cash, in which case just get a written receipt showing you paid the rent.

Pictures are a good starting point, but you need to see the apartment. If you encounter a landlord who isn’t willing to show you the property before you sign a lease or make your first monthly payment, just walk away. This is not a legitimate practice, and something is wrong.

Sign a written lease. Only a written lease is legally binding, so should a dispute arise, you’ll be grateful to have the agreement on paper. Ensure that the landlord signs the lease as well and that you have a copy of the contract. (If you e-sign the rental agreement through an apartment listing service like Rentberry, you’ll always have a digital copy at your fingertips.) However, many smaller units (2–4 units) and houses are owned by individuals who have different levels of expertise. You should get your contract terms in a written lease, and you should read the lease and ask questions. You may not understand all the lease terms, and don’t be surprised if the landlord doesn’t either. Plus, some cities, such as Chicago, have housing regulations that the landlord may or may not follow. Lease terms are another subject, so, I will just say get it in writing and leave it at that for now.

Make sure the lease identifies the owner and that you know who they are. Ask for homeownership documents to prove that you’re speaking to someone with authority to rent the property. This is more of an issue with renting single-family homes and smaller 2-4-unit buildings. This is less of an issue with larger apartment complexes. You should know if the person renting you the apartment owns the building or is authorized to rent it. If they hesitate, don’t sign on the dotted line.

Avoid sub-leasing unless you absolutely need to do it. It’s very difficult to determine whether the original tenant has the right to sub-lease the property. Both you and the original tenant can be evicted if the landlord finds out that the property was being sub-leased without permission. The safest way to go about sub-leasing is to talk with the original tenant and landlord to see if you can have your name added to the original lease.

Meet the landlord in person, too. Regardless of the method that you choose to research the apartment, you need to see the physical property and the landlord in person. If they don’t want to interact with you in person, that’s another red flag.

Keep a sharp eye out for the middleman scam. If someone tells you that they handle property for the real owners and insists on collecting payment from you, don’t believe them. The person who rented you the apartment and countersigned the lease should direct you to where and how to make your monthly payment. These are some of the most common rental scams out there, so run away while you can.

Technology is your friend. Before you rent a place, Google the landlord’s contact information. If you see a photo that seems too good to be true, run a reverse image search on Google or TinEye.

Read the Lease. If you don’t, you could end up on the hook for a lot more than you bargained for. Always read your rental agreement thoroughly before you sign. Most likely, the lease will have some provisions you do not understand, so ask questions.

Follow other tips to avoid rental scams. Rentberry.com has an entire list of ways to avoid scams. Read the article if you want more advice or resources on how to deal with rental scams.

Proximity to Work or School

 

Before you choose an apartment, evaluate how close it is to your workplace, college, or training school. If your apartment is too far away, the cost of gas is going to begin cutting into your budget. (More on that later.) One of the best ways to avoid wear and tear on your vehicle is to live close to your school or workplace. You’ll cut down on gas and maintenance costs as well. If you find that you have no choice but to live a considerable distance from your workplace or school, be sure to factor that in as you go over your budget.

What Amenities are You Looking For?

 

There are several types of amenities that are offered to renters. Here are some examples, sorted by category:

Recreational

  • Swimming pools
  • Barbeque areas
  • Firepits
  • Fitness Centers
  • Clubhouses
  • Rooftop Lounges
  • Media Rooms
  • Community Gardens

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


[/vc_column_text][/vc_column][/vc_row][/vc_section]

Sometimes apartment listings will also include:

  • Whether heat and hot water are included
  • The required amount for the security deposit
  • Available move-in date

You can search using a physical newspaper, which is slowly disappearing, or you can go to the newspaper website. The point is that landlords still advertise in local newspapers.

Apartment Referrals From Family and Friends

 

Sometimes you’ll get the best referrals from family and friends, especially if they already have an apartment in the community where you’re interested in living. Getting a referral from someone you know for both the renter and landlord adds an element of trust because you know a mutual family member or friend. Also, many landlords with small apartments may not advertise online and will use more traditional methods, such as putting a sign on the property or telling family and friends of the apartment’s availability.

If your friend or family member has answered the above questions and you’re still interested, you can ask whether they’d be willing to invite you over to their apartment so you can see what it’s like. Getting referrals is the best way to find an apartment, as long as you know who to ask.

How to Research Your Apartment

 

As in many other areas of life, it really helps to do your research. First, we’ll cover why you need to do your research. Next, we’ll highlight the importance of proximity to work or school, possible amenities that can make your future home more enjoyable, and how to calculate your cost of living in each apartment.

Why You Need to Do Your Research

 

A sad reality of adulting is that there’s always someone out there who wants to take your money. If you do diligent research, you’ll minimize your chances of being scammed by imposters while you hunt for an apartment. Here are a few ways you can determine whether your dream apartment is truly legitimate:

If you pay in cash, get a receipt. If you are renting in a larger apartment complex operated by a professional management company, they may not take cash. Credit and debit card transitions are easier to audit for apartment owners. However, many landlords of smaller apartments or houses may take cash, in which case just get a written receipt showing you paid the rent.

Pictures are a good starting point, but you need to see the apartment. If you encounter a landlord who isn’t willing to show you the property before you sign a lease or make your first monthly payment, just walk away. This is not a legitimate practice, and something is wrong.

Sign a written lease. Only a written lease is legally binding, so should a dispute arise, you’ll be grateful to have the agreement on paper. Ensure that the landlord signs the lease as well and that you have a copy of the contract. (If you e-sign the rental agreement through an apartment listing service like Rentberry, you’ll always have a digital copy at your fingertips.) However, many smaller units (2–4 units) and houses are owned by individuals who have different levels of expertise. You should get your contract terms in a written lease, and you should read the lease and ask questions. You may not understand all the lease terms, and don’t be surprised if the landlord doesn’t either. Plus, some cities, such as Chicago, have housing regulations that the landlord may or may not follow. Lease terms are another subject, so, I will just say get it in writing and leave it at that for now.

Make sure the lease identifies the owner and that you know who they are. Ask for homeownership documents to prove that you’re speaking to someone with authority to rent the property. This is more of an issue with renting single-family homes and smaller 2-4-unit buildings. This is less of an issue with larger apartment complexes. You should know if the person renting you the apartment owns the building or is authorized to rent it. If they hesitate, don’t sign on the dotted line.

Avoid sub-leasing unless you absolutely need to do it. It’s very difficult to determine whether the original tenant has the right to sub-lease the property. Both you and the original tenant can be evicted if the landlord finds out that the property was being sub-leased without permission. The safest way to go about sub-leasing is to talk with the original tenant and landlord to see if you can have your name added to the original lease.

Meet the landlord in person, too. Regardless of the method that you choose to research the apartment, you need to see the physical property and the landlord in person. If they don’t want to interact with you in person, that’s another red flag.

Keep a sharp eye out for the middleman scam. If someone tells you that they handle property for the real owners and insists on collecting payment from you, don’t believe them. The person who rented you the apartment and countersigned the lease should direct you to where and how to make your monthly payment. These are some of the most common rental scams out there, so run away while you can.

Technology is your friend. Before you rent a place, Google the landlord’s contact information. If you see a photo that seems too good to be true, run a reverse image search on Google or TinEye.

Read the Lease. If you don’t, you could end up on the hook for a lot more than you bargained for. Always read your rental agreement thoroughly before you sign. Most likely, the lease will have some provisions you do not understand, so ask questions.

Follow other tips to avoid rental scams. Rentberry.com has an entire list of ways to avoid scams. Read the article if you want more advice or resources on how to deal with rental scams.

Proximity to Work or School

 

Before you choose an apartment, evaluate how close it is to your workplace, college, or training school. If your apartment is too far away, the cost of gas is going to begin cutting into your budget. (More on that later.) One of the best ways to avoid wear and tear on your vehicle is to live close to your school or workplace. You’ll cut down on gas and maintenance costs as well. If you find that you have no choice but to live a considerable distance from your workplace or school, be sure to factor that in as you go over your budget.

What Amenities are You Looking For?

 

There are several types of amenities that are offered to renters. Here are some examples, sorted by category:

Recreational

  • Swimming pools
  • Barbeque areas
  • Firepits
  • Fitness Centers
  • Clubhouses
  • Rooftop Lounges
  • Media Rooms
  • Community Gardens

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


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  • Rental amount
  • Number of bedrooms
  • Number of bathrooms
  • Name and contact information (phone number, email, etc) for the person listing the property
  • Whether or not pets are allowed
  • What town/community the apartment is located in (including address)
  • Some amenities

Sometimes apartment listings will also include:

  • Whether heat and hot water are included
  • The required amount for the security deposit
  • Available move-in date

You can search using a physical newspaper, which is slowly disappearing, or you can go to the newspaper website. The point is that landlords still advertise in local newspapers.

Apartment Referrals From Family and Friends

 

Sometimes you’ll get the best referrals from family and friends, especially if they already have an apartment in the community where you’re interested in living. Getting a referral from someone you know for both the renter and landlord adds an element of trust because you know a mutual family member or friend. Also, many landlords with small apartments may not advertise online and will use more traditional methods, such as putting a sign on the property or telling family and friends of the apartment’s availability.

If your friend or family member has answered the above questions and you’re still interested, you can ask whether they’d be willing to invite you over to their apartment so you can see what it’s like. Getting referrals is the best way to find an apartment, as long as you know who to ask.

How to Research Your Apartment

 

As in many other areas of life, it really helps to do your research. First, we’ll cover why you need to do your research. Next, we’ll highlight the importance of proximity to work or school, possible amenities that can make your future home more enjoyable, and how to calculate your cost of living in each apartment.

Why You Need to Do Your Research

 

A sad reality of adulting is that there’s always someone out there who wants to take your money. If you do diligent research, you’ll minimize your chances of being scammed by imposters while you hunt for an apartment. Here are a few ways you can determine whether your dream apartment is truly legitimate:

If you pay in cash, get a receipt. If you are renting in a larger apartment complex operated by a professional management company, they may not take cash. Credit and debit card transitions are easier to audit for apartment owners. However, many landlords of smaller apartments or houses may take cash, in which case just get a written receipt showing you paid the rent.

Pictures are a good starting point, but you need to see the apartment. If you encounter a landlord who isn’t willing to show you the property before you sign a lease or make your first monthly payment, just walk away. This is not a legitimate practice, and something is wrong.

Sign a written lease. Only a written lease is legally binding, so should a dispute arise, you’ll be grateful to have the agreement on paper. Ensure that the landlord signs the lease as well and that you have a copy of the contract. (If you e-sign the rental agreement through an apartment listing service like Rentberry, you’ll always have a digital copy at your fingertips.) However, many smaller units (2–4 units) and houses are owned by individuals who have different levels of expertise. You should get your contract terms in a written lease, and you should read the lease and ask questions. You may not understand all the lease terms, and don’t be surprised if the landlord doesn’t either. Plus, some cities, such as Chicago, have housing regulations that the landlord may or may not follow. Lease terms are another subject, so, I will just say get it in writing and leave it at that for now.

Make sure the lease identifies the owner and that you know who they are. Ask for homeownership documents to prove that you’re speaking to someone with authority to rent the property. This is more of an issue with renting single-family homes and smaller 2-4-unit buildings. This is less of an issue with larger apartment complexes. You should know if the person renting you the apartment owns the building or is authorized to rent it. If they hesitate, don’t sign on the dotted line.

Avoid sub-leasing unless you absolutely need to do it. It’s very difficult to determine whether the original tenant has the right to sub-lease the property. Both you and the original tenant can be evicted if the landlord finds out that the property was being sub-leased without permission. The safest way to go about sub-leasing is to talk with the original tenant and landlord to see if you can have your name added to the original lease.

Meet the landlord in person, too. Regardless of the method that you choose to research the apartment, you need to see the physical property and the landlord in person. If they don’t want to interact with you in person, that’s another red flag.

Keep a sharp eye out for the middleman scam. If someone tells you that they handle property for the real owners and insists on collecting payment from you, don’t believe them. The person who rented you the apartment and countersigned the lease should direct you to where and how to make your monthly payment. These are some of the most common rental scams out there, so run away while you can.

Technology is your friend. Before you rent a place, Google the landlord’s contact information. If you see a photo that seems too good to be true, run a reverse image search on Google or TinEye.

Read the Lease. If you don’t, you could end up on the hook for a lot more than you bargained for. Always read your rental agreement thoroughly before you sign. Most likely, the lease will have some provisions you do not understand, so ask questions.

Follow other tips to avoid rental scams. Rentberry.com has an entire list of ways to avoid scams. Read the article if you want more advice or resources on how to deal with rental scams.

Proximity to Work or School

 

Before you choose an apartment, evaluate how close it is to your workplace, college, or training school. If your apartment is too far away, the cost of gas is going to begin cutting into your budget. (More on that later.) One of the best ways to avoid wear and tear on your vehicle is to live close to your school or workplace. You’ll cut down on gas and maintenance costs as well. If you find that you have no choice but to live a considerable distance from your workplace or school, be sure to factor that in as you go over your budget.

What Amenities are You Looking For?

 

There are several types of amenities that are offered to renters. Here are some examples, sorted by category:

Recreational

  • Swimming pools
  • Barbeque areas
  • Firepits
  • Fitness Centers
  • Clubhouses
  • Rooftop Lounges
  • Media Rooms
  • Community Gardens

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


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Newspaper Apartment Listings

Like apartment rental signs, newspaper apartment listings generally tend to include the following useful information:

  • Rental amount
  • Number of bedrooms
  • Number of bathrooms
  • Name and contact information (phone number, email, etc) for the person listing the property
  • Whether or not pets are allowed
  • What town/community the apartment is located in (including address)
  • Some amenities

Sometimes apartment listings will also include:

  • Whether heat and hot water are included
  • The required amount for the security deposit
  • Available move-in date

You can search using a physical newspaper, which is slowly disappearing, or you can go to the newspaper website. The point is that landlords still advertise in local newspapers.

Apartment Referrals From Family and Friends

 

Sometimes you’ll get the best referrals from family and friends, especially if they already have an apartment in the community where you’re interested in living. Getting a referral from someone you know for both the renter and landlord adds an element of trust because you know a mutual family member or friend. Also, many landlords with small apartments may not advertise online and will use more traditional methods, such as putting a sign on the property or telling family and friends of the apartment’s availability.

If your friend or family member has answered the above questions and you’re still interested, you can ask whether they’d be willing to invite you over to their apartment so you can see what it’s like. Getting referrals is the best way to find an apartment, as long as you know who to ask.

How to Research Your Apartment

 

As in many other areas of life, it really helps to do your research. First, we’ll cover why you need to do your research. Next, we’ll highlight the importance of proximity to work or school, possible amenities that can make your future home more enjoyable, and how to calculate your cost of living in each apartment.

Why You Need to Do Your Research

 

A sad reality of adulting is that there’s always someone out there who wants to take your money. If you do diligent research, you’ll minimize your chances of being scammed by imposters while you hunt for an apartment. Here are a few ways you can determine whether your dream apartment is truly legitimate:

If you pay in cash, get a receipt. If you are renting in a larger apartment complex operated by a professional management company, they may not take cash. Credit and debit card transitions are easier to audit for apartment owners. However, many landlords of smaller apartments or houses may take cash, in which case just get a written receipt showing you paid the rent.

Pictures are a good starting point, but you need to see the apartment. If you encounter a landlord who isn’t willing to show you the property before you sign a lease or make your first monthly payment, just walk away. This is not a legitimate practice, and something is wrong.

Sign a written lease. Only a written lease is legally binding, so should a dispute arise, you’ll be grateful to have the agreement on paper. Ensure that the landlord signs the lease as well and that you have a copy of the contract. (If you e-sign the rental agreement through an apartment listing service like Rentberry, you’ll always have a digital copy at your fingertips.) However, many smaller units (2–4 units) and houses are owned by individuals who have different levels of expertise. You should get your contract terms in a written lease, and you should read the lease and ask questions. You may not understand all the lease terms, and don’t be surprised if the landlord doesn’t either. Plus, some cities, such as Chicago, have housing regulations that the landlord may or may not follow. Lease terms are another subject, so, I will just say get it in writing and leave it at that for now.

Make sure the lease identifies the owner and that you know who they are. Ask for homeownership documents to prove that you’re speaking to someone with authority to rent the property. This is more of an issue with renting single-family homes and smaller 2-4-unit buildings. This is less of an issue with larger apartment complexes. You should know if the person renting you the apartment owns the building or is authorized to rent it. If they hesitate, don’t sign on the dotted line.

Avoid sub-leasing unless you absolutely need to do it. It’s very difficult to determine whether the original tenant has the right to sub-lease the property. Both you and the original tenant can be evicted if the landlord finds out that the property was being sub-leased without permission. The safest way to go about sub-leasing is to talk with the original tenant and landlord to see if you can have your name added to the original lease.

Meet the landlord in person, too. Regardless of the method that you choose to research the apartment, you need to see the physical property and the landlord in person. If they don’t want to interact with you in person, that’s another red flag.

Keep a sharp eye out for the middleman scam. If someone tells you that they handle property for the real owners and insists on collecting payment from you, don’t believe them. The person who rented you the apartment and countersigned the lease should direct you to where and how to make your monthly payment. These are some of the most common rental scams out there, so run away while you can.

Technology is your friend. Before you rent a place, Google the landlord’s contact information. If you see a photo that seems too good to be true, run a reverse image search on Google or TinEye.

Read the Lease. If you don’t, you could end up on the hook for a lot more than you bargained for. Always read your rental agreement thoroughly before you sign. Most likely, the lease will have some provisions you do not understand, so ask questions.

Follow other tips to avoid rental scams. Rentberry.com has an entire list of ways to avoid scams. Read the article if you want more advice or resources on how to deal with rental scams.

Proximity to Work or School

 

Before you choose an apartment, evaluate how close it is to your workplace, college, or training school. If your apartment is too far away, the cost of gas is going to begin cutting into your budget. (More on that later.) One of the best ways to avoid wear and tear on your vehicle is to live close to your school or workplace. You’ll cut down on gas and maintenance costs as well. If you find that you have no choice but to live a considerable distance from your workplace or school, be sure to factor that in as you go over your budget.

What Amenities are You Looking For?

 

There are several types of amenities that are offered to renters. Here are some examples, sorted by category:

Recreational

  • Swimming pools
  • Barbeque areas
  • Firepits
  • Fitness Centers
  • Clubhouses
  • Rooftop Lounges
  • Media Rooms
  • Community Gardens

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


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Craigslist is essentially an online newspaper ad. From the link I’ve provided, find your state and click on the city or locality closest to where you’d like to live. You’ll be directed to a screen with several options, and you’ll find “Apts/Housing” under the Housing category. Click it and you’ll see several available apartments, most of them with photos so you can get a better idea of what the apartment looks like. Note: the information on Craigslist isn’t as comprehensive as on other sites, and since anyone can post on Craigslist, exercise caution when searching for apartments. If the listing isn’t professional (no photos/address/unprofessional-sounding listing), chances are it’s not legitimate. However, Craigslist has been around for a long time, and it is not dedicated to apartment hunting, so the site does not have many of the features of the apartment hunting website listed above.

Newspaper Apartment Listings

Like apartment rental signs, newspaper apartment listings generally tend to include the following useful information:

  • Rental amount
  • Number of bedrooms
  • Number of bathrooms
  • Name and contact information (phone number, email, etc) for the person listing the property
  • Whether or not pets are allowed
  • What town/community the apartment is located in (including address)
  • Some amenities

Sometimes apartment listings will also include:

  • Whether heat and hot water are included
  • The required amount for the security deposit
  • Available move-in date

You can search using a physical newspaper, which is slowly disappearing, or you can go to the newspaper website. The point is that landlords still advertise in local newspapers.

Apartment Referrals From Family and Friends

 

Sometimes you’ll get the best referrals from family and friends, especially if they already have an apartment in the community where you’re interested in living. Getting a referral from someone you know for both the renter and landlord adds an element of trust because you know a mutual family member or friend. Also, many landlords with small apartments may not advertise online and will use more traditional methods, such as putting a sign on the property or telling family and friends of the apartment’s availability.

If your friend or family member has answered the above questions and you’re still interested, you can ask whether they’d be willing to invite you over to their apartment so you can see what it’s like. Getting referrals is the best way to find an apartment, as long as you know who to ask.

How to Research Your Apartment

 

As in many other areas of life, it really helps to do your research. First, we’ll cover why you need to do your research. Next, we’ll highlight the importance of proximity to work or school, possible amenities that can make your future home more enjoyable, and how to calculate your cost of living in each apartment.

Why You Need to Do Your Research

 

A sad reality of adulting is that there’s always someone out there who wants to take your money. If you do diligent research, you’ll minimize your chances of being scammed by imposters while you hunt for an apartment. Here are a few ways you can determine whether your dream apartment is truly legitimate:

If you pay in cash, get a receipt. If you are renting in a larger apartment complex operated by a professional management company, they may not take cash. Credit and debit card transitions are easier to audit for apartment owners. However, many landlords of smaller apartments or houses may take cash, in which case just get a written receipt showing you paid the rent.

Pictures are a good starting point, but you need to see the apartment. If you encounter a landlord who isn’t willing to show you the property before you sign a lease or make your first monthly payment, just walk away. This is not a legitimate practice, and something is wrong.

Sign a written lease. Only a written lease is legally binding, so should a dispute arise, you’ll be grateful to have the agreement on paper. Ensure that the landlord signs the lease as well and that you have a copy of the contract. (If you e-sign the rental agreement through an apartment listing service like Rentberry, you’ll always have a digital copy at your fingertips.) However, many smaller units (2–4 units) and houses are owned by individuals who have different levels of expertise. You should get your contract terms in a written lease, and you should read the lease and ask questions. You may not understand all the lease terms, and don’t be surprised if the landlord doesn’t either. Plus, some cities, such as Chicago, have housing regulations that the landlord may or may not follow. Lease terms are another subject, so, I will just say get it in writing and leave it at that for now.

Make sure the lease identifies the owner and that you know who they are. Ask for homeownership documents to prove that you’re speaking to someone with authority to rent the property. This is more of an issue with renting single-family homes and smaller 2-4-unit buildings. This is less of an issue with larger apartment complexes. You should know if the person renting you the apartment owns the building or is authorized to rent it. If they hesitate, don’t sign on the dotted line.

Avoid sub-leasing unless you absolutely need to do it. It’s very difficult to determine whether the original tenant has the right to sub-lease the property. Both you and the original tenant can be evicted if the landlord finds out that the property was being sub-leased without permission. The safest way to go about sub-leasing is to talk with the original tenant and landlord to see if you can have your name added to the original lease.

Meet the landlord in person, too. Regardless of the method that you choose to research the apartment, you need to see the physical property and the landlord in person. If they don’t want to interact with you in person, that’s another red flag.

Keep a sharp eye out for the middleman scam. If someone tells you that they handle property for the real owners and insists on collecting payment from you, don’t believe them. The person who rented you the apartment and countersigned the lease should direct you to where and how to make your monthly payment. These are some of the most common rental scams out there, so run away while you can.

Technology is your friend. Before you rent a place, Google the landlord’s contact information. If you see a photo that seems too good to be true, run a reverse image search on Google or TinEye.

Read the Lease. If you don’t, you could end up on the hook for a lot more than you bargained for. Always read your rental agreement thoroughly before you sign. Most likely, the lease will have some provisions you do not understand, so ask questions.

Follow other tips to avoid rental scams. Rentberry.com has an entire list of ways to avoid scams. Read the article if you want more advice or resources on how to deal with rental scams.

Proximity to Work or School

 

Before you choose an apartment, evaluate how close it is to your workplace, college, or training school. If your apartment is too far away, the cost of gas is going to begin cutting into your budget. (More on that later.) One of the best ways to avoid wear and tear on your vehicle is to live close to your school or workplace. You’ll cut down on gas and maintenance costs as well. If you find that you have no choice but to live a considerable distance from your workplace or school, be sure to factor that in as you go over your budget.

What Amenities are You Looking For?

 

There are several types of amenities that are offered to renters. Here are some examples, sorted by category:

Recreational

  • Swimming pools
  • Barbeque areas
  • Firepits
  • Fitness Centers
  • Clubhouses
  • Rooftop Lounges
  • Media Rooms
  • Community Gardens

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


[/vc_column_text][/vc_column][/vc_row][/vc_section]

Realtor.com lists several different apartments by category on their home page (ie: “Apartments with pools,” “Pet-friendly apartments”). Type the city and state you’re looking for into the search bar and filter your search to your specifications. Like Zillow, Realtor.com lists the amenities and specifications of each apartment (beds, baths, square footage, etc).

Craigslist is essentially an online newspaper ad. From the link I’ve provided, find your state and click on the city or locality closest to where you’d like to live. You’ll be directed to a screen with several options, and you’ll find “Apts/Housing” under the Housing category. Click it and you’ll see several available apartments, most of them with photos so you can get a better idea of what the apartment looks like. Note: the information on Craigslist isn’t as comprehensive as on other sites, and since anyone can post on Craigslist, exercise caution when searching for apartments. If the listing isn’t professional (no photos/address/unprofessional-sounding listing), chances are it’s not legitimate. However, Craigslist has been around for a long time, and it is not dedicated to apartment hunting, so the site does not have many of the features of the apartment hunting website listed above.

Newspaper Apartment Listings

Like apartment rental signs, newspaper apartment listings generally tend to include the following useful information:

  • Rental amount
  • Number of bedrooms
  • Number of bathrooms
  • Name and contact information (phone number, email, etc) for the person listing the property
  • Whether or not pets are allowed
  • What town/community the apartment is located in (including address)
  • Some amenities

Sometimes apartment listings will also include:

  • Whether heat and hot water are included
  • The required amount for the security deposit
  • Available move-in date

You can search using a physical newspaper, which is slowly disappearing, or you can go to the newspaper website. The point is that landlords still advertise in local newspapers.

Apartment Referrals From Family and Friends

 

Sometimes you’ll get the best referrals from family and friends, especially if they already have an apartment in the community where you’re interested in living. Getting a referral from someone you know for both the renter and landlord adds an element of trust because you know a mutual family member or friend. Also, many landlords with small apartments may not advertise online and will use more traditional methods, such as putting a sign on the property or telling family and friends of the apartment’s availability.

If your friend or family member has answered the above questions and you’re still interested, you can ask whether they’d be willing to invite you over to their apartment so you can see what it’s like. Getting referrals is the best way to find an apartment, as long as you know who to ask.

How to Research Your Apartment

 

As in many other areas of life, it really helps to do your research. First, we’ll cover why you need to do your research. Next, we’ll highlight the importance of proximity to work or school, possible amenities that can make your future home more enjoyable, and how to calculate your cost of living in each apartment.

Why You Need to Do Your Research

 

A sad reality of adulting is that there’s always someone out there who wants to take your money. If you do diligent research, you’ll minimize your chances of being scammed by imposters while you hunt for an apartment. Here are a few ways you can determine whether your dream apartment is truly legitimate:

If you pay in cash, get a receipt. If you are renting in a larger apartment complex operated by a professional management company, they may not take cash. Credit and debit card transitions are easier to audit for apartment owners. However, many landlords of smaller apartments or houses may take cash, in which case just get a written receipt showing you paid the rent.

Pictures are a good starting point, but you need to see the apartment. If you encounter a landlord who isn’t willing to show you the property before you sign a lease or make your first monthly payment, just walk away. This is not a legitimate practice, and something is wrong.

Sign a written lease. Only a written lease is legally binding, so should a dispute arise, you’ll be grateful to have the agreement on paper. Ensure that the landlord signs the lease as well and that you have a copy of the contract. (If you e-sign the rental agreement through an apartment listing service like Rentberry, you’ll always have a digital copy at your fingertips.) However, many smaller units (2–4 units) and houses are owned by individuals who have different levels of expertise. You should get your contract terms in a written lease, and you should read the lease and ask questions. You may not understand all the lease terms, and don’t be surprised if the landlord doesn’t either. Plus, some cities, such as Chicago, have housing regulations that the landlord may or may not follow. Lease terms are another subject, so, I will just say get it in writing and leave it at that for now.

Make sure the lease identifies the owner and that you know who they are. Ask for homeownership documents to prove that you’re speaking to someone with authority to rent the property. This is more of an issue with renting single-family homes and smaller 2-4-unit buildings. This is less of an issue with larger apartment complexes. You should know if the person renting you the apartment owns the building or is authorized to rent it. If they hesitate, don’t sign on the dotted line.

Avoid sub-leasing unless you absolutely need to do it. It’s very difficult to determine whether the original tenant has the right to sub-lease the property. Both you and the original tenant can be evicted if the landlord finds out that the property was being sub-leased without permission. The safest way to go about sub-leasing is to talk with the original tenant and landlord to see if you can have your name added to the original lease.

Meet the landlord in person, too. Regardless of the method that you choose to research the apartment, you need to see the physical property and the landlord in person. If they don’t want to interact with you in person, that’s another red flag.

Keep a sharp eye out for the middleman scam. If someone tells you that they handle property for the real owners and insists on collecting payment from you, don’t believe them. The person who rented you the apartment and countersigned the lease should direct you to where and how to make your monthly payment. These are some of the most common rental scams out there, so run away while you can.

Technology is your friend. Before you rent a place, Google the landlord’s contact information. If you see a photo that seems too good to be true, run a reverse image search on Google or TinEye.

Read the Lease. If you don’t, you could end up on the hook for a lot more than you bargained for. Always read your rental agreement thoroughly before you sign. Most likely, the lease will have some provisions you do not understand, so ask questions.

Follow other tips to avoid rental scams. Rentberry.com has an entire list of ways to avoid scams. Read the article if you want more advice or resources on how to deal with rental scams.

Proximity to Work or School

 

Before you choose an apartment, evaluate how close it is to your workplace, college, or training school. If your apartment is too far away, the cost of gas is going to begin cutting into your budget. (More on that later.) One of the best ways to avoid wear and tear on your vehicle is to live close to your school or workplace. You’ll cut down on gas and maintenance costs as well. If you find that you have no choice but to live a considerable distance from your workplace or school, be sure to factor that in as you go over your budget.

What Amenities are You Looking For?

 

There are several types of amenities that are offered to renters. Here are some examples, sorted by category:

Recreational

  • Swimming pools
  • Barbeque areas
  • Firepits
  • Fitness Centers
  • Clubhouses
  • Rooftop Lounges
  • Media Rooms
  • Community Gardens

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


[/vc_column_text][/vc_column][/vc_row][/vc_section]

Trulia is just as user-friendly as Zillow is in terms of getting to see what apartment listings are available. A helpful feature of Trulia is that the site partners with crime-mapping tools (Spot Crime and others) to provide you with a “Safety and Crime” map. Trulia users review each area according to specific criteria as well, making it considerably more comprehensive than Zillow.

Realtor.com lists several different apartments by category on their home page (ie: “Apartments with pools,” “Pet-friendly apartments”). Type the city and state you’re looking for into the search bar and filter your search to your specifications. Like Zillow, Realtor.com lists the amenities and specifications of each apartment (beds, baths, square footage, etc).

Craigslist is essentially an online newspaper ad. From the link I’ve provided, find your state and click on the city or locality closest to where you’d like to live. You’ll be directed to a screen with several options, and you’ll find “Apts/Housing” under the Housing category. Click it and you’ll see several available apartments, most of them with photos so you can get a better idea of what the apartment looks like. Note: the information on Craigslist isn’t as comprehensive as on other sites, and since anyone can post on Craigslist, exercise caution when searching for apartments. If the listing isn’t professional (no photos/address/unprofessional-sounding listing), chances are it’s not legitimate. However, Craigslist has been around for a long time, and it is not dedicated to apartment hunting, so the site does not have many of the features of the apartment hunting website listed above.

Newspaper Apartment Listings

Like apartment rental signs, newspaper apartment listings generally tend to include the following useful information:

  • Rental amount
  • Number of bedrooms
  • Number of bathrooms
  • Name and contact information (phone number, email, etc) for the person listing the property
  • Whether or not pets are allowed
  • What town/community the apartment is located in (including address)
  • Some amenities

Sometimes apartment listings will also include:

  • Whether heat and hot water are included
  • The required amount for the security deposit
  • Available move-in date

You can search using a physical newspaper, which is slowly disappearing, or you can go to the newspaper website. The point is that landlords still advertise in local newspapers.

Apartment Referrals From Family and Friends

 

Sometimes you’ll get the best referrals from family and friends, especially if they already have an apartment in the community where you’re interested in living. Getting a referral from someone you know for both the renter and landlord adds an element of trust because you know a mutual family member or friend. Also, many landlords with small apartments may not advertise online and will use more traditional methods, such as putting a sign on the property or telling family and friends of the apartment’s availability.

If your friend or family member has answered the above questions and you’re still interested, you can ask whether they’d be willing to invite you over to their apartment so you can see what it’s like. Getting referrals is the best way to find an apartment, as long as you know who to ask.

How to Research Your Apartment

 

As in many other areas of life, it really helps to do your research. First, we’ll cover why you need to do your research. Next, we’ll highlight the importance of proximity to work or school, possible amenities that can make your future home more enjoyable, and how to calculate your cost of living in each apartment.

Why You Need to Do Your Research

 

A sad reality of adulting is that there’s always someone out there who wants to take your money. If you do diligent research, you’ll minimize your chances of being scammed by imposters while you hunt for an apartment. Here are a few ways you can determine whether your dream apartment is truly legitimate:

If you pay in cash, get a receipt. If you are renting in a larger apartment complex operated by a professional management company, they may not take cash. Credit and debit card transitions are easier to audit for apartment owners. However, many landlords of smaller apartments or houses may take cash, in which case just get a written receipt showing you paid the rent.

Pictures are a good starting point, but you need to see the apartment. If you encounter a landlord who isn’t willing to show you the property before you sign a lease or make your first monthly payment, just walk away. This is not a legitimate practice, and something is wrong.

Sign a written lease. Only a written lease is legally binding, so should a dispute arise, you’ll be grateful to have the agreement on paper. Ensure that the landlord signs the lease as well and that you have a copy of the contract. (If you e-sign the rental agreement through an apartment listing service like Rentberry, you’ll always have a digital copy at your fingertips.) However, many smaller units (2–4 units) and houses are owned by individuals who have different levels of expertise. You should get your contract terms in a written lease, and you should read the lease and ask questions. You may not understand all the lease terms, and don’t be surprised if the landlord doesn’t either. Plus, some cities, such as Chicago, have housing regulations that the landlord may or may not follow. Lease terms are another subject, so, I will just say get it in writing and leave it at that for now.

Make sure the lease identifies the owner and that you know who they are. Ask for homeownership documents to prove that you’re speaking to someone with authority to rent the property. This is more of an issue with renting single-family homes and smaller 2-4-unit buildings. This is less of an issue with larger apartment complexes. You should know if the person renting you the apartment owns the building or is authorized to rent it. If they hesitate, don’t sign on the dotted line.

Avoid sub-leasing unless you absolutely need to do it. It’s very difficult to determine whether the original tenant has the right to sub-lease the property. Both you and the original tenant can be evicted if the landlord finds out that the property was being sub-leased without permission. The safest way to go about sub-leasing is to talk with the original tenant and landlord to see if you can have your name added to the original lease.

Meet the landlord in person, too. Regardless of the method that you choose to research the apartment, you need to see the physical property and the landlord in person. If they don’t want to interact with you in person, that’s another red flag.

Keep a sharp eye out for the middleman scam. If someone tells you that they handle property for the real owners and insists on collecting payment from you, don’t believe them. The person who rented you the apartment and countersigned the lease should direct you to where and how to make your monthly payment. These are some of the most common rental scams out there, so run away while you can.

Technology is your friend. Before you rent a place, Google the landlord’s contact information. If you see a photo that seems too good to be true, run a reverse image search on Google or TinEye.

Read the Lease. If you don’t, you could end up on the hook for a lot more than you bargained for. Always read your rental agreement thoroughly before you sign. Most likely, the lease will have some provisions you do not understand, so ask questions.

Follow other tips to avoid rental scams. Rentberry.com has an entire list of ways to avoid scams. Read the article if you want more advice or resources on how to deal with rental scams.

Proximity to Work or School

 

Before you choose an apartment, evaluate how close it is to your workplace, college, or training school. If your apartment is too far away, the cost of gas is going to begin cutting into your budget. (More on that later.) One of the best ways to avoid wear and tear on your vehicle is to live close to your school or workplace. You’ll cut down on gas and maintenance costs as well. If you find that you have no choice but to live a considerable distance from your workplace or school, be sure to factor that in as you go over your budget.

What Amenities are You Looking For?

 

There are several types of amenities that are offered to renters. Here are some examples, sorted by category:

Recreational

  • Swimming pools
  • Barbeque areas
  • Firepits
  • Fitness Centers
  • Clubhouses
  • Rooftop Lounges
  • Media Rooms
  • Community Gardens

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


[/vc_column_text][/vc_column][/vc_row][/vc_section]

Online Apartment Search

There are a lot of great resources out there if you’re running an apartment search online. I’ll list several websites that you can find apartments on and give you a brief overview of how to use them. Zillow is a good way to see several apartment listings at a glance. There are plenty of pictures for you to look through that can determine if the apartment is for you. Simply type the city and state you want to find an apartment in and click the search icon. You can also narrow down your search by price, how many rooms there are, square footage, year built, stories, amenities, and whether they allow pets. You can even type “furnished” into the keywords search to find already-furnished apartments. With the Zestimate tool, you can compare apartments too!

Trulia is just as user-friendly as Zillow is in terms of getting to see what apartment listings are available. A helpful feature of Trulia is that the site partners with crime-mapping tools (Spot Crime and others) to provide you with a “Safety and Crime” map. Trulia users review each area according to specific criteria as well, making it considerably more comprehensive than Zillow.

Realtor.com lists several different apartments by category on their home page (ie: “Apartments with pools,” “Pet-friendly apartments”). Type the city and state you’re looking for into the search bar and filter your search to your specifications. Like Zillow, Realtor.com lists the amenities and specifications of each apartment (beds, baths, square footage, etc).

Craigslist is essentially an online newspaper ad. From the link I’ve provided, find your state and click on the city or locality closest to where you’d like to live. You’ll be directed to a screen with several options, and you’ll find “Apts/Housing” under the Housing category. Click it and you’ll see several available apartments, most of them with photos so you can get a better idea of what the apartment looks like. Note: the information on Craigslist isn’t as comprehensive as on other sites, and since anyone can post on Craigslist, exercise caution when searching for apartments. If the listing isn’t professional (no photos/address/unprofessional-sounding listing), chances are it’s not legitimate. However, Craigslist has been around for a long time, and it is not dedicated to apartment hunting, so the site does not have many of the features of the apartment hunting website listed above.

Newspaper Apartment Listings

Like apartment rental signs, newspaper apartment listings generally tend to include the following useful information:

  • Rental amount
  • Number of bedrooms
  • Number of bathrooms
  • Name and contact information (phone number, email, etc) for the person listing the property
  • Whether or not pets are allowed
  • What town/community the apartment is located in (including address)
  • Some amenities

Sometimes apartment listings will also include:

  • Whether heat and hot water are included
  • The required amount for the security deposit
  • Available move-in date

You can search using a physical newspaper, which is slowly disappearing, or you can go to the newspaper website. The point is that landlords still advertise in local newspapers.

Apartment Referrals From Family and Friends

 

Sometimes you’ll get the best referrals from family and friends, especially if they already have an apartment in the community where you’re interested in living. Getting a referral from someone you know for both the renter and landlord adds an element of trust because you know a mutual family member or friend. Also, many landlords with small apartments may not advertise online and will use more traditional methods, such as putting a sign on the property or telling family and friends of the apartment’s availability.

If your friend or family member has answered the above questions and you’re still interested, you can ask whether they’d be willing to invite you over to their apartment so you can see what it’s like. Getting referrals is the best way to find an apartment, as long as you know who to ask.

How to Research Your Apartment

 

As in many other areas of life, it really helps to do your research. First, we’ll cover why you need to do your research. Next, we’ll highlight the importance of proximity to work or school, possible amenities that can make your future home more enjoyable, and how to calculate your cost of living in each apartment.

Why You Need to Do Your Research

 

A sad reality of adulting is that there’s always someone out there who wants to take your money. If you do diligent research, you’ll minimize your chances of being scammed by imposters while you hunt for an apartment. Here are a few ways you can determine whether your dream apartment is truly legitimate:

If you pay in cash, get a receipt. If you are renting in a larger apartment complex operated by a professional management company, they may not take cash. Credit and debit card transitions are easier to audit for apartment owners. However, many landlords of smaller apartments or houses may take cash, in which case just get a written receipt showing you paid the rent.

Pictures are a good starting point, but you need to see the apartment. If you encounter a landlord who isn’t willing to show you the property before you sign a lease or make your first monthly payment, just walk away. This is not a legitimate practice, and something is wrong.

Sign a written lease. Only a written lease is legally binding, so should a dispute arise, you’ll be grateful to have the agreement on paper. Ensure that the landlord signs the lease as well and that you have a copy of the contract. (If you e-sign the rental agreement through an apartment listing service like Rentberry, you’ll always have a digital copy at your fingertips.) However, many smaller units (2–4 units) and houses are owned by individuals who have different levels of expertise. You should get your contract terms in a written lease, and you should read the lease and ask questions. You may not understand all the lease terms, and don’t be surprised if the landlord doesn’t either. Plus, some cities, such as Chicago, have housing regulations that the landlord may or may not follow. Lease terms are another subject, so, I will just say get it in writing and leave it at that for now.

Make sure the lease identifies the owner and that you know who they are. Ask for homeownership documents to prove that you’re speaking to someone with authority to rent the property. This is more of an issue with renting single-family homes and smaller 2-4-unit buildings. This is less of an issue with larger apartment complexes. You should know if the person renting you the apartment owns the building or is authorized to rent it. If they hesitate, don’t sign on the dotted line.

Avoid sub-leasing unless you absolutely need to do it. It’s very difficult to determine whether the original tenant has the right to sub-lease the property. Both you and the original tenant can be evicted if the landlord finds out that the property was being sub-leased without permission. The safest way to go about sub-leasing is to talk with the original tenant and landlord to see if you can have your name added to the original lease.

Meet the landlord in person, too. Regardless of the method that you choose to research the apartment, you need to see the physical property and the landlord in person. If they don’t want to interact with you in person, that’s another red flag.

Keep a sharp eye out for the middleman scam. If someone tells you that they handle property for the real owners and insists on collecting payment from you, don’t believe them. The person who rented you the apartment and countersigned the lease should direct you to where and how to make your monthly payment. These are some of the most common rental scams out there, so run away while you can.

Technology is your friend. Before you rent a place, Google the landlord’s contact information. If you see a photo that seems too good to be true, run a reverse image search on Google or TinEye.

Read the Lease. If you don’t, you could end up on the hook for a lot more than you bargained for. Always read your rental agreement thoroughly before you sign. Most likely, the lease will have some provisions you do not understand, so ask questions.

Follow other tips to avoid rental scams. Rentberry.com has an entire list of ways to avoid scams. Read the article if you want more advice or resources on how to deal with rental scams.

Proximity to Work or School

 

Before you choose an apartment, evaluate how close it is to your workplace, college, or training school. If your apartment is too far away, the cost of gas is going to begin cutting into your budget. (More on that later.) One of the best ways to avoid wear and tear on your vehicle is to live close to your school or workplace. You’ll cut down on gas and maintenance costs as well. If you find that you have no choice but to live a considerable distance from your workplace or school, be sure to factor that in as you go over your budget.

What Amenities are You Looking For?

 

There are several types of amenities that are offered to renters. Here are some examples, sorted by category:

Recreational

  • Swimming pools
  • Barbeque areas
  • Firepits
  • Fitness Centers
  • Clubhouses
  • Rooftop Lounges
  • Media Rooms
  • Community Gardens

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


[/vc_column_text][/vc_column][/vc_row][/vc_section]

  • The words “For Rent,” “Apartments for sale,” or “Apartments for rent,” usually in orange or red and black
  • The full address and zip code of the apartment(s) for rent
  • Positive qualities of the rental property (renovations, laundry facilities, amenities, etc)
  • Rent amount
  • Application requirements
  • Contact information (Name, phone number, and/or email address of the person putting the apartment up for rent)

Online Apartment Search

There are a lot of great resources out there if you’re running an apartment search online. I’ll list several websites that you can find apartments on and give you a brief overview of how to use them. Zillow is a good way to see several apartment listings at a glance. There are plenty of pictures for you to look through that can determine if the apartment is for you. Simply type the city and state you want to find an apartment in and click the search icon. You can also narrow down your search by price, how many rooms there are, square footage, year built, stories, amenities, and whether they allow pets. You can even type “furnished” into the keywords search to find already-furnished apartments. With the Zestimate tool, you can compare apartments too!

Trulia is just as user-friendly as Zillow is in terms of getting to see what apartment listings are available. A helpful feature of Trulia is that the site partners with crime-mapping tools (Spot Crime and others) to provide you with a “Safety and Crime” map. Trulia users review each area according to specific criteria as well, making it considerably more comprehensive than Zillow.

Realtor.com lists several different apartments by category on their home page (ie: “Apartments with pools,” “Pet-friendly apartments”). Type the city and state you’re looking for into the search bar and filter your search to your specifications. Like Zillow, Realtor.com lists the amenities and specifications of each apartment (beds, baths, square footage, etc).

Craigslist is essentially an online newspaper ad. From the link I’ve provided, find your state and click on the city or locality closest to where you’d like to live. You’ll be directed to a screen with several options, and you’ll find “Apts/Housing” under the Housing category. Click it and you’ll see several available apartments, most of them with photos so you can get a better idea of what the apartment looks like. Note: the information on Craigslist isn’t as comprehensive as on other sites, and since anyone can post on Craigslist, exercise caution when searching for apartments. If the listing isn’t professional (no photos/address/unprofessional-sounding listing), chances are it’s not legitimate. However, Craigslist has been around for a long time, and it is not dedicated to apartment hunting, so the site does not have many of the features of the apartment hunting website listed above.

Newspaper Apartment Listings

Like apartment rental signs, newspaper apartment listings generally tend to include the following useful information:

  • Rental amount
  • Number of bedrooms
  • Number of bathrooms
  • Name and contact information (phone number, email, etc) for the person listing the property
  • Whether or not pets are allowed
  • What town/community the apartment is located in (including address)
  • Some amenities

Sometimes apartment listings will also include:

  • Whether heat and hot water are included
  • The required amount for the security deposit
  • Available move-in date

You can search using a physical newspaper, which is slowly disappearing, or you can go to the newspaper website. The point is that landlords still advertise in local newspapers.

Apartment Referrals From Family and Friends

 

Sometimes you’ll get the best referrals from family and friends, especially if they already have an apartment in the community where you’re interested in living. Getting a referral from someone you know for both the renter and landlord adds an element of trust because you know a mutual family member or friend. Also, many landlords with small apartments may not advertise online and will use more traditional methods, such as putting a sign on the property or telling family and friends of the apartment’s availability.

If your friend or family member has answered the above questions and you’re still interested, you can ask whether they’d be willing to invite you over to their apartment so you can see what it’s like. Getting referrals is the best way to find an apartment, as long as you know who to ask.

How to Research Your Apartment

 

As in many other areas of life, it really helps to do your research. First, we’ll cover why you need to do your research. Next, we’ll highlight the importance of proximity to work or school, possible amenities that can make your future home more enjoyable, and how to calculate your cost of living in each apartment.

Why You Need to Do Your Research

 

A sad reality of adulting is that there’s always someone out there who wants to take your money. If you do diligent research, you’ll minimize your chances of being scammed by imposters while you hunt for an apartment. Here are a few ways you can determine whether your dream apartment is truly legitimate:

If you pay in cash, get a receipt. If you are renting in a larger apartment complex operated by a professional management company, they may not take cash. Credit and debit card transitions are easier to audit for apartment owners. However, many landlords of smaller apartments or houses may take cash, in which case just get a written receipt showing you paid the rent.

Pictures are a good starting point, but you need to see the apartment. If you encounter a landlord who isn’t willing to show you the property before you sign a lease or make your first monthly payment, just walk away. This is not a legitimate practice, and something is wrong.

Sign a written lease. Only a written lease is legally binding, so should a dispute arise, you’ll be grateful to have the agreement on paper. Ensure that the landlord signs the lease as well and that you have a copy of the contract. (If you e-sign the rental agreement through an apartment listing service like Rentberry, you’ll always have a digital copy at your fingertips.) However, many smaller units (2–4 units) and houses are owned by individuals who have different levels of expertise. You should get your contract terms in a written lease, and you should read the lease and ask questions. You may not understand all the lease terms, and don’t be surprised if the landlord doesn’t either. Plus, some cities, such as Chicago, have housing regulations that the landlord may or may not follow. Lease terms are another subject, so, I will just say get it in writing and leave it at that for now.

Make sure the lease identifies the owner and that you know who they are. Ask for homeownership documents to prove that you’re speaking to someone with authority to rent the property. This is more of an issue with renting single-family homes and smaller 2-4-unit buildings. This is less of an issue with larger apartment complexes. You should know if the person renting you the apartment owns the building or is authorized to rent it. If they hesitate, don’t sign on the dotted line.

Avoid sub-leasing unless you absolutely need to do it. It’s very difficult to determine whether the original tenant has the right to sub-lease the property. Both you and the original tenant can be evicted if the landlord finds out that the property was being sub-leased without permission. The safest way to go about sub-leasing is to talk with the original tenant and landlord to see if you can have your name added to the original lease.

Meet the landlord in person, too. Regardless of the method that you choose to research the apartment, you need to see the physical property and the landlord in person. If they don’t want to interact with you in person, that’s another red flag.

Keep a sharp eye out for the middleman scam. If someone tells you that they handle property for the real owners and insists on collecting payment from you, don’t believe them. The person who rented you the apartment and countersigned the lease should direct you to where and how to make your monthly payment. These are some of the most common rental scams out there, so run away while you can.

Technology is your friend. Before you rent a place, Google the landlord’s contact information. If you see a photo that seems too good to be true, run a reverse image search on Google or TinEye.

Read the Lease. If you don’t, you could end up on the hook for a lot more than you bargained for. Always read your rental agreement thoroughly before you sign. Most likely, the lease will have some provisions you do not understand, so ask questions.

Follow other tips to avoid rental scams. Rentberry.com has an entire list of ways to avoid scams. Read the article if you want more advice or resources on how to deal with rental scams.

Proximity to Work or School

 

Before you choose an apartment, evaluate how close it is to your workplace, college, or training school. If your apartment is too far away, the cost of gas is going to begin cutting into your budget. (More on that later.) One of the best ways to avoid wear and tear on your vehicle is to live close to your school or workplace. You’ll cut down on gas and maintenance costs as well. If you find that you have no choice but to live a considerable distance from your workplace or school, be sure to factor that in as you go over your budget.

What Amenities are You Looking For?

 

There are several types of amenities that are offered to renters. Here are some examples, sorted by category:

Recreational

  • Swimming pools
  • Barbeque areas
  • Firepits
  • Fitness Centers
  • Clubhouses
  • Rooftop Lounges
  • Media Rooms
  • Community Gardens

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


[/vc_column_text][/vc_column][/vc_row][/vc_section]

Whether you live in California, New York, or my home state of Illinois, you’ve inevitably seen apartment rental signs near you. Most apartment rental signs feature these key components:

  • The words “For Rent,” “Apartments for sale,” or “Apartments for rent,” usually in orange or red and black
  • The full address and zip code of the apartment(s) for rent
  • Positive qualities of the rental property (renovations, laundry facilities, amenities, etc)
  • Rent amount
  • Application requirements
  • Contact information (Name, phone number, and/or email address of the person putting the apartment up for rent)

Online Apartment Search

There are a lot of great resources out there if you’re running an apartment search online. I’ll list several websites that you can find apartments on and give you a brief overview of how to use them. Zillow is a good way to see several apartment listings at a glance. There are plenty of pictures for you to look through that can determine if the apartment is for you. Simply type the city and state you want to find an apartment in and click the search icon. You can also narrow down your search by price, how many rooms there are, square footage, year built, stories, amenities, and whether they allow pets. You can even type “furnished” into the keywords search to find already-furnished apartments. With the Zestimate tool, you can compare apartments too!

Trulia is just as user-friendly as Zillow is in terms of getting to see what apartment listings are available. A helpful feature of Trulia is that the site partners with crime-mapping tools (Spot Crime and others) to provide you with a “Safety and Crime” map. Trulia users review each area according to specific criteria as well, making it considerably more comprehensive than Zillow.

Realtor.com lists several different apartments by category on their home page (ie: “Apartments with pools,” “Pet-friendly apartments”). Type the city and state you’re looking for into the search bar and filter your search to your specifications. Like Zillow, Realtor.com lists the amenities and specifications of each apartment (beds, baths, square footage, etc).

Craigslist is essentially an online newspaper ad. From the link I’ve provided, find your state and click on the city or locality closest to where you’d like to live. You’ll be directed to a screen with several options, and you’ll find “Apts/Housing” under the Housing category. Click it and you’ll see several available apartments, most of them with photos so you can get a better idea of what the apartment looks like. Note: the information on Craigslist isn’t as comprehensive as on other sites, and since anyone can post on Craigslist, exercise caution when searching for apartments. If the listing isn’t professional (no photos/address/unprofessional-sounding listing), chances are it’s not legitimate. However, Craigslist has been around for a long time, and it is not dedicated to apartment hunting, so the site does not have many of the features of the apartment hunting website listed above.

Newspaper Apartment Listings

Like apartment rental signs, newspaper apartment listings generally tend to include the following useful information:

  • Rental amount
  • Number of bedrooms
  • Number of bathrooms
  • Name and contact information (phone number, email, etc) for the person listing the property
  • Whether or not pets are allowed
  • What town/community the apartment is located in (including address)
  • Some amenities

Sometimes apartment listings will also include:

  • Whether heat and hot water are included
  • The required amount for the security deposit
  • Available move-in date

You can search using a physical newspaper, which is slowly disappearing, or you can go to the newspaper website. The point is that landlords still advertise in local newspapers.

Apartment Referrals From Family and Friends

 

Sometimes you’ll get the best referrals from family and friends, especially if they already have an apartment in the community where you’re interested in living. Getting a referral from someone you know for both the renter and landlord adds an element of trust because you know a mutual family member or friend. Also, many landlords with small apartments may not advertise online and will use more traditional methods, such as putting a sign on the property or telling family and friends of the apartment’s availability.

If your friend or family member has answered the above questions and you’re still interested, you can ask whether they’d be willing to invite you over to their apartment so you can see what it’s like. Getting referrals is the best way to find an apartment, as long as you know who to ask.

How to Research Your Apartment

 

As in many other areas of life, it really helps to do your research. First, we’ll cover why you need to do your research. Next, we’ll highlight the importance of proximity to work or school, possible amenities that can make your future home more enjoyable, and how to calculate your cost of living in each apartment.

Why You Need to Do Your Research

 

A sad reality of adulting is that there’s always someone out there who wants to take your money. If you do diligent research, you’ll minimize your chances of being scammed by imposters while you hunt for an apartment. Here are a few ways you can determine whether your dream apartment is truly legitimate:

If you pay in cash, get a receipt. If you are renting in a larger apartment complex operated by a professional management company, they may not take cash. Credit and debit card transitions are easier to audit for apartment owners. However, many landlords of smaller apartments or houses may take cash, in which case just get a written receipt showing you paid the rent.

Pictures are a good starting point, but you need to see the apartment. If you encounter a landlord who isn’t willing to show you the property before you sign a lease or make your first monthly payment, just walk away. This is not a legitimate practice, and something is wrong.

Sign a written lease. Only a written lease is legally binding, so should a dispute arise, you’ll be grateful to have the agreement on paper. Ensure that the landlord signs the lease as well and that you have a copy of the contract. (If you e-sign the rental agreement through an apartment listing service like Rentberry, you’ll always have a digital copy at your fingertips.) However, many smaller units (2–4 units) and houses are owned by individuals who have different levels of expertise. You should get your contract terms in a written lease, and you should read the lease and ask questions. You may not understand all the lease terms, and don’t be surprised if the landlord doesn’t either. Plus, some cities, such as Chicago, have housing regulations that the landlord may or may not follow. Lease terms are another subject, so, I will just say get it in writing and leave it at that for now.

Make sure the lease identifies the owner and that you know who they are. Ask for homeownership documents to prove that you’re speaking to someone with authority to rent the property. This is more of an issue with renting single-family homes and smaller 2-4-unit buildings. This is less of an issue with larger apartment complexes. You should know if the person renting you the apartment owns the building or is authorized to rent it. If they hesitate, don’t sign on the dotted line.

Avoid sub-leasing unless you absolutely need to do it. It’s very difficult to determine whether the original tenant has the right to sub-lease the property. Both you and the original tenant can be evicted if the landlord finds out that the property was being sub-leased without permission. The safest way to go about sub-leasing is to talk with the original tenant and landlord to see if you can have your name added to the original lease.

Meet the landlord in person, too. Regardless of the method that you choose to research the apartment, you need to see the physical property and the landlord in person. If they don’t want to interact with you in person, that’s another red flag.

Keep a sharp eye out for the middleman scam. If someone tells you that they handle property for the real owners and insists on collecting payment from you, don’t believe them. The person who rented you the apartment and countersigned the lease should direct you to where and how to make your monthly payment. These are some of the most common rental scams out there, so run away while you can.

Technology is your friend. Before you rent a place, Google the landlord’s contact information. If you see a photo that seems too good to be true, run a reverse image search on Google or TinEye.

Read the Lease. If you don’t, you could end up on the hook for a lot more than you bargained for. Always read your rental agreement thoroughly before you sign. Most likely, the lease will have some provisions you do not understand, so ask questions.

Follow other tips to avoid rental scams. Rentberry.com has an entire list of ways to avoid scams. Read the article if you want more advice or resources on how to deal with rental scams.

Proximity to Work or School

 

Before you choose an apartment, evaluate how close it is to your workplace, college, or training school. If your apartment is too far away, the cost of gas is going to begin cutting into your budget. (More on that later.) One of the best ways to avoid wear and tear on your vehicle is to live close to your school or workplace. You’ll cut down on gas and maintenance costs as well. If you find that you have no choice but to live a considerable distance from your workplace or school, be sure to factor that in as you go over your budget.

What Amenities are You Looking For?

 

There are several types of amenities that are offered to renters. Here are some examples, sorted by category:

Recreational

  • Swimming pools
  • Barbeque areas
  • Firepits
  • Fitness Centers
  • Clubhouses
  • Rooftop Lounges
  • Media Rooms
  • Community Gardens

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


[/vc_column_text][/vc_column][/vc_row][/vc_section]

Apartment Rental Signs

Whether you live in California, New York, or my home state of Illinois, you’ve inevitably seen apartment rental signs near you. Most apartment rental signs feature these key components:

  • The words “For Rent,” “Apartments for sale,” or “Apartments for rent,” usually in orange or red and black
  • The full address and zip code of the apartment(s) for rent
  • Positive qualities of the rental property (renovations, laundry facilities, amenities, etc)
  • Rent amount
  • Application requirements
  • Contact information (Name, phone number, and/or email address of the person putting the apartment up for rent)

Online Apartment Search

There are a lot of great resources out there if you’re running an apartment search online. I’ll list several websites that you can find apartments on and give you a brief overview of how to use them. Zillow is a good way to see several apartment listings at a glance. There are plenty of pictures for you to look through that can determine if the apartment is for you. Simply type the city and state you want to find an apartment in and click the search icon. You can also narrow down your search by price, how many rooms there are, square footage, year built, stories, amenities, and whether they allow pets. You can even type “furnished” into the keywords search to find already-furnished apartments. With the Zestimate tool, you can compare apartments too!

Trulia is just as user-friendly as Zillow is in terms of getting to see what apartment listings are available. A helpful feature of Trulia is that the site partners with crime-mapping tools (Spot Crime and others) to provide you with a “Safety and Crime” map. Trulia users review each area according to specific criteria as well, making it considerably more comprehensive than Zillow.

Realtor.com lists several different apartments by category on their home page (ie: “Apartments with pools,” “Pet-friendly apartments”). Type the city and state you’re looking for into the search bar and filter your search to your specifications. Like Zillow, Realtor.com lists the amenities and specifications of each apartment (beds, baths, square footage, etc).

Craigslist is essentially an online newspaper ad. From the link I’ve provided, find your state and click on the city or locality closest to where you’d like to live. You’ll be directed to a screen with several options, and you’ll find “Apts/Housing” under the Housing category. Click it and you’ll see several available apartments, most of them with photos so you can get a better idea of what the apartment looks like. Note: the information on Craigslist isn’t as comprehensive as on other sites, and since anyone can post on Craigslist, exercise caution when searching for apartments. If the listing isn’t professional (no photos/address/unprofessional-sounding listing), chances are it’s not legitimate. However, Craigslist has been around for a long time, and it is not dedicated to apartment hunting, so the site does not have many of the features of the apartment hunting website listed above.

Newspaper Apartment Listings

Like apartment rental signs, newspaper apartment listings generally tend to include the following useful information:

  • Rental amount
  • Number of bedrooms
  • Number of bathrooms
  • Name and contact information (phone number, email, etc) for the person listing the property
  • Whether or not pets are allowed
  • What town/community the apartment is located in (including address)
  • Some amenities

Sometimes apartment listings will also include:

  • Whether heat and hot water are included
  • The required amount for the security deposit
  • Available move-in date

You can search using a physical newspaper, which is slowly disappearing, or you can go to the newspaper website. The point is that landlords still advertise in local newspapers.

Apartment Referrals From Family and Friends

 

Sometimes you’ll get the best referrals from family and friends, especially if they already have an apartment in the community where you’re interested in living. Getting a referral from someone you know for both the renter and landlord adds an element of trust because you know a mutual family member or friend. Also, many landlords with small apartments may not advertise online and will use more traditional methods, such as putting a sign on the property or telling family and friends of the apartment’s availability.

If your friend or family member has answered the above questions and you’re still interested, you can ask whether they’d be willing to invite you over to their apartment so you can see what it’s like. Getting referrals is the best way to find an apartment, as long as you know who to ask.

How to Research Your Apartment

 

As in many other areas of life, it really helps to do your research. First, we’ll cover why you need to do your research. Next, we’ll highlight the importance of proximity to work or school, possible amenities that can make your future home more enjoyable, and how to calculate your cost of living in each apartment.

Why You Need to Do Your Research

 

A sad reality of adulting is that there’s always someone out there who wants to take your money. If you do diligent research, you’ll minimize your chances of being scammed by imposters while you hunt for an apartment. Here are a few ways you can determine whether your dream apartment is truly legitimate:

If you pay in cash, get a receipt. If you are renting in a larger apartment complex operated by a professional management company, they may not take cash. Credit and debit card transitions are easier to audit for apartment owners. However, many landlords of smaller apartments or houses may take cash, in which case just get a written receipt showing you paid the rent.

Pictures are a good starting point, but you need to see the apartment. If you encounter a landlord who isn’t willing to show you the property before you sign a lease or make your first monthly payment, just walk away. This is not a legitimate practice, and something is wrong.

Sign a written lease. Only a written lease is legally binding, so should a dispute arise, you’ll be grateful to have the agreement on paper. Ensure that the landlord signs the lease as well and that you have a copy of the contract. (If you e-sign the rental agreement through an apartment listing service like Rentberry, you’ll always have a digital copy at your fingertips.) However, many smaller units (2–4 units) and houses are owned by individuals who have different levels of expertise. You should get your contract terms in a written lease, and you should read the lease and ask questions. You may not understand all the lease terms, and don’t be surprised if the landlord doesn’t either. Plus, some cities, such as Chicago, have housing regulations that the landlord may or may not follow. Lease terms are another subject, so, I will just say get it in writing and leave it at that for now.

Make sure the lease identifies the owner and that you know who they are. Ask for homeownership documents to prove that you’re speaking to someone with authority to rent the property. This is more of an issue with renting single-family homes and smaller 2-4-unit buildings. This is less of an issue with larger apartment complexes. You should know if the person renting you the apartment owns the building or is authorized to rent it. If they hesitate, don’t sign on the dotted line.

Avoid sub-leasing unless you absolutely need to do it. It’s very difficult to determine whether the original tenant has the right to sub-lease the property. Both you and the original tenant can be evicted if the landlord finds out that the property was being sub-leased without permission. The safest way to go about sub-leasing is to talk with the original tenant and landlord to see if you can have your name added to the original lease.

Meet the landlord in person, too. Regardless of the method that you choose to research the apartment, you need to see the physical property and the landlord in person. If they don’t want to interact with you in person, that’s another red flag.

Keep a sharp eye out for the middleman scam. If someone tells you that they handle property for the real owners and insists on collecting payment from you, don’t believe them. The person who rented you the apartment and countersigned the lease should direct you to where and how to make your monthly payment. These are some of the most common rental scams out there, so run away while you can.

Technology is your friend. Before you rent a place, Google the landlord’s contact information. If you see a photo that seems too good to be true, run a reverse image search on Google or TinEye.

Read the Lease. If you don’t, you could end up on the hook for a lot more than you bargained for. Always read your rental agreement thoroughly before you sign. Most likely, the lease will have some provisions you do not understand, so ask questions.

Follow other tips to avoid rental scams. Rentberry.com has an entire list of ways to avoid scams. Read the article if you want more advice or resources on how to deal with rental scams.

Proximity to Work or School

 

Before you choose an apartment, evaluate how close it is to your workplace, college, or training school. If your apartment is too far away, the cost of gas is going to begin cutting into your budget. (More on that later.) One of the best ways to avoid wear and tear on your vehicle is to live close to your school or workplace. You’ll cut down on gas and maintenance costs as well. If you find that you have no choice but to live a considerable distance from your workplace or school, be sure to factor that in as you go over your budget.

What Amenities are You Looking For?

 

There are several types of amenities that are offered to renters. Here are some examples, sorted by category:

Recreational

  • Swimming pools
  • Barbeque areas
  • Firepits
  • Fitness Centers
  • Clubhouses
  • Rooftop Lounges
  • Media Rooms
  • Community Gardens

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


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Ways to Search for an Apartment

For the most comprehensive list of apartments possible, you can use all of the following methods to search for an apartment. Of course, you are welcome to choose any method you wish in order to hunt for an apartment. Perhaps you’re more technologically savvy and would like to look exclusively on the internet. Or maybe you’d rather ask your friends and family first before you hunt for an apartment on your own. Feel free to take this section out of order or forgo part of this section, if you’d like.

Apartment Rental Signs

Whether you live in California, New York, or my home state of Illinois, you’ve inevitably seen apartment rental signs near you. Most apartment rental signs feature these key components:

  • The words “For Rent,” “Apartments for sale,” or “Apartments for rent,” usually in orange or red and black
  • The full address and zip code of the apartment(s) for rent
  • Positive qualities of the rental property (renovations, laundry facilities, amenities, etc)
  • Rent amount
  • Application requirements
  • Contact information (Name, phone number, and/or email address of the person putting the apartment up for rent)

Online Apartment Search

There are a lot of great resources out there if you’re running an apartment search online. I’ll list several websites that you can find apartments on and give you a brief overview of how to use them. Zillow is a good way to see several apartment listings at a glance. There are plenty of pictures for you to look through that can determine if the apartment is for you. Simply type the city and state you want to find an apartment in and click the search icon. You can also narrow down your search by price, how many rooms there are, square footage, year built, stories, amenities, and whether they allow pets. You can even type “furnished” into the keywords search to find already-furnished apartments. With the Zestimate tool, you can compare apartments too!

Trulia is just as user-friendly as Zillow is in terms of getting to see what apartment listings are available. A helpful feature of Trulia is that the site partners with crime-mapping tools (Spot Crime and others) to provide you with a “Safety and Crime” map. Trulia users review each area according to specific criteria as well, making it considerably more comprehensive than Zillow.

Realtor.com lists several different apartments by category on their home page (ie: “Apartments with pools,” “Pet-friendly apartments”). Type the city and state you’re looking for into the search bar and filter your search to your specifications. Like Zillow, Realtor.com lists the amenities and specifications of each apartment (beds, baths, square footage, etc).

Craigslist is essentially an online newspaper ad. From the link I’ve provided, find your state and click on the city or locality closest to where you’d like to live. You’ll be directed to a screen with several options, and you’ll find “Apts/Housing” under the Housing category. Click it and you’ll see several available apartments, most of them with photos so you can get a better idea of what the apartment looks like. Note: the information on Craigslist isn’t as comprehensive as on other sites, and since anyone can post on Craigslist, exercise caution when searching for apartments. If the listing isn’t professional (no photos/address/unprofessional-sounding listing), chances are it’s not legitimate. However, Craigslist has been around for a long time, and it is not dedicated to apartment hunting, so the site does not have many of the features of the apartment hunting website listed above.

Newspaper Apartment Listings

Like apartment rental signs, newspaper apartment listings generally tend to include the following useful information:

  • Rental amount
  • Number of bedrooms
  • Number of bathrooms
  • Name and contact information (phone number, email, etc) for the person listing the property
  • Whether or not pets are allowed
  • What town/community the apartment is located in (including address)
  • Some amenities

Sometimes apartment listings will also include:

  • Whether heat and hot water are included
  • The required amount for the security deposit
  • Available move-in date

You can search using a physical newspaper, which is slowly disappearing, or you can go to the newspaper website. The point is that landlords still advertise in local newspapers.

Apartment Referrals From Family and Friends

 

Sometimes you’ll get the best referrals from family and friends, especially if they already have an apartment in the community where you’re interested in living. Getting a referral from someone you know for both the renter and landlord adds an element of trust because you know a mutual family member or friend. Also, many landlords with small apartments may not advertise online and will use more traditional methods, such as putting a sign on the property or telling family and friends of the apartment’s availability.

If your friend or family member has answered the above questions and you’re still interested, you can ask whether they’d be willing to invite you over to their apartment so you can see what it’s like. Getting referrals is the best way to find an apartment, as long as you know who to ask.

How to Research Your Apartment

 

As in many other areas of life, it really helps to do your research. First, we’ll cover why you need to do your research. Next, we’ll highlight the importance of proximity to work or school, possible amenities that can make your future home more enjoyable, and how to calculate your cost of living in each apartment.

Why You Need to Do Your Research

 

A sad reality of adulting is that there’s always someone out there who wants to take your money. If you do diligent research, you’ll minimize your chances of being scammed by imposters while you hunt for an apartment. Here are a few ways you can determine whether your dream apartment is truly legitimate:

If you pay in cash, get a receipt. If you are renting in a larger apartment complex operated by a professional management company, they may not take cash. Credit and debit card transitions are easier to audit for apartment owners. However, many landlords of smaller apartments or houses may take cash, in which case just get a written receipt showing you paid the rent.

Pictures are a good starting point, but you need to see the apartment. If you encounter a landlord who isn’t willing to show you the property before you sign a lease or make your first monthly payment, just walk away. This is not a legitimate practice, and something is wrong.

Sign a written lease. Only a written lease is legally binding, so should a dispute arise, you’ll be grateful to have the agreement on paper. Ensure that the landlord signs the lease as well and that you have a copy of the contract. (If you e-sign the rental agreement through an apartment listing service like Rentberry, you’ll always have a digital copy at your fingertips.) However, many smaller units (2–4 units) and houses are owned by individuals who have different levels of expertise. You should get your contract terms in a written lease, and you should read the lease and ask questions. You may not understand all the lease terms, and don’t be surprised if the landlord doesn’t either. Plus, some cities, such as Chicago, have housing regulations that the landlord may or may not follow. Lease terms are another subject, so, I will just say get it in writing and leave it at that for now.

Make sure the lease identifies the owner and that you know who they are. Ask for homeownership documents to prove that you’re speaking to someone with authority to rent the property. This is more of an issue with renting single-family homes and smaller 2-4-unit buildings. This is less of an issue with larger apartment complexes. You should know if the person renting you the apartment owns the building or is authorized to rent it. If they hesitate, don’t sign on the dotted line.

Avoid sub-leasing unless you absolutely need to do it. It’s very difficult to determine whether the original tenant has the right to sub-lease the property. Both you and the original tenant can be evicted if the landlord finds out that the property was being sub-leased without permission. The safest way to go about sub-leasing is to talk with the original tenant and landlord to see if you can have your name added to the original lease.

Meet the landlord in person, too. Regardless of the method that you choose to research the apartment, you need to see the physical property and the landlord in person. If they don’t want to interact with you in person, that’s another red flag.

Keep a sharp eye out for the middleman scam. If someone tells you that they handle property for the real owners and insists on collecting payment from you, don’t believe them. The person who rented you the apartment and countersigned the lease should direct you to where and how to make your monthly payment. These are some of the most common rental scams out there, so run away while you can.

Technology is your friend. Before you rent a place, Google the landlord’s contact information. If you see a photo that seems too good to be true, run a reverse image search on Google or TinEye.

Read the Lease. If you don’t, you could end up on the hook for a lot more than you bargained for. Always read your rental agreement thoroughly before you sign. Most likely, the lease will have some provisions you do not understand, so ask questions.

Follow other tips to avoid rental scams. Rentberry.com has an entire list of ways to avoid scams. Read the article if you want more advice or resources on how to deal with rental scams.

Proximity to Work or School

 

Before you choose an apartment, evaluate how close it is to your workplace, college, or training school. If your apartment is too far away, the cost of gas is going to begin cutting into your budget. (More on that later.) One of the best ways to avoid wear and tear on your vehicle is to live close to your school or workplace. You’ll cut down on gas and maintenance costs as well. If you find that you have no choice but to live a considerable distance from your workplace or school, be sure to factor that in as you go over your budget.

What Amenities are You Looking For?

 

There are several types of amenities that are offered to renters. Here are some examples, sorted by category:

Recreational

  • Swimming pools
  • Barbeque areas
  • Firepits
  • Fitness Centers
  • Clubhouses
  • Rooftop Lounges
  • Media Rooms
  • Community Gardens

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


[/vc_column_text][/vc_column][/vc_row][/vc_section]

If you’re a teenager or young adult who already has a job and needs to take the next steps toward living independently, it’s time to look for your own place. You can certainly look to purchase a house or other property, but that is the subject of another post. There are several ways that you can search for an apartment: checking rental signs, searching for apartments on the internet, checking apartment rentals in your local paper, and asking for referrals from family and friends. You need to make a list of the things you need in your apartment. Monthly rental costs, utility costs, the size of the apartment, the number of bedrooms and bathrooms, an onsite laundry room, the location, the distance from your job or family, and the availability of public transportation, if you don’t have a car, can all be included on this list. If you own a car, you’ll want to know how long it takes to get to work and go shopping. Finally, you want to live somewhere you feel safe and comfortable. You will have to determine which of these items has the highest priority.

Ways to Search for an Apartment

For the most comprehensive list of apartments possible, you can use all of the following methods to search for an apartment. Of course, you are welcome to choose any method you wish in order to hunt for an apartment. Perhaps you’re more technologically savvy and would like to look exclusively on the internet. Or maybe you’d rather ask your friends and family first before you hunt for an apartment on your own. Feel free to take this section out of order or forgo part of this section, if you’d like.

Apartment Rental Signs

Whether you live in California, New York, or my home state of Illinois, you’ve inevitably seen apartment rental signs near you. Most apartment rental signs feature these key components:

  • The words “For Rent,” “Apartments for sale,” or “Apartments for rent,” usually in orange or red and black
  • The full address and zip code of the apartment(s) for rent
  • Positive qualities of the rental property (renovations, laundry facilities, amenities, etc)
  • Rent amount
  • Application requirements
  • Contact information (Name, phone number, and/or email address of the person putting the apartment up for rent)

Online Apartment Search

There are a lot of great resources out there if you’re running an apartment search online. I’ll list several websites that you can find apartments on and give you a brief overview of how to use them. Zillow is a good way to see several apartment listings at a glance. There are plenty of pictures for you to look through that can determine if the apartment is for you. Simply type the city and state you want to find an apartment in and click the search icon. You can also narrow down your search by price, how many rooms there are, square footage, year built, stories, amenities, and whether they allow pets. You can even type “furnished” into the keywords search to find already-furnished apartments. With the Zestimate tool, you can compare apartments too!

Trulia is just as user-friendly as Zillow is in terms of getting to see what apartment listings are available. A helpful feature of Trulia is that the site partners with crime-mapping tools (Spot Crime and others) to provide you with a “Safety and Crime” map. Trulia users review each area according to specific criteria as well, making it considerably more comprehensive than Zillow.

Realtor.com lists several different apartments by category on their home page (ie: “Apartments with pools,” “Pet-friendly apartments”). Type the city and state you’re looking for into the search bar and filter your search to your specifications. Like Zillow, Realtor.com lists the amenities and specifications of each apartment (beds, baths, square footage, etc).

Craigslist is essentially an online newspaper ad. From the link I’ve provided, find your state and click on the city or locality closest to where you’d like to live. You’ll be directed to a screen with several options, and you’ll find “Apts/Housing” under the Housing category. Click it and you’ll see several available apartments, most of them with photos so you can get a better idea of what the apartment looks like. Note: the information on Craigslist isn’t as comprehensive as on other sites, and since anyone can post on Craigslist, exercise caution when searching for apartments. If the listing isn’t professional (no photos/address/unprofessional-sounding listing), chances are it’s not legitimate. However, Craigslist has been around for a long time, and it is not dedicated to apartment hunting, so the site does not have many of the features of the apartment hunting website listed above.

Newspaper Apartment Listings

Like apartment rental signs, newspaper apartment listings generally tend to include the following useful information:

  • Rental amount
  • Number of bedrooms
  • Number of bathrooms
  • Name and contact information (phone number, email, etc) for the person listing the property
  • Whether or not pets are allowed
  • What town/community the apartment is located in (including address)
  • Some amenities

Sometimes apartment listings will also include:

  • Whether heat and hot water are included
  • The required amount for the security deposit
  • Available move-in date

You can search using a physical newspaper, which is slowly disappearing, or you can go to the newspaper website. The point is that landlords still advertise in local newspapers.

Apartment Referrals From Family and Friends

 

Sometimes you’ll get the best referrals from family and friends, especially if they already have an apartment in the community where you’re interested in living. Getting a referral from someone you know for both the renter and landlord adds an element of trust because you know a mutual family member or friend. Also, many landlords with small apartments may not advertise online and will use more traditional methods, such as putting a sign on the property or telling family and friends of the apartment’s availability.

If your friend or family member has answered the above questions and you’re still interested, you can ask whether they’d be willing to invite you over to their apartment so you can see what it’s like. Getting referrals is the best way to find an apartment, as long as you know who to ask.

How to Research Your Apartment

 

As in many other areas of life, it really helps to do your research. First, we’ll cover why you need to do your research. Next, we’ll highlight the importance of proximity to work or school, possible amenities that can make your future home more enjoyable, and how to calculate your cost of living in each apartment.

Why You Need to Do Your Research

 

A sad reality of adulting is that there’s always someone out there who wants to take your money. If you do diligent research, you’ll minimize your chances of being scammed by imposters while you hunt for an apartment. Here are a few ways you can determine whether your dream apartment is truly legitimate:

If you pay in cash, get a receipt. If you are renting in a larger apartment complex operated by a professional management company, they may not take cash. Credit and debit card transitions are easier to audit for apartment owners. However, many landlords of smaller apartments or houses may take cash, in which case just get a written receipt showing you paid the rent.

Pictures are a good starting point, but you need to see the apartment. If you encounter a landlord who isn’t willing to show you the property before you sign a lease or make your first monthly payment, just walk away. This is not a legitimate practice, and something is wrong.

Sign a written lease. Only a written lease is legally binding, so should a dispute arise, you’ll be grateful to have the agreement on paper. Ensure that the landlord signs the lease as well and that you have a copy of the contract. (If you e-sign the rental agreement through an apartment listing service like Rentberry, you’ll always have a digital copy at your fingertips.) However, many smaller units (2–4 units) and houses are owned by individuals who have different levels of expertise. You should get your contract terms in a written lease, and you should read the lease and ask questions. You may not understand all the lease terms, and don’t be surprised if the landlord doesn’t either. Plus, some cities, such as Chicago, have housing regulations that the landlord may or may not follow. Lease terms are another subject, so, I will just say get it in writing and leave it at that for now.

Make sure the lease identifies the owner and that you know who they are. Ask for homeownership documents to prove that you’re speaking to someone with authority to rent the property. This is more of an issue with renting single-family homes and smaller 2-4-unit buildings. This is less of an issue with larger apartment complexes. You should know if the person renting you the apartment owns the building or is authorized to rent it. If they hesitate, don’t sign on the dotted line.

Avoid sub-leasing unless you absolutely need to do it. It’s very difficult to determine whether the original tenant has the right to sub-lease the property. Both you and the original tenant can be evicted if the landlord finds out that the property was being sub-leased without permission. The safest way to go about sub-leasing is to talk with the original tenant and landlord to see if you can have your name added to the original lease.

Meet the landlord in person, too. Regardless of the method that you choose to research the apartment, you need to see the physical property and the landlord in person. If they don’t want to interact with you in person, that’s another red flag.

Keep a sharp eye out for the middleman scam. If someone tells you that they handle property for the real owners and insists on collecting payment from you, don’t believe them. The person who rented you the apartment and countersigned the lease should direct you to where and how to make your monthly payment. These are some of the most common rental scams out there, so run away while you can.

Technology is your friend. Before you rent a place, Google the landlord’s contact information. If you see a photo that seems too good to be true, run a reverse image search on Google or TinEye.

Read the Lease. If you don’t, you could end up on the hook for a lot more than you bargained for. Always read your rental agreement thoroughly before you sign. Most likely, the lease will have some provisions you do not understand, so ask questions.

Follow other tips to avoid rental scams. Rentberry.com has an entire list of ways to avoid scams. Read the article if you want more advice or resources on how to deal with rental scams.

Proximity to Work or School

 

Before you choose an apartment, evaluate how close it is to your workplace, college, or training school. If your apartment is too far away, the cost of gas is going to begin cutting into your budget. (More on that later.) One of the best ways to avoid wear and tear on your vehicle is to live close to your school or workplace. You’ll cut down on gas and maintenance costs as well. If you find that you have no choice but to live a considerable distance from your workplace or school, be sure to factor that in as you go over your budget.

What Amenities are You Looking For?

 

There are several types of amenities that are offered to renters. Here are some examples, sorted by category:

Recreational

  • Swimming pools
  • Barbeque areas
  • Firepits
  • Fitness Centers
  • Clubhouses
  • Rooftop Lounges
  • Media Rooms
  • Community Gardens

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.

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How to Improve your Credit Report for Teens and Young Adults https://updated.stewartpublishing.com/how-to-improve-your-credit-report-for-teens-and-young-adults/ https://updated.stewartpublishing.com/how-to-improve-your-credit-report-for-teens-and-young-adults/#respond Sun, 05 Feb 2023 06:07:07 +0000 https://stewartpublishing.mdshojon.com/?p=1262

Want to know how to build credit at 18 years old? This guide is for those who want to learn how to build credit as a teenager, whether you’re looking to build credit under 18 years of age or are older than 18.

In this article, I will discuss that credit is a financial tool, cover the three major credit agencies, and how to set up a free online account for each of them. I’ll also share why it’s important to manage your credit score by reviewing your profile annually.

Ready for this guide to building credit as a teen or young adult? Read on for more information!

Credit is a Financial Tool

Having credit enables you to buy goods and services before you have the full payment amount. For things like car loans, student loans, and home loans, that’s great. You can qualify for those things and enjoy them as you work to pay them off. However, if you use a credit card frivolously or on large purchases simply to have more things, the interest can quickly get out of hand.

If you use credit responsibly, you’ll be able to successfully build your credit history and credit score. You’ll prove that you’re trustworthy and responsible enough to pay back the loans you’ve accumulated.

Credit is not a free-for-all

Unfortunately, there are people of all ages (teens and young adults included) who struggle with credit issues because they have not developed the financial discipline to use credit responsibly. Let’s take a credit card as an example. If you are new to using credit cards, then you are still learning how to manage this type of debt. If you spend up to the card limit (maxing out), you can no longer use the card until you reduce the balance. For many, this results in making only the minimum payment every month. If you are late with a payment, you pay a late fee, and the balance grows. This is the worst-case scenario; many do not know how to manage, and it is a stressful situation. With any type of loan, if you miss your monthly payment, you will start to receive collection calls and notices asking for a payment. That is more stress you don’t need. Many unexperienced young adults are not equipped to effectively handle those calls. Assuming this is not the result of losing your job, you can avoid this trap. Credit is a financial tool, and like any tool, you need to know how to properly use it to avoid hurting yourself.

Finally, not all loans and credit cards have the same commercial terms, and some loans and cards carry very high interest rates and late fees. So you have to do your research to find a loan that fits your needs and learn how to manage your credit to your advantage.

The Three Major Credit Reporting Agencies

There are three major credit reporting agencies that keep records of your credit report: Experian, TransUnion, and Equifax. Each of them will have slightly different scores for you, but it’s important to know about them all so you can be proactive about building your credit.

Experian

Experian is a company that’s been around for over 125 years and is highly regarded as a credit reporting company. It gathers, analyzes, processes, and manages data to help people make smarter decisions with their money. Experian also helps prevent identity fraud and crime, but we’ll talk more about that later. Experian uses a FICO Score 8 model to calculate your credit score.

TransUnion

Transunion is a global company that offers information and insights into your credit, making sure they have an accurate representation of who you are. It’s been around since 1968 and is based in Chicago, Illinois. Transunion uses the VantageScore 3.0 model to aggregate your credit score.

Equifax

Equifax is headquartered in Atlanta, Georgia, and has been in business for about 122 years. Their 12,000 employees work in 24 countries around the world, and their motto is to help people live their financial best. Equifax uses the FICO Score 8 model to calculate credit scores.

Setting Up Your Free Online Accounts

You can set up a free online account with some of these reporting companies, although some will charge a monthly fee for the service. Setting up an online account will enable you to check your credit score regularly and manage it better. Below I’ll list more detailed information on how to get a free online account for each credit reporting company.

Experian

When you come to the Experian website, there should be a big, green button toward the top of the page that says “Yes, let’s go,” to get a free credit report and FICO score. Click that and you’ll be taken to their registration page (or just click the link I’ve provided here). Add your information to create an account – that’s how easy it is to register!

By registering, you’ll have access to your free Experian credit report and FICO score, tips to boost your score, and a refreshed report and score every 30 days. They’ll also monitor your Experian credit score, offer a dark web surveillance report, and match credit cards and loans you may be interested in.

TransUnion

Unfortunately, TransUnion does not provide a free account to monitor your credit score. They charge about $25 a month for the service, which grants you unlimited score and report access, CreditCompass, email updates of critical changes for all 3 bureaus, instant email alerts, the ability to lock and unlock TransUnion and Equifax reports, debt analysis, unlimited access to ID theft specialists and up to $1M identity theft insurance.

To register, fill out your registration information on their website.

Equifax

On the Equifax website, they encourage you to visit AnnualCreditReport.com, which is said to assist you in obtaining one free credit report from each credit card company once a year. I personally pull a free credit report for all three major credit agencies from this website, so you can obtain a free report (without a credit score). This is a good way to see what information is being reported on your report. You can determine if this information is accurate or not, and if not, you can file a dispute. Finally, you can see if there is a loan on your report that does not belong to you, which may be the result of a mistake or credit fraud.

Equifax also encourages visitors to sign up for a “my Equifax” account. It’s easy to register: you just type the relevant information at the link I just provided and hit “Continue” until you’ve completed your registration. You may even qualify for additional reports throughout the year, if you meet certain requirements.

There are other compaines that provide credit reporting and monitoring services that are in competition with the major three credit agencies. Examples are: Credit Karma, Credit Sesame, Creditwise, and Mint, to name a few. The credit information these competitors provide is being pulled from one of the three major agencies, but these competitors offer their own brand of services. I will discuss these competitors in another post.

How to Manage Your Credit Score

Managing your credit score doesn’t need to be difficult. Once you know what to do, just be consistent and your credit score will continue to climb and get better. Managing your credit score is as easy as 1,2,3.

Pay your bills on time. 

The most important part of managing your credit score is to pay your bills on time every month. FICO and VantageScore (the two scoring companies mentioned above) place the highest importance on timely payments. If you make payments 30 or more days late, your score can drop by 100 points, not to mention that you may get stuck with late fees.

To ensure bills are paid on time, here are some options:

  • Set up automatic bill pay
  • Set up reminders on your computer or phone

 

If you choose to set up reminders, make sure you set it well in advance of the due date. That way, you can transfer funds from other sources if need be, avoiding late charges.

Use just a fraction of your available credit.

Another big factor in your credit score is how much credit you use. It’s best to spend less than 30% of your available credit, but it’s even better if you can use less than 10% of your credit. This only applies to revolving credit, such as credit cards or a home equity loan. This means the credit reporting agencies will lower your score for maxing out your credit cards.

Here are some ways to keep your credit utilization low: 

  • Spread out big purchases over multiple cards
  • Sign up for card alerts to tell you when you’re approaching the 30% mark
  • Pay off your balance in small chunks during the billing cycle if you can
  • Ask for higher credit limits

 

If you choose to ask for higher credit limits, be careful. Although raising your credit limit will help with your credit score temporarily, it may also encourage you to spend more money that you don’t have. Using more credit means making higher payments, so be wise if you decide to go that route.

Watch your other accounts and track your credit scores.

There are more factors than on-time payments and credit card utilization that go into your credit score.

The other factors include:

  • Credit applications. If you apply for credit in many places at once, creditors can see that as a red flag. The only exceptions to this rule are mortgage loans, student loans, and car loans within a two-week period, since it’s obvious you’re looking for a good rate.
  • A variety of credit accounts. Having a mix of credit cards and installment loans will boost your score, and you can do that simply by opening credit as you need it.
  • Age of accounts. If you have accounts that show a long record of responsible use, your credit score will benefit. Keep your credit cards open unless you have a good reason to close them (like a high annual fee).
  • Balances and debt. Being faithful to pay your debts over time will help your score get better. Just steer clear of stacking up too much debt for your income.

 

Review Your Credit Profiles Annually

Check your credit report at least once a year to ensure that there aren’t any errors. Checking your own credit is considered a soft inquiry, and won’t have a negative effect on your credit score. With the increase in identity theft, you want to check to make sure there are no loans on your report that do not belong to you. Another benefit to checking your score regularly (once a year or more) is that you can enjoy watching your credit score climb as you follow these tips!

Got Questions? Contact us today!

I hope you’ve enjoyed these tips on how to build a credit history! If you need help building credit, please contact Stewart Publishing. I built this company because I believe that young adults should be given the tools they need to succeed, and not all of those tools are taught in school. The Stewart Publishing blog has other posts, that are useful to teens and young adults.

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How to Improve Your Personal Finances as a Young Adult https://updated.stewartpublishing.com/how-to-improve-your-personal-finances-as-a-young-adult/ https://updated.stewartpublishing.com/how-to-improve-your-personal-finances-as-a-young-adult/#respond Sun, 29 Jan 2023 06:12:07 +0000 https://stewartpublishing.mdshojon.com/?p=1274

If you haven’t already done so, you should also create a file for your important documents, including your birth certificate and social security card. You’ll need your social security number to apply for a loan, and it’s a good idea to keep these documents in an easy-to-refer-to file so you don’t have to search for them when something important comes up.

To budget your money, you can try to follow the 50/30/20 rule. Up to 50% of your income can go to needs, 30% can go to wants, and 20% should go to savings and debt repayment. If you can stick to this plan, you’ll be on your way to financial stability in no time! The traditional way to deal with expenses is to keep track of them by physically writing out your income and expenses, keeping a running tally of where you stand. However, financial software has made it easier than ever to take care of this in a more efficient and youth-friendly way.

Financial Software

Thankfully, financial software takes all the guesswork out of your personal finances and allows you to meet your long-term financial goals. The personal finance software mentioned below is a mix of free and paid options that can help you budget, build financially healthy habits, file income taxes, and manage spreadsheets. Mint, Quicken, Mvelopes, TurboTax, YNAB, and Tiller Money are great options for you to look over. Choose the ones that are right for you!

Many of the paid options also offer free trials, so don’t be afraid to give them a test run before you go through with your purchase. They might be the help with finances that you’ve been looking for.

Mint

Mint’s budgeting software is provided by the makers of TurboTax, making it a great choice for people who are already using it for their income taxes. This easy-to-use tool can be used to read your bank and credit card information and analyze your spending habits. You can also set up due date and low balance alerts so you’re never caught off guard by overdraft fees or late payments. Budget categories allow you to get information on how much money you have left for things like gas money or grocery spending. Mint is free to download on iOS, Android, and desktop devices.

Quicken

Quicken is probably the most well-known personal finance software to date. It allows you to create a budget, track your spending, and create savings goals. Interested in investing? Quicken can provide tips on how to invest your money, too. Quicken has Excel exporting capabilities that allow you to perform additional data analysis. It also has a bill pay feature that lets you pay bills from the software.

Quicken is robust enough to manage personal and business expenses. Quicken software starts at $35.99 a year for a starter membership. Home & Business membership is the most expensive option, at $103.99 a year. Keep an eye out for discounts; at the time this was written, there was a 40% off sale going on!

TurboTax

Although TurboTax isn’t budgeting software, it does a lot to ensure that your taxes are properly prepared and submitted to the IRS. You can import your W-2 from your employer or take a picture of it and upload it to the system. As you send income tax information, the software remembers and can be a lifesaver if you’re in the process of applying for a loan and aren’t sure where you put your tax return information. Simply log back in and find it again! Another advantage of using TurboTax for multiple years is that the software remembers your personal information, so you don’t have to enter it each year. If there haven’t been any major changes, information such as your address, name, marital status, and social security number will already be filled in for you. The basic version allows you to file your federal and state return for free if you only use Form 1040 and no attached schedules.

If you’re willing to pay more, however, TurboTax will give you access to a CPA to give personalized advice and answer questions. You can also get Audit Defense, which gives you access to a team that will handle all communications and negotiations with the IRS in the event that you’re audited.

YNAB (You Need A Budget)

You Need a Budget’s software helps improve your financial literacy and build healthy habits as you manage your budget. The software provides tutorials to help you understand difficult financial topics. YNAB can help you break your bad spending habits and get you on a better path. It automatically links to your bank account and provides you with spending analysis and budget tracking. The full software is $11.99 a month or $84 for a year.

Tiller Money

If you want to see all your money in one place, Tiller Money might be the right software for you. It automatically updates your checking, loan, credit card, and other account data into customizable Google or Excel spreadsheets. You can choose from several templates that will allow you to organize your data, or customize one to better suit your needs. Tiller sends daily emails with a summary of recent transactions and balances, too. Tiller costs $6.58 a month or $79 for the year.

Free Annual Credit Reports

You may not be aware of this, but you can access your annual credit report through the website AnnualCreditReport.com. This website allows you to see where you stand with the three major credit bureaus, which is important if you’d like to build your credit. The federal law allows you to get a free copy of your credit report every 12 months from the three major credit reporting companies.

Why should you check your credit report?

The first reason to check your annual credit report is that you’ll know where your credit stands. If you’ve messed up your credit by making mistakes, the first step to building it back up is to begin monitoring it. However, there’s another important reason to check your credit report annually: to avoid being scammed. Credit is a hot commodity for identity thieves, and the first place those changes will show up is on your credit report. If you review them often, you’ll be less likely to be blindsided.

A little-known fact is that banks aren’t required to pay the full amount that you lose from identity theft or credit card fraud if you don’t act quickly enough. You must act quickly if you wish to regain all of the income you lost. Reviewing your annual credit report is a great way to do this.

 

How to Build a Positive Credit History

The first step to building a credit history is to open an account. Many people believe a good way to acquire a credit card is to first open a bank account, then request your first credit card through them. Since it can be tough to find a credit card if you don’t already have credit established (or if your credit is bad), going to a financial institution that is already familiar with you may help. Even in the financial sector, it’s about who you know, so if you’re already established somewhere, that bank should be your first stop in building your credit.

(If you aren’t able to find a credit card through those means, try getting a secured credit card. It works much like a regular credit card but requires a security deposit upfront, which the institution will hold as collateral against what you spend. If you stop making payments, the issuer will keep the deposit to cover the debt.)

Once you’ve got your credit card, begin making small, easy-to-afford purchases on it. Pay your balance in full each month so that you will have a history of on-time payments. Doing this will build your credit score over time and show that you’re a responsible borrower.

Of course, that’s not the only way to build a positive credit history. If you’ve got a car loan or student loan, making on-time payments on those can also bolster your credit. Just check into the methods of building credit linked above for more information!

 

Planning for the Future

A lot goes into planning for the future, but the major purchases that may still be ahead of you are buying a car, buying a home, and putting some money toward a retirement home so you can live comfortably. Below, I’ll provide a summary of each of these purchases, along with some tips to make the process easier for you.

 

Buying a Car

A common misconception is that buying a car is a relatively painless process. Some customers expect to walk up, choose their car, sign some paperwork and get the keys. They’re taken aback when they realize that they may need to wait for a few hours while the dealership runs their credit to determine what loans they can be approved for.

To avoid this, you can get preapproved for a loan before you even walk into the dealership. This will guarantee that you get a loan for an amount you can afford and give you the chance to secure the best rate possible. Rather than being rushed and signing all the paperwork coming your way, you can take your time to determine what interest rates are best for you. Be careful what lender you use, though: use a mainstream bank, credit union, or another lender whose name you recognize.

Start with the price of the car you want. The salesperson may try to ask if you’ve got a trade-in, but politely decline until you have a solid answer on how much it will cost. From there, state whether you’ve got a trade-in and ensure that you’ve already researched the trade-in value online. Remember: you can always walk away or refuse the trade-in offer if you feel they’re lowballing you. There are other great car buying tips available at the link if you’d like to know more.

 

Buying a Home

Buying a home is an exciting prospect, but you’ll want to be sure you’re absolutely ready. You’ll need to be ready both financially and emotionally, since it’s a large investment that will be far more lucrative if you plan to stay in the home for some time. Not only will you need to afford the monthly payment, but traditionally, you’ll want to have up to 20% of the purchase price for the down payment as well as 2-5% of the loan amount for closing costs.

However, many lenders have first-time homebuyer programs that will lend up to 97% of the purchase price. It’s preferable to have an emergency fund too, just in case you need to make unexpected repairs.

(Homebuying tip: if you find that the home needs repairs, it may be tempting to ask the seller to make the repairs before you move in. However, many sellers are eager to move out and make the bare minimum of repairs. If you can negotiate a lower asking price in lieu of those repairs and then get a licensed contractor to perform repairs for you, you’ll have a higher chance of the repairs being done in the way you want them to be done.)

See this home-buying checklist if you’d like more information on how to purchase a home.

 

Retirement Fund

Although saving for retirement is likely the last thing you’re thinking about right now, it can be much easier for you if you start right now. Merrill has a helpful chart that shows how much more money you could have for retirement if you start now rather than waiting until you’re 35. You should also consider contributing to a 401(k) or IRA since those can help build your retirement fund.

There are plenty of other tips on how to save for retirement linked above.

How Can Stewart Publishing Assist You?

I write blogs like this one because helping people is where I thrive. I’ve written on topics ranging from elder care, working from home and, most recently, the transition from teenager to young adult. I’ve also written books about leaving your parent’s home and the nature of power struggles. Let me know if you’ve enjoyed this article on young adults’ finances, or if you’ve got any questions. If you are not a subscriber, then click the link and sign up today, https://forms.aweber.com/form/43/1356852343.htm As always, I’d like to hear from you.

If you’re a teenager or young adult who would like to create a financial base for yourself, this article is for you. I’ll cover everything, including how to get started, what financial software is available to you, and how to take advantage of your free annual credit reports. I’ll also go over how to build a good credit history and plan for the future by saving for a car, a house, and a retirement fund. Read on to find out more about how to build up your income and create a financial base.

Getting Started

Before you can begin creating a financial base for yourself, you’ve got to find out what you’re working with. To do this, you’ll need to know what your monthly income and expenses are. Gather up your pay stubs, loan statements, utility bills, and anything else you may need in order to know where you stand financially. (Or, alternatively, find your e-bills and e-statements online.) You’re going to need this information for the next step.

If you haven’t already done so, you should also create a file for your important documents, including your birth certificate and social security card. You’ll need your social security number to apply for a loan, and it’s a good idea to keep these documents in an easy-to-refer-to file so you don’t have to search for them when something important comes up.

To budget your money, you can try to follow the 50/30/20 rule. Up to 50% of your income can go to needs, 30% can go to wants, and 20% should go to savings and debt repayment. If you can stick to this plan, you’ll be on your way to financial stability in no time! The traditional way to deal with expenses is to keep track of them by physically writing out your income and expenses, keeping a running tally of where you stand. However, financial software has made it easier than ever to take care of this in a more efficient and youth-friendly way.

Financial Software

Thankfully, financial software takes all the guesswork out of your personal finances and allows you to meet your long-term financial goals. The personal finance software mentioned below is a mix of free and paid options that can help you budget, build financially healthy habits, file income taxes, and manage spreadsheets. Mint, Quicken, Mvelopes, TurboTax, YNAB, and Tiller Money are great options for you to look over. Choose the ones that are right for you!

Many of the paid options also offer free trials, so don’t be afraid to give them a test run before you go through with your purchase. They might be the help with finances that you’ve been looking for.

Mint

Mint’s budgeting software is provided by the makers of TurboTax, making it a great choice for people who are already using it for their income taxes. This easy-to-use tool can be used to read your bank and credit card information and analyze your spending habits. You can also set up due date and low balance alerts so you’re never caught off guard by overdraft fees or late payments. Budget categories allow you to get information on how much money you have left for things like gas money or grocery spending. Mint is free to download on iOS, Android, and desktop devices.

Quicken

Quicken is probably the most well-known personal finance software to date. It allows you to create a budget, track your spending, and create savings goals. Interested in investing? Quicken can provide tips on how to invest your money, too. Quicken has Excel exporting capabilities that allow you to perform additional data analysis. It also has a bill pay feature that lets you pay bills from the software.

Quicken is robust enough to manage personal and business expenses. Quicken software starts at $35.99 a year for a starter membership. Home & Business membership is the most expensive option, at $103.99 a year. Keep an eye out for discounts; at the time this was written, there was a 40% off sale going on!

TurboTax

Although TurboTax isn’t budgeting software, it does a lot to ensure that your taxes are properly prepared and submitted to the IRS. You can import your W-2 from your employer or take a picture of it and upload it to the system. As you send income tax information, the software remembers and can be a lifesaver if you’re in the process of applying for a loan and aren’t sure where you put your tax return information. Simply log back in and find it again! Another advantage of using TurboTax for multiple years is that the software remembers your personal information, so you don’t have to enter it each year. If there haven’t been any major changes, information such as your address, name, marital status, and social security number will already be filled in for you. The basic version allows you to file your federal and state return for free if you only use Form 1040 and no attached schedules.

If you’re willing to pay more, however, TurboTax will give you access to a CPA to give personalized advice and answer questions. You can also get Audit Defense, which gives you access to a team that will handle all communications and negotiations with the IRS in the event that you’re audited.

YNAB (You Need A Budget)

You Need a Budget’s software helps improve your financial literacy and build healthy habits as you manage your budget. The software provides tutorials to help you understand difficult financial topics. YNAB can help you break your bad spending habits and get you on a better path. It automatically links to your bank account and provides you with spending analysis and budget tracking. The full software is $11.99 a month or $84 for a year.

Tiller Money

If you want to see all your money in one place, Tiller Money might be the right software for you. It automatically updates your checking, loan, credit card, and other account data into customizable Google or Excel spreadsheets. You can choose from several templates that will allow you to organize your data, or customize one to better suit your needs. Tiller sends daily emails with a summary of recent transactions and balances, too. Tiller costs $6.58 a month or $79 for the year.

Free Annual Credit Reports

You may not be aware of this, but you can access your annual credit report through the website AnnualCreditReport.com. This website allows you to see where you stand with the three major credit bureaus, which is important if you’d like to build your credit. The federal law allows you to get a free copy of your credit report every 12 months from the three major credit reporting companies.

Why should you check your credit report?

The first reason to check your annual credit report is that you’ll know where your credit stands. If you’ve messed up your credit by making mistakes, the first step to building it back up is to begin monitoring it. However, there’s another important reason to check your credit report annually: to avoid being scammed. Credit is a hot commodity for identity thieves, and the first place those changes will show up is on your credit report. If you review them often, you’ll be less likely to be blindsided.

A little-known fact is that banks aren’t required to pay the full amount that you lose from identity theft or credit card fraud if you don’t act quickly enough. You must act quickly if you wish to regain all of the income you lost. Reviewing your annual credit report is a great way to do this.

How to Build a Positive Credit History

The first step to building a credit history is to open an account. Many people believe a good way to acquire a credit card is to first open a bank account, then request your first credit card through them. Since it can be tough to find a credit card if you don’t already have credit established (or if your credit is bad), going to a financial institution that is already familiar with you may help. Even in the financial sector, it’s about who you know, so if you’re already established somewhere, that bank should be your first stop in building your credit.

(If you aren’t able to find a credit card through those means, try getting a secured credit card. It works much like a regular credit card but requires a security deposit upfront, which the institution will hold as collateral against what you spend. If you stop making payments, the issuer will keep the deposit to cover the debt.)

Once you’ve got your credit card, begin making small, easy-to-afford purchases on it. Pay your balance in full each month so that you will have a history of on-time payments. Doing this will build your credit score over time and show that you’re a responsible borrower.

Of course, that’s not the only way to build a positive credit history. If you’ve got a car loan or student loan, making on-time payments on those can also bolster your credit. Just check into the methods of building credit linked above for more information!

 

Planning for the Future

A lot goes into planning for the future, but the major purchases that may still be ahead of you are buying a car, buying a home, and putting some money toward a retirement home so you can live comfortably. Below, I’ll provide a summary of each of these purchases, along with some tips to make the process easier for you.

 

Buying a Car

A common misconception is that buying a car is a relatively painless process. Some customers expect to walk up, choose their car, sign some paperwork and get the keys. They’re taken aback when they realize that they may need to wait for a few hours while the dealership runs their credit to determine what loans they can be approved for.

To avoid this, you can get preapproved for a loan before you even walk into the dealership. This will guarantee that you get a loan for an amount you can afford and give you the chance to secure the best rate possible. Rather than being rushed and signing all the paperwork coming your way, you can take your time to determine what interest rates are best for you. Be careful what lender you use, though: use a mainstream bank, credit union, or another lender whose name you recognize.

Start with the price of the car you want. The salesperson may try to ask if you’ve got a trade-in, but politely decline until you have a solid answer on how much it will cost. From there, state whether you’ve got a trade-in and ensure that you’ve already researched the trade-in value online. Remember: you can always walk away or refuse the trade-in offer if you feel they’re lowballing you. There are other great car buying tips available at the link if you’d like to know more.

 

Buying a Home

Buying a home is an exciting prospect, but you’ll want to be sure you’re absolutely ready. You’ll need to be ready both financially and emotionally, since it’s a large investment that will be far more lucrative if you plan to stay in the home for some time. Not only will you need to afford the monthly payment, but traditionally, you’ll want to have up to 20% of the purchase price for the down payment as well as 2-5% of the loan amount for closing costs.

However, many lenders have first-time homebuyer programs that will lend up to 97% of the purchase price. It’s preferable to have an emergency fund too, just in case you need to make unexpected repairs.

(Homebuying tip: if you find that the home needs repairs, it may be tempting to ask the seller to make the repairs before you move in. However, many sellers are eager to move out and make the bare minimum of repairs. If you can negotiate a lower asking price in lieu of those repairs and then get a licensed contractor to perform repairs for you, you’ll have a higher chance of the repairs being done in the way you want them to be done.)

See this home-buying checklist if you’d like more information on how to purchase a home.

 

Retirement Fund

Although saving for retirement is likely the last thing you’re thinking about right now, it can be much easier for you if you start right now. Merrill has a helpful chart that shows how much more money you could have for retirement if you start now rather than waiting until you’re 35. You should also consider contributing to a 401(k) or IRA since those can help build your retirement fund.

There are plenty of other tips on how to save for retirement linked above.

How Can Stewart Publishing Assist You?

I write blogs like this one because helping people is where I thrive. I’ve written on topics ranging from elder care, working from home and, most recently, the transition from teenager to young adult. I’ve also written books about leaving your parent’s home and the nature of power struggles. Let me know if you’ve enjoyed this article on young adults’ finances, or if you’ve got any questions. If you are not a subscriber, then click the link and sign up today, https://forms.aweber.com/form/43/1356852343.htm As always, I’d like to hear from you.

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How to Join the Military – Part 3: The Benefits https://updated.stewartpublishing.com/how-to-join-the-military-part-3-the-benefits/ https://updated.stewartpublishing.com/how-to-join-the-military-part-3-the-benefits/#respond Sat, 14 Jan 2023 06:14:28 +0000 https://stewartpublishing.mdshojon.com/?p=1277

Welcome to part three of the series on how to join the military. In the first post, I discussed the pre-qualifications required to enter the military. For many, the military is the fastest option for income, housing, training, and other benefits. The armed services are not for everyone, but they are an option that requires serious consideration for anyone starting the transition to adulthood and independence. There are several branches of the military, which are:

In the last post, I talked about how pre-qualified teens and young adults can begin taking steps to join the Army. I also discussed how to obtain marketable training for military jobs, and how to prepare for the ASVAB (Armed Services Vocational Aptitude Battery) test.

Today, I’ll cover the benefits of going into the armed services. There are several benefits to going into the military, including a quicker path to income and training, college tuition and loan repayment assistance, free or low-cost medical care, home loans, small business loans, readjustment counseling, and veteran discounts. All of these are extremely beneficial, not just while in the service, but throughout the rest of your life.

Earn Income and Get Training Fast

As I covered in the last post, the military can be a fantastic place to get on-the-job training as you earn income, especially if you take the time to study for your ASVAB. Many jobs even have enlistment bonuses of up to $40,000. A Cryptologic Linguist makes $45,960 a year, so the $40,000 bonus can be quite substantial.

Note: it may take some time before you start making good money. Pay is at its lowest during your first four months of basic training, currently at $1,650 a month. Once you are an enlisted, active-duty soldier, pay goes up slightly to $1,785 a month. That said, pay goes beyond the base salary. The military will also grant housing to you and your dependents, food allowances, and health insurance (though I’ll go into that more later). It may seem that basic pay is lower than earnings for civilian jobs, but when you factor everything else in, you could wind up with higher overall compensation. Other jobs don’t provide housing and food allowances on top of what they’re already paying you.

College Tuition and Loan Repayment Assistance

Tuition assistance

It’s possible to complete your degree in conjunction with active service in the military. There is up to $4,500 of tuition assistance available each year for active duty and military reserve members. This can be used to cover up to 100% of your tuition! It’s not a loan, either. It’s a military benefit that’s paid directly to your school to cover tuition and fees. The Top-Up supplement program could provide even more assistance to you. There are also a number training programs available, including college degree programsapprenticeship trainingvocational training (including non-college degree programs), work study programs and tutorial assistance.

Air Force Tuition Assistance

Army Tuition Assistance

Navy Tuition Assistance

Marine Tuition Assistance

Coast Guard Tuition Assistance

Student Loan Repayment Assistance

If you’ve already earned a degree and find yourself saddled with debt, the military has programs that can help repay it if you’re in active service. The Air Force, Navy, Army, and National Guard all offer loan repayment programs for active duty service members and reservists with past debt. If eligible, you can receive up to $120,000 toward repayment of federal student loans. The loans that qualify for student loan repayment vary depending on the branch of the military you’re active in, so be sure to click below to find out!

Army Loan Repayment

National Guard Loan Repayment

Navy Loan Repayment

Air Force Loan Repayment

GI Bill

The Post 9/11 GI bill grants 36 months of assistance after completing active service. These three months can be used to complete an undergraduate degree. Full-time students are eligible for:

  • Monthly Housing Allowance (MHA) up to $2,700 based on location and service length
  • Up to $1,000 annually for books, depending on enrollment status
  • About $19,000 for tuition (Some state requirements are higher or lower)

The GI Bill is best suited to those who are qualified as “in-state” residents. Out-of-state and private school tuition exceeds the annual tuition cap, but may still be possible with the help of scholarships and other financial aid programs for service members. The Yellow Ribbon Program, for example, helps make private and out-of-state education more affordable.

Free or Low-Cost Medical Care

After you’ve left the military, you are eligible for medical benefits through Veteran Affairs hospitals. They will take care of “needed” cares and services that promote, preserve and restore health. The VA determines the level of copayment needed based on what priority group you belong to. There are 8 priority groups, with 1 as the highest priority and 8 as the lowest priority. Depending on your priority group, the VA may also reimburse you for travel costs incurred between your home and their medical facility. The copayment rate for urgent care is currently $30 or less, and specialty tests and care services are $50.

VA Home Loans

VA home loans allow you to buy, build, or refinance a home with down payments as little as $0. They have fantastic rates and financing options and no PMI (Private Mortgage Insurance, a monthly insurance fee charged to protect the bank until you reach at least 20% equity). Most service members who qualify find that VA loans are far superior to other traditional mortgage types. Conventional loans usually require up to 20% down, so not needing a down payment is very advantageous. To be eligible, you need to have served on active duty for at least 90 days (or met other easy-to-achieve benchmarks created for Guard and Reserve members). As of 2020, there are no loan limits for VA loans. Interested? Here’s a helpful article that will assist you in determining how much you qualify for.

Small Business Loans

The office of Small and Disadvantaged Business Utilization helps veterans who own small businesses get information on how to acquire contracts with VA. Since it’s a federal office, the VA is required to put part of its contracts and purchases within small and disadvantaged businesses. VA also promotes business with veterans by encouraging the contracting offices to include veteran-owned contractors in mailings to solicit bids.

The verification process for applicants for Service-Disabled Small Business (SDSB) and Veteran-Owned Small Business (VOSB) consists of four stages. Those four stages are: Intake, Assessment, Federal Review, and Decision.

Readjustment Counseling

Readjustment counseling is available to any guard or reserve members who: served in a combat theater,  experienced military sexual trauma, provided direct medical care or mortuary services, served as a member of an unmanned aerial vehicle crew that provided support to combat operations, or is a Vietnam-era veteran who accessed care at a Vet Center prior to January 2, 2013, served on active military duty in response to a national emergency/major disaster declared by the president, or are current or former Coast Guard members who participated in a drug interdiction operation.

Services

Individual, group, and family readjustment counseling are available to those who served in a combat theater and include treatment for post-traumatic stress disorder (PTSD). They help with other military-related problems that can affect functioning within family, work, school, and other areas of everyday life. They provide outreach, education, medical referral, homeless veteran services, employment, VA benefit referrals, and brokering of non-VA services as well. They also provide sexual trauma counseling to both genders and of any era of military service.

Bereavement Counseling for families of servicemembers who died while on active duty is also available. This includes federally-activated members of the National Guard and Reserve.

Vet Center Combat Call

The Vet Center also has a combat call center (877-WAR-VETS) that combat veterans and their families can call 24/7 to talk about their military experience and other issues they’re facing in readjusting to civilian life. The staff is made up of combat veterans from several eras and their family members. For more information, click here and then click on the tab labeled “Vet Center Call Center.”

Veteran Discounts

Many businesses offer veteran discounts year-round. Here the departments you can find a veteran discount in:

  • Automotive
  • Car rental
  • Clothing/Shoes
  • Computer/Electronics/Gaming
  • Education
  • Entertainment
  • Eyewear
  • Financial and Insurance
  • Fitness
  • Flowers/Gifts
  • Food
  • Health/Beauty
  • Home and Garden
  • Jewelry
  • Miscellaneous
  • Restaurants
  • Retail
  • Service
  • Shipping/Storage
  • Sporting Goods and Equipment
  • Travel and Lodging
  • Wireless and Internet

Some of the discounts are lower rates, and some are percentages off. The percentages range from as low as 5% to as high as 50% in some cases. Some involve bonus cash, and others are for complimentary admission. For a comprehensive list of these fantastic year-round deals, click here.

Of course, there are also special benefits offered to veterans for Memorial Day and Veteran’s Day, including travel discounts and higher percentages. Be sure to check those out, too!

Conclusion

As you see, there are nearly endless benefits to joining the US military. Expedited work training, a steady stream of income, college tuition, loan repayment, free or low-cost medical care, fantastic home loans, small business loans, free readjustment counseling, and numerous veteran discounts (not just a few days a year, but year-round) are just a few of the benefits of joining the military. Joining the military is a great way to get started on your adulting journey whilst enjoying what will benefit you for years to come

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How to Join the Military – Part 2: Armed Services Vocational Aptitude Battery (ASVAB) Test https://updated.stewartpublishing.com/how-to-join-the-military-part-2/ https://updated.stewartpublishing.com/how-to-join-the-military-part-2/#respond Sat, 14 Jan 2023 01:34:20 +0000 https://updated.stewartpublishing.com/?p=1372

In the first post on this topic, I talked about the options available for a dependent teenager or young adult to become independent and live on their own. The options I discussed were:

  • Getting an entry-level job
  • Going to college
  • Attending a certification program
  • Joining the US military
  • Starting a business
  • Some combination of the above

In the most recent post, I discussed the pre-qualifications required to enter the military. For many, the military is the fastest option to income, housing, training, and other benefits. The armed services are not for everyone, but are an option that requires serious consideration for anyone starting the transition to adulthood and independence. There are several branches of the military, which are:

  • Army and Army Reserve
  • Army National Guard
  • Coast Guard and Coast Guard Reserve
  • Navy and Navy Reserve
  • Marine Corps and Marine Corps Reserve
  • Air Force (including a new Space Force)

In today’s post, I will talk about how pre-qualified teens and young adults can begin taking steps to join the Army branch of the US military. We’ll discuss how to obtain marketable training for military jobs, and how to prepare for the ASVAB (Armed Services Vocational Aptitude Battery) test.

Take a Test to Join the Army

After speaking with a recruiter, the next step is to take the ASVAB test. This is a multiple-choice test designed to pinpoint your strengths, and identify which Military Occupational Specialty (MOS) or Army job best suits you. The final score from the ASVAB test is called the Armed Forces Qualification Test (AFQT) score.

The ASVAB is a series of tests that were developed by the US Department of Defense. This test is used by the US Army to determine whether you have the mental aptitude to enlist. It is required for enlistment and is valid for two years. The ASVAB may be given in a computerized format at a Military Entrance Processing station (MEPS) or in a paper version at Military Entrance Test (MET) sites around the country. This test may also be given at high schools and colleges. The ASVAB helps identify what MOS you will qualify to hold.

How You Score Determines Your Initial Opportunities and Job Placement

ASVAB scores range from 1-99, and in order to enlist in the Army, you must pass with a score of 31 or more. In order to qualify for enlistment bonuses, the score should be over 50. Each branch has a minimum AFQT score, but the minimum score will not qualify you for some of the better-paying jobs. Therefore, it is necessary to check the website for jobs you’re interested in training for and then search to see what is the minimum AFQT score required to qualify for that position.

You Can Study for the Test and Know the Score of the Job Position You Want to Apply For

The ASVAB consists of different subject areas or subtests. Since the purpose of this test is to determine placement and qualifications for certain jobs, you would be wise to study for it to ensure that your placement is beneficial to you. I strongly suggest that you study and take sample tests before you talk with a recruiter if you think that going into the military is a real possibility. Taking the test ahead of time grants you more opportunity to fine-tune your knowledge than taking the test without the necessary study. If you don’t score well on the practice tests, you can get help assessing your weak areas and study to improve your score. You can then retake the test until you’re confident that you can obtain the score you need. Once you’ve gotten a better score, you can sit down with a recruiter and take the real thing. As with everything in life, practice will improve your performance. Some of the websites that have free online courses to study and take practice tests for the ASVAB are:

www.asvabpracticetestonline.com

This website offers tests broken down into every ASVAB category. This website has a focus on providing sample test for you take with little study materials.  Therefore, this site will help you practice test taking but not offer a lot in terms of studying for the test.  The site has study guides for sale, but if you have limited funds, the focus here is test taking which is an important part of preparation.

www.asvabpracticetests.com

This website provides practice tests along with a study guide to help prepare you for the actual test. These online tests are offered completely free of charge and don’t require any kind of subscription or membership. The study guide is limited, but it is a good place to get started to determine: (1) how the test is structured, (2) the subjects being tested, (3) a discussion around minimum scores and (4) take sample tests to determine your current level of skill and where you need to improve.

uniontestprep.com/asvab/study-guide

This website provides study guides for each section of the ASVAB test.  This site also provide flash cards and other study aids.

asvab-prep.com/free-asvab-study-guide/

This website also provides study guides.

You can review these websites to see if they meet your needs, but the point is that courses can be found online (some of which are free) to help you study for the ASVAB and take practice tests. Also available online is the PiCAT (pre-screening, internet delivered adaptive test), which is an unproctored test that provides recruiters the ability to determine an applicant’s qualifications before sending them to a Military Entrance Test (MET) site. To learn more about how the PiCAT pretest can assist you, read the following article on military.com; https://www.military.com/join-armed-forces/picat-asvab-pretest-available-for-applicants.html

It is important to note that these free websites vary in content and I recommend doing an internet search for other websites to gather more information and find a website(s) where the student is free and comfortable.

Subtest Areas and Army Line Scores

Knowing the subtest areas and army line scores will enable you to better understand your ASVAB scores. The subtest areas are: assembling objects (AO), arithmetic reasoning (AR), electronics information (EI), general science (GS), word knowledge (WK), mathematics knowledge (MK), auto and shop information (AS), mechanical comprehension (MC), verbal expression (VE) and paragraph comprehension (PC).

  • AO: ability with spatial relationships
  • AR: the ability to solve basic arithmetic word problems
  • AS: knowledge of automotive maintenance and repair, and wood and metal shop practices
  • EI: knowledge of electrical current, circuits, devices, and electronic systems
  • GS: knowledge of life science, earth and space science, and physical science
  • MC: knowledge of principles of mechanical devices, structural support, and properties of materials
  • MK: knowledge of mathematical concepts and applications
  • PC: the ability to obtain information from written material
  • VE: the sum of PC and WK
  • WK: the ability to understand the meaning of words through synonyms

These subject areas are combined in order to describe different army line scores.   Sometimes ECL (English Comprehension Level) tests will be administered alongside the ASVAB as well, in order to determine that non-native speakers of English are qualified for certain jobs.

A specific job title will require skills in different areas.  Here are some examples of what I mean:

  • CL (Clerical): VE+AR+MK
  • CO (Combat): AR+CS+AS+MC
  • EL (Electronics): GS+AR+MK+EI
  • FA (Field Artillery): AR+CS+MK+MC
  • GM (General Maintenance): GS+AS+MK+EI
  • GT (General Technical): VE+AR
  • MM (Mechanical Maintenance): NO+AS+MC+EI
  • OF (Operators and Food): VE+NO+AS+MC
  • SC (Surveillance and Communications): VE+AR+AS+MC
  • ST (Skilled Technical): GS+VE+MK+MC

Below is a sample list of jobs with minimum ASVAB line scores.

MOS ARMY JOB TITLE Minimum ASVAB Line Scores
09C Trainee language AFQT 21-30, ECLT 40 – 74, AO:54
09L Interpreter/translator ECLT:50
09S U.S. Army commissioned officer candidate GT:110
09W Warrant officer candidate GT:110
11B Infantryman CO:87
11C Indirect fire infantryman CO:87
12B Combat engineer CO:87
12C Bridge crewmember CO:87
12D Driver/Motor Transport Operator GM:98 & GT:107 & ST:106
12K Plumber/Utilitiesman GM:88
12M Firefighter GM:88
12R Interior electrician EL:93
12T Technical engineer specialist ST:101
12Y Geospatial engineer GT:100 & ST:100
13B Cannon crewmember FA:93
13S Field artillery surveyor ST:95
13T Field artillery surveyor/meteorological crewmember EL:93
14Z Air defense artillery senior sergeant N/A
15E Unmanned aircraft systems repairer (UAS SYS REP) EL:93 &MM:104
15R AH-64 attack helicopter repairer MM:99
17C Cyber Operations Specialist GT:110 & ST112
25L Cable System Installer/Main 89:EL & SC:89
25M Multimedia Illustrator ST:95 & EL:95
25N NODAL Network System Operator EL:102 & SC:105
27D Paralegal specialist CL:105
31D Criminal investigation special agent ST:107 & GT:110
35M Human intelligence collector DLAB:107
46Q Public affairs specialist/journalist GT:107
46R Broadcast journalist GT:107
51C Acquisition, logistics & technology contracting NCO GT:110
56M Religious affairs specialist CL:90
68A Biomedical equipment specialist EL:107
68E Dental specialist ST:91
68F Physical therapy specialist ST:101 & GT:107
68M Nutrition care specialist OF:95
68T Animal care specialist ST:91
88K Watercraft operator MM:99
89B Ammunitions specialist ST:91
89D Explosive ordnance disposal specialist (EOD) GM:105
91C Utilities equipment repair/heating & air GM:98 or GM:88 & GT:83
91H Track vehicle repairer MM:87 & GT:85 or MM:92
92G Food service specialist OF:85
92M Mortuary affairs specialist GM:90
92R Parachute rigger GM:90 & CO:90
92S Shower, laundry & clothing repair specialist GM:84
94T Avenger system repair EL:98
94Y Integrated family of test equipment operator EL:107
97B Counterintelligence agent ST:105
98G Cryptologic linguist ST:95
98J Electronic intelligence interceptor/analyst ST:105

Let’s look at two of these to show the difference high test scores make:

Infantryman

To become an Infantryman, you need an ASVAB line score of 87 for combat. You must undergo 14 weeks of One Station Unit Training, which includes Basic Combat Training and Advanced Individual Training. The average salary for an Infantryman is $32,045 (close to the US average of 24,000 USD, especially considering the increased risk to life and limb). Infantrymen serve in the field to defend the country, working together to capture, destroy and deter enemy forces.

Counterintelligence Analyst

In order to become a counterintelligence analyst, you need an ASVAB line score of 101 for skilled technical. In order to become a counterintelligence agent, you must undergo 10 weeks of basic training and 18 weeks at the Counterintelligence Special Agent Course. The average salary for a Counterintelligence Analyst is over double that of Infantryman, at $66,935 a year. Counterintelligence Special Agents conduct investigations and collect and process physical evidence to identify and detect terrorist threats, and plan countermeasures to neutralize them.

If any of the above descriptions are of interest to you but aren’t hyperlinked, you can find the job descriptions on goarmy.com. I hope that you will find this wealth of information helpful to you as you make the transition from teenager into adulting. As you can see, there are many options available in the military beyond infantry, and the more specialized fields also pay better and have the advantage of more relative safety than being in the infantry would. If you choose to pursue a career in the military, I hope that you will take the time to study for the ASVAB and take practice tests. Doing so will ensure that you get the best possible placement.

A Noble Career Choice

Performing a search like the one above (between Infantryman and Counterintelligence Analyst) will give you a clearer picture of the vast differences in wages for those who get high ASVAB scores and those who get lower scores. As in all aspects of life, preparation is key, so do your part to give yourself the best chance. Comparing positions you’re interested in ahead of time and studying will give you a fantastic jumping-off point both in terms of a lifelong career and a higher salary. An added bonus is that those who have highly specialized jobs are further from the front line and less likely to suffer from PTSD after their time in the service. To acquire optimal placement, it boils down to knowing exactly what career you’re looking for, what ASVAB line scores are needed in order to qualify for the job, and studying hard to boost your scores. As I said, there are plenty of ASVAB testing websites available to you, so there is no reason you can’t gain the skills needed.

In summary, take the following steps.  First, determine which types of jobs you are in interested in pursuing by researching the military websites.  Second, determine the minimum ASVAB score required for you to obtain those jobs.  Third, study and take practice tests of the ASVAB examination, until you can obtain the required score.  Fourth, take the actual ASVAB exam once you can obtain the minimum required scores.  This is a similar process teens take when preparing for college admission tests.  Good Luck.

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How to join the Military – Part 1: Recruitment Prequalifications https://updated.stewartpublishing.com/how-to-join-the-military-part-1-recruitment-prequalifications/ https://updated.stewartpublishing.com/how-to-join-the-military-part-1-recruitment-prequalifications/#respond Sun, 04 Apr 2021 01:35:46 +0000 https://updated.stewartpublishing.com/?p=1375

Things for a teenager or young adult to think about when considering whether the military is the right option for independence

In my last post, I talked about the options available for a dependent teenager or young adult to become independent and live on their own.  The options I discussed were:

  • Getting an entry-level job
  • Going to College
  • Attending a Certification Program
  • Joining the Military
  • Starting a business
  • Some combination of the above

In this post I want to discuss the military, because for many it is the fastest option to income, housing, training, and other benefits.  The military is not for everyone, but it is an option that requires serious consideration for anyone starting the transition to adulthood and independence.  There are several branches of the military which are:

  • Army and Army Reserve
  • Army National Guard
  • Coast Guard and Coast Guard Reserve
  • Navy and Navy Reserve
  • Marines Corps and Marine Corps Reserve
  • Air Force (including a new Space Force)

In general, the military’s function is to defend the United States and its interest globally.  At its core, if you join the military you are signing up to become a soldier.  As a soldier you may be required to fight and die for American interests.  However, not all soldiers provide the same kind support in the military.  Just as important, in terms of planning your future, not all soldiers are equally at risk in terms of being a causality of war.

In the Army for example, some soldiers are in the infantry and your job is to fight an enemy in one form or another.  Here is a definition of an Infantryman from GoArmy.com, “As an infantry Soldier, you’ll serve in the field, working to defend our country against any threats on the ground.  You’ll capture, destroy, and deter enemy forces, assist in reconnaissance, and help mobilize troops and weaponry to support the mission as the ground combat forces.”  An honorable job, no doubt, but these are the individuals that leave the military service with missing limbs and suffering from post-traumatic stress disorder (PTSD).

However, there are other soldiers that are paralegals, attorneys, financial managers, nurses, accountants, computer programmers, procurement officers and performing hundreds of other important non-combat support positions.  Although anyone can be deployed, injured or killed in the military, your risk as a non-combat support soldier of sustaining life changing injuries is significantly less outside of the infantry.  Unless you have a strong desire to become a fighting warrior, your job in evaluating the military is to seek training in a field that you can use in the job market or as an entrepreneur after your military service plus enjoy all the benefits provided to veterans that will allow you to create and maintain your independence as an adult.

 


Prequalifications:

The military has some basic qualifications that those seeking to join must meet.  It is important that you go to the website for the branches you are interested in evaluating.  Each branch has an official website that you can search in addition to talking to someone at the recruiter’s office or someone you may know in the military.

I am going to use the Army as an example for Prequalifications.  Since, I am using the Army as an example for this article, I want to inform you there are numerous websites with information regarding the U.S. Army, however, the primary websites you can research are:

In order to join the Army a person must meet these basic requirements:

  1. Must be a U.S. Citizen, U.S. National or Have a Green Card
  2. Must be between 17 and 34 years of age
  3. Must NOT have been convicted of a Felony or Domestic Abuse
  4. Must have a high school diploma or GED
  5. Must be in fair physical condition
  6. Must NOT have any tattoos that are offensive, visible above the neckline or below the wrist line. Must NOT have any willful body mutilations
  7. Must NOT be a single parent

 


Prequalification Number 1

  • In general, being a U.S. Citizen means: (1) a person was born in the U.S., (2) born to U.S. citizens (your parents) or (3) became a U.S. citizen through the naturalization process.
  • In general, a U.S. National means a person was born in places known as outlying possessions of the U.S., such as (1) American Samoa Island, and (2) Swains Island.
  • According to the U.S. Citizenship and Immigration Services, having a Permanent Resident Card (Green Card) allows the person to live and work permanently in the U.S.
  • A person seeking to join the Army must fall into one of the three (3) categories above to join the Army.

 


Prequalification Number 2

 Age Range

Since this article is about teenagers and young adults the age range of 17 through 34 is sufficient enough in range to cover those individuals moving from independent youth to independent adults.

 


Prequalification Number 3

In general, being convicted of a felony or domestic abuse will preclude a young adult from joining the Army and in most cases the military in general.

Convicted Felon:

The federal government and every state have created categories for different types of crimes.  A felony is considered a more serious crime, whether or not violence was used, the person has been convicted of other crimes in the past, or the legislature considers the activity or behavior involved deserving of more serious punishment.  If a young person has been convicted of a felony, he or she is barred from entering the Army.  I believe this is true for all branches of the military, but I have not researched the other breaches. So, if you have a felony conviction and are still interested, go the website for the other branches and talk to a recruiter.  Most institutions have a habit of making exceptions for individuals for various reasons. So, it does not hurt to talk to a recruiter if you are a convicted felon, but still interested in joining the military.

Domestic Abuse:

The term “domestic abuse” is used on the Army website.  I have seen domestic abuse and domestic violence used almost interchangeably in my research for this article.  What constitutes domestic abuse may vary from state to state and under federal law.

In an article entitled, “Domestic Violence / Domestic Abuse Definitions and Relationships”, dated June 13, 2019 on the website ncsl.org (National Conference of State Legislatures), it states, “States vary in their domestic violence provisions. Approximately 38 states place domestic violence definitions and penalties within the criminal code and nearly every state provides a definition within the domestic relations or social services codes. Within this variance are broad definitions that may include stalking, harassment and, in some instances, nonphysical abuse including intimidation and emotional abuse.”  The article also provides a 50-state table of the state statute, definition of Domestic Abuse/Violence and what relationships are involved for these crimes.  Here is a link for anyone reading this article that may want to do further research in this area.  https://www.ncsl.org/research/human-services/domestic-violence-domestic-abuse-definitions-and-relationships.aspx

If you have been convicted of domestic abuse or have been charged with domestic abuse or violence, you should talk to a military recruiter and discuss your situation to see if there is an opportunity to join the service given your specific circumstances and other factors in your background that the military will take in to consideration in reviewing your application for service.

 


Prequalification Number 4

High School Degree or GED

The Army requires a high school degree.  If you did not finish high school, you have 2 options to overcome this obstacle, either:

  • Attend an online high school to obtain a degree, or
  • Study and take the General Educational Development (GED) Test.

Don’t let not having a high school degree or GED stop you from creating the life you want for yourself, whether you want to join the military or pursue some other option to become independent.  In this article, I am going to focus on the GED option.  The good thing about the GED is that there are numerous free websites that will let you study for the examination and take practice tests before you take the actual examination.  Taking practice tests will give you an opportunity to get accustomed to the test format, discover and improve your weaknesses and build your confidence in actually taking the examination.

Go to www.ged.com to research the process.  This website is the official website for the GED exam, but more importantly, it provides the following research to an interested test taker:

  • A breakdown of the 4 subjects that are contained in the test, which are:
    • Mathematical Reasoning
    • Reasoning through language arts
    • Social Studies
    • Science
  • It provides various study options:
    • Online classes
    • Interactive Practice Questions
  • Practice Tests are provided
  • Online GED Testing is available for those who qualify

You can sign up for a free account so you can look at all the available options and see what materials have a cost associated with them.  The GED Testing Service also has a YouTube channel with videos on the subject.  Here is the link:  www.youtube.com/GEDTestingService

This is not the only website that provides GED test study preparation materials and practice tests, so you can investigate other sites.  Search the phrase “GED Test Preparation.”  If you need a GED, there is a tremendous amount of readily available information you can access to prepare and successfully obtain your GED.

 


Prequalification Number 5

Physical Fitness

In order to join the Army a person must pass the Army Physical Fitness Test (APFT).  There is a calculator on the Army website where you enter your gender and age and it will tell you how many Push-ups, Sit-Ups and the time in which you must complete a 2-mile run.  For example, a 19-year-old male, in basic training must complete 35 Push-ups, 47 Sit-ups in 2 minutes, and run 2 miles within 16.26 minutes.  The Calculator is at this link:

https://www.goarmy.com/soldier-life/fitness-and-nutrition/exercise.html

You can use the calculator to determine the minimum physical standard you must meet and test yourself to see if you can meet this standard.  If you need to improve your strength and stamina to join, there is a training manual, in pdf format, you can download from the Army website to help you prepare for basic training.  You can download that training manual at the bottom of the follow page:

https://www.goarmy.com/downloads/physical-training-guide.html

Make getting in shape part of your overall preparation to successfully apply and enter the service.

Prequalification Number 6

Tattoos

Today tattoos are very popular and many teenagers and young adults have tattoos, so the Army has not precluded body art.  However, there are some restrictions regarding your tats.  You must not have visible tattoos above the neckline or below the wrist, in other words, a long sleeve shirt should cover up all your tattoos.  Further, you must not have offensive tattoos on your body.  What constitutes offensive is subjective, so you need to talk to or visit a recruiter if you think any of your tattoos are suspect.

However, for some context, below is an excerpt from the Army’s AR 670-1: 3-3. Army Tattoo Policy:

“Tattoos and brands are permanent markings that are difficult to reverse (in terms of financial cost, discomfort, and effectiveness of removal techniques).

The following types of tattoos or brands are prejudicial to good order and discipline and are, therefore, prohibited anywhere on a Soldier’s body:

  1. Extremist. Extremist tattoos or brands are those affiliated with, depicting, or symbolizing extremist philosophies, organizations, or activities. Extremist philosophies, organizations, and activities are those which advocate racial, gender, or ethnic hatred or intolerance; advocate, create, or engage in illegal discrimination based on race, color, gender, ethnicity, religion, or national origin; or advocate violence or other unlawful means of depriving individual rights under the U.S. Constitution, and Federal or State law (see AR 600–20).
  2. Indecent. Indecent tattoos or brands are those that are grossly offensive to modesty, decency, propriety, or professionalism.
  3. Sexist. Sexist tattoos or brands are those that advocate a philosophy that degrades or demeans a person based on gender.
  4. Racist. Racist tattoos or brands are those that advocate a philosophy that degrades or demeans a person based on race, ethnicity, or national origin.

c. Tattoos or brands, regardless of subject matter, are prohibited on the head, face (except for permanent makeup, as provided in paragraph 3–2b(2)), neck (anything above the t-shirt neckline to include on/inside the eyelids, mouth, and ears), wrists, and hands, except Soldiers may have one ring tattoo on each hand, below the joint of the bottom segment (portion closest to the palm) of the finger. Accessing applicants must adhere to this same policy.”

Willful Body Manipulations

The information on the website merely asks, “Do you have any willful body mutilations?”  It is not clear what that means.  However, under the same section of Army AR 670-1: 3-3. Army Tattoo Policy, it states in sub-section (j):

“Soldiers are prohibited from any unauthorized form of body mutilation, which is the willful mutilation of the body or any body parts in any manner. This prohibition does not include authorized medical alterations performed at a medical treatment facility or cosmetic, reconstructive, or plastic surgery procedures the commander normally approves.

Examples of unauthorized body mutilation include, but are not limited to, tongue bifurcation (splitting of the tongue), ear gauging (enlarged holes in the lobe of the ear that are greater than 1.6mm), unnatural shaping of teeth, ear pointing (or elfing), scarification (cutting to create intentional scarring), or body modifications for the purpose of suspension (hanging by body hooks).”

If a person has any tattoo(s) or willful body manipulation(s) that is suspect of not meeting these requirements, you should talk a military recruiter.

 

 


Prequalification Number 7

Being Single Parent

Being a single parent will disqualify a person from entry into the Army.  It is an issue of who is taking care of your kid(s), if you are in the service or if you are deployed to another location.  It is also an issue of the soldier being ready for deployment when required.  In my research to better understand this requirement, I found an article entitled, Children of Military Couples and Military Single Parents written by Rod Powers dated November 7, 2019.  The article gave the following background regarding this rule:

“What happens to children of single-parent military members, or the children of dual-couple military members when they are deployed?

Military members who are single parents and dual-military couples may need to ask family and friends to be guardians or take on dual custody of their children if both parents are deployed at the same time.  When the services got orders from the President to begin deploying active-duty military members to the Gulf for DESERT SHIELD and activating National Guard and Reserve members, they got an unexpected surprise — hundreds of single-parents and dual-military couples with children were not ready to go. They had no plans for the care of their children. This caused a lot of rescheduling and juggling of deployment plans.

As a result, the Department of Defense (DOD) got tough. In July of 1992, DOD published DOD Instruction 1342.19, Family Care Plans, to standardize the requirements for all of the military services. Additionally, the military services stopped accepting single-parents for enlistment in the military.”  

From the military’s perspective single parent soldiers are not as flexible when they are needed for deployment and the military has decided to avoid this issue by not allowing single parents in the Army.  However, from a teenager or young adult perspective, he/she may see the military as an opportunity to create a better life for his/her and children.  My suggestion is if a person is in this situation, talk to a military recruiter and if applicable, provide written proof that you have a guardian for your kid(s) in case of deployment.  Some individuals will have parents or family members who are willing to assist with childcare while the person is in the military.  You have nothing to lose if you attempt to negotiate this issue since you are already preemptively precluded from service.

 

 


Summary

The above seven (7) Prequalifications are not an issue for many people.  However, an individual seeking this path, needs to know the requirements, and for those who may have 1 or more obstacles, you need to begin the evaluate how to overcome obstacles you face.  You will use this same method of research, evaluate, overcome obstacles and execute the plan with all the paths you will look at now and in the future.

Below is a list of military websites you can visit and research to evaluate whether military service is the best first step for you as you seek personal and financial independence.

In Part 2 of this series, I will discuss obtaining marketable training, military jobs, and preparing and taking the Armed Services Vocational Aptitude Battery (ASVAB) Test.  Please get accustomed to test-taking, because, for many people, it just does not stop.

In order to assist those in researching the Prequalifications I have discussed above; I have created a Military Prequalification Assessment Guide in pdf format.  You can use this tool on your desktop, laptop, tablet, or mobile device.  You fill in the blanks and tick the boxes.  You can use this tool for each branch of the military you research.  You can print out the results or save them to your hard drive.  You only need a free Abode Acrobat Reader to use this tool.  Just click the link below, follow the instructions, and download a free version of the tool.

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How do you help a teenager become an independent adult? https://updated.stewartpublishing.com/how-do-you-help-a-teenager-become-an-independent-adult/ https://updated.stewartpublishing.com/how-do-you-help-a-teenager-become-an-independent-adult/#respond Sun, 14 Feb 2021 01:43:20 +0000 https://updated.stewartpublishing.com/?p=1380

Life has many challenging stages we must navigate.  Growing from teenager to adult is a difficult experience for many. You want your teen to become a responsible, thinking and independent person.  Most envision a young adult that can manage his/her own affairs and contribute to the care of family, friends and community.

For many this is a painful transition as the teen moves from being dependent on the parent(s) or guardian(s) for survival, well-being and guidance.  And there are teens who don’t have parents or guardians to serve this role.  Teens must consider the options available for adulthood and moving out on their own, which is a significant part of that journey.

Most parents want to see their teen travel on a smooth path into adulthood.  Most teens want to become independent and successful adults.  However, many teens have difficulty making this change from dependent teen to independent adult.

For the average teen the typical options for becoming an adult and living independently include:

  • Getting an entry level job
  • Going to College
  • Attending a Certification Program
  • Joining the Military
  • Starting a business
  • Some combination of the above

At a minimum you want your teen as an adult to find a job or career to earn an income, which is a financial necessity.  However, many parents want their teen to find a career or endeavor that is interesting, even inspiring, and gives the young person a sense of purpose.  You want your teen to become a functioning member of the community in which he/she lives and works.  Who knows, maybe your teen, or one you mentor, might solve a problem facing our society.

There are other life and social skills that your teen needs in order to become and maintain independence, such as:

  • Managing their finances
  • Finding a place to live
  • Taking care of their own physical, mental, and emotional health
  • Building positive relationships and associations
  • Managing problems and setback

Most of these issues we all have to manage our entire lives as life circumstances change.  Humans are creatures of habit. Good habits can promote independence and bad habits can undermine it.

Independence is like everything else in life, you can gain something but you will lose it if you don’t work to maintain it.

The challenge is in the details.  Every family and its members is unique, although this concern over the need to create an independent situation for oneself is universal.  So how can you help a teen whether your child or someone you care about?

If a teen does not have an idea for his/her next move after high school graduation, then you need to talk to your teen about the options available to becoming an independent adult.  If your teen dropped out of high school, then he/she must consider taking the General Educational Development (GED) exam to obtain a high school equivalency credential.   That would put him/her in a position to take advantage of some of the options I listed earlier.

Many parents have plans for their teen’s future.  If your teen is amenable to your plans and cooperating with you, then you have gotten over one hurdle.  But if your teen is resistant to your plans or you are waiting for your teen to make some decisions, then one question is, “How can you assist them in making some decisions about their next steps towards adulthood?”

Within my circle of family and friends I have personally witnessed a number of teenagers and young adults get kicked out of the house by their parents.  This is a painful situation to witness and it is traumatic for the both parent and teen.  We can say that is an example of an unsuccessful transition, at least initially.

One thing I have observed is that parents with the greatest intentions have limitations, whether it is time, money, knowledge, or skills.  Many households only have one parent and given the other limitations, trying to give your teen(s) some direction while trying to maintain or upgrade your own living situation can be overwhelming.  However, the choices for a teen are basically the options I discussed early.  Teens have to know their options and then be provided the means to pursue a path.

What do you think are some of the major reasons a teen is unable to successfully become an independent adult?  How do you think teens can overcome these obstacles?

Monty

www.stewartpublishing.com

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Is Your Teenager on the Path to Becoming an Adult? https://updated.stewartpublishing.com/is-your-teenager-on-the-path-to-becoming-an-adult/ https://updated.stewartpublishing.com/is-your-teenager-on-the-path-to-becoming-an-adult/#respond Tue, 30 Oct 2018 01:48:20 +0000 https://updated.stewartpublishing.com/?p=1385

Like most of you I have teenage family members who appear lost when it comes to their future.  I also have friends who have children, between the ages of 15 and 30 years old, who are unclear on the concept that at some point they will have to move out on their own.

Teenagers and young adults living at home must pay attention to the changes taking place and find a way to make the transition into adulthood.  If not, they will find themselves in constant turmoil with their parents.  This can lead to getting kicked out of the house, needless struggle and/or becoming homeless.

I went through this struggle myself when I was a teenager attending Thornton Community College and still living with my parents.  I left home after having an argument with my father and stayed with a friend and then relatives for 7 months.  I was able to find some stability when I was accepted into DePaul University and moved into the Clifford Hall dormitory in Lincoln Park.

That was a difficult time for me and in retrospect for my parents.  I was not sure about my future and my parents were worried about me.  So when I see family members and friends fighting with their children, whether teenagers or young adults, it brings back some unpleasant memories.

We all know where this story is going, at some point these young people will have to leave their parent’s home and move out on their own.  At some point they will have to learn how to become self-sufficient.  That does not mean that they navigate the world by themselves.  It does mean that they acquires marketable skills and develop the determination to become independent.  With this independence, they can support themselves.  Plus their family, friends and community can rely upon them to contribute to the greater whole when required.

I have been asking myself, what could help parents and their children in this process of preparing to leave home.  What type of books, tools and programs are available to make this task easier or more organized?  I would like to see more resources that parents and their children can use as part of ongoing discussions to prepare for adulthood.

Some parents are more experienced and better prepared than others.  Many parents are just busy supporting the household.  I have written a book about this process of leaving home entitled, “How to Leave Your Parents’ Home and Live on Your Own: A Guide for Teenagers and Young Adults.”  I sold some copies and given copies to family, friends and co-workers.  A much repeated comment I hear is that, I will give a copy of the book to my kid to read.  That is a great start.

I think that it would help if the parent would take the time to read the book and then discuss the contents with their teenagers.  That way, it becomes a joint plan on how to help your kid become self-sufficient.  Some people need more help in doing things while others are more independent.  But if the parents read the book, they will understand the approach and content plus the parents can share their own experience in making this transition into adulthood.

My plan now within the immediate future is to give away the book for free because I think it has value and many will find it useful.  But I think more is required to make the book a more effective guide.  So I am working on a plan to create some other tools for those who want to more confidently make the transition into adulthood.  Stay tune.

Monty

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CAREGIVERS ON THE HOMEFRONT: Figure Out What Is Missing from Your Life, Maybe It’s People https://updated.stewartpublishing.com/caregivers-on-the-homefront-figure-out-what-is-missing-from-your-life-maybe-its-people/ https://updated.stewartpublishing.com/caregivers-on-the-homefront-figure-out-what-is-missing-from-your-life-maybe-its-people/#respond Thu, 24 May 2018 01:52:30 +0000 https://updated.stewartpublishing.com/?p=1388

For Family Caregivers of Patients with Alzheimer’s or other Dementia

This blog is based on my experience as a caretaker for my parent with dementia and the ideas I share in the book, Thirty Essential Tips to Start Managing the Alzheimer’s or Other Dementia, Your Parent, and Yourself. I hope you will find it useful.

People Who Need People

Once when I was in my twenties, had little money, and found myself stranded in the rain on a Chicago sidewalk, a lovely couple was kind enough to stop and offer me a ride to the library where I was headed. The couple—an older African-American man and woman—were obviously from the South and had that kind and charming way about them that only Southerners have. Unusually—possibly because I was drenched to the bone—I accepted the ride. During the ride, they talked about where they came from, how they couldn’t believe people would just leave me standing out there in the rain, and the woman ended with a rather prophetic question, she said: “You are too young and pretty to be running around this city by yourself. Where are your people?” I had never really thought about that much before. My people—my family and my friends—were actually where they always had been about 600 miles due East. They weren’t here in this big city to protect me or to comfort me, and I did miss them. That’s when I learned one very important lesson and here it is: Modern life is not easy. It’s not for the faint of heart and it’s definitely not for the solo act.

Life seems to work best when you have family and friends. I’m not talking about the onlookers in your life. I’m talking about the ones willing to dive in and get their hands dirty. These are the ones who can enjoy you at a movie and dinner, but who are also willing to sit by your side, even when it’s by your parent’s bedside. These are the people around you who know how to tell a joke when things get too tense, to offer a glass of wine when it’s time to celebrate, and a shoulder to cry on when it’s not (and not the other way around). People who will are not resentful about sitting on the bench when you’ve got a long couple of weeks of deadlines and a caretaker on vacation, and who are willing to jump in and be present for you when you have the time to be there for and with them. Whether these people are friends who are also relatives, friends whom you’ve known since kindergarten, college buddies, or new arrivals in your friendship circle, these are “Your People.” And when you’re a caretaker, you cannot afford to be without them.

What You Need Now

Think of your life as a kind of bank account. Before you can have anything to give to others, you must have something already there, deposited. You must have something first before there is anything to withdraw. You probably already think this way. Remember that person you know who always wants things from you, the person who comes around and takes, takes, takes, but gives very little? That person leaves you feeling bad, feeling put-upon, feeling taken and drained of your resources. Well that is exactly the process you are executing with yourself. Unfortunately, as a caregiver your withdrawal needs are probably high. The caregiver you is taking, taking, taking: moments away from your rest or sleep, hours away from your social life, days away from your job to care for your parent. The regular you, however, is not putting anything back to offset what you are giving out. You are not sleeping late on the weekends to renew your level of rest and relaxation lost during work week. You are not giving yourself special days off with your parent in respite care so that you can just hang out, shop, go out with friends without worry. You are not asking your brother or sister to take mom to her next appointment so that you can remain at work and easily get your assignment done without the need for early days or late evenings. You are constantly withdrawing and never depositing anything into your own account. You need to make these deposits into your life, for yourself and for your parent.

Think about it, much of your angst as a caregiver probably comes from not enough input in your friendship column. You have a dearth of those others who can support you and your caregiver life. Maybe you’ve lost touch with some of your friends, so your friendship account is low. You need to keep making regular deposits to that account, that is you need to maintain and/or create new friends in order to keep the input and outflow somewhat even.

With a friend, after you visit your mom and she doesn’t recognize you, and your friend makes the kind of joke only a friend can get away with, in 5 minutes you are both rolling on the floor in laughter and you go to sleep replaying the moment in your head, giggling to yourself. Without a friend, you go to bed upset and spend an hour tearfully writing in your journal. Life with friends is better.

Reconnect with Old Friends

If it is people that you’re missing, if it’s those priceless jokes or those soothing at the end of the day chats with the ones who love you, warts and all, then maybe it’s just as close as your old phone book. Are there people who would welcome you with open arms no matter how many miles you’ve logged since your last visit with them? Then ring them up. Start slow and rebuild a rapport. Focus around the things you’ve enjoyed in the past, then begin incorporating things from your current—perhaps more grownup, if you were friends at an earlier stage—life. Who knows, you may have even more in common now.

Start slowly and listen. Listen to the sound your heart makes in your friend’s presence (phone or in-person). Listen for what is really being exchanged between the two of you. If you feel a sense of “No thanks; I no longer want to connect with you,” emanating from your old friend, then trust it, believe it, and respect it and this other person, enough to leave them alone, to let them be. In that same vein, trust the resounding: “Yes, I want more of this,” that comes your way too.

Part of listening to yourself is listening and showing respect for the “selves” around you. Friendships, like all things have a shelf-life. Maybe it has been too long, or maybe they have changed in ways that require other, different kinds of friendships, rather than the kind the two of you once shared. You actually might not really enjoy being with them now anymore than they would enjoy being with you. Do not spend a lot of time worrying about it. Just accept the “no’s” and move toward the “yes’s.”

Do not ask your old friend whether that is how they feel, because most people will not want to hurt your feelings by answering back honestly. Trust that you will sense when your overtures are welcome and when they are not. Analyze why these invitations may not be welcomed later, when the dust in your life has settled, not now. And under no circumstance should you feel guilty about not being able to be what someone else needs. Think of this situation, if it occurs, as just life’s guiding you on to where (and with whom) you need to be.

Make New Friends

If the possibility of old friends is out, then consider ways to make new friends. It won’t be the same as when you were a kid just starting school and sharing crayons, or a freshman at college, just happy for someone to walk into the dining hall with you. It won’t be that easy either. Still, you must be yourself. Don’t try to become an extrovert overnight if you’re not one now; introverts are quite nice people (read Gifts Differing or any Myers-Briggs publications). Don’t try to memorize great conversation starters—though if you’re rusty here, exercises like this can be good, in their place.

Why am I cautioning you? Because if you insist on joining someone else’s world rather than building your own, you risk adding the stress of being what others’ want to your life, rather than what you want. Just the opposite of what a caregiver, who may already be overly responsible, overly responsive, and stressed out, needs. You need joy in your life, not another person who needs for you to think of them first.

 

Instead, be yourself. Do the things you enjoy, and just wait for potential friends to present themselves to you. If you like yoga or have always wanted to try it, for instance, then sign up for a class. When you go, you will probably find that chatting with your classmates—and maybe meeting them and getting to know them better over juice and salads afterwards—will then be a natural off-shoot of an activity you enjoy. If yoga isn’t your thing, then maybe it will be volunteering for some cause that moves you. Alzheimer’s and Dementia organizations need you. Cancer organizations need you. There are thousands of other organizations that could use your active help and support. Remember, just the act of participating in an organization that supports and advocates for a particular calling, cause, or effort that you believe in puts you in touch with those others who share, at least to some degree, that belief. You may find that they also share other beliefs with you. Take the time to find out over coffee afterward, or shared time working on committees with those your find interesting.

No matter what your activity is if you enjoy it, then you will have added something to your life that is not only giving to you, but that is also filling up that deposit column you have. Not only that, but any friends you meet or friendships you begin to build will be part of your world, not a forced insertion of yourself into someone else’s world or into a place that no longer fits. You need people. Yes, but make sure they’re your people.

In that same vein, trust the resounding, “Yes, I want more of this,” that comes your way too. Let them know you feel the same by asking them to join you and start finding out who they are now.

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