Moving out! :)

[Viceroy]

Yup, I'm finally making the big move, I figured I have lived with my rents long enough (21 years) and it's time to go solo.

I have always had it soooooooooooooo good at home. I mean, my Mom still does my laundry, she won't let me do it because I'll make a mess of her area...hehe. She makes amazing meals every night, I don't have to pay rent and I come and go as I please.

But lately, being out on my own has become more and more appealing, and finally financially possible. I can finally say that I would rather pay rent, eat shitty and do my own laundry rather than having it all given to me.

I was wondering if anyone could give me advice on renters insurance, is it worth it? Does anyone have any experiences with it?

I am just soooo exited I had to share. I'm really looking forward to the first morning I can wake up, go out into my living room, rip a bong and then spin banging loud for however long I want!



Peace,
Steve

 

[Cheeka]

I have it... I think its totally worth it.
It costs me very little (I don't know how much b/c I have it with my car insurance - but less then $20...)
definitely worth the security

 

[mingster]

Congrats!
I've been thinking about taking that leap myself lately.
I have the same situation as you...home is perfect.
Expect that I have to share it with parents.

Ming.

 

[Viceroy]

Ming, you'll know for sure when you want to leave. Up until recently I have always been fine with turning the music down, or not being able to have peeps over to my place to drink, hang out, etc.

For instance, last night I came home from spinning in downtown b-lo. My brother had driven home seperately, and turns out he had to pull over for a friend to yonk, thus he got home 30 minutes later than me. My Mom knocks on my door when I got home, after she woke up hearing me come in. "where is your brother?"

I DON'T KNOW! GO TO BED!

I love her, but it's time we part. I told her though, I still expect daily care packages

peace,
steve

 

[juice]

What insurance agency is it through? I'll need to get some apartment insurance in the very very near future. Or can anyone else recommend someone else out there that is cheap? I don't have that much stuff at all, but the peace of mind is totally worth it to me.

 

[Cheeka]

I have CAA Insurance

and that gives me $40,000 in coverage

 

[juice]

Ah I know what you mean. I'm at home now too and have it pretty well since I live with my mom and she is always away on business. But when she is back I feel tied down sort of, and I'm even paying rent, although it is a pretty small amount that should still count for something in terms of freedom and household respect.

She'll nag me about things, walk in on me (the girl I'm with now didn't appreciate it that much). I'm very financially stable now so it is time to get on out.

Oh here's another question, what percentage of your take home pay do you pay in rent?

 

[Viceroy]

I am not sure what my take home pay is going to be yet. I finally was able to get a server position at my job. My first day was yesterday and went very well I am going to be serving lunches m-f in the summer, and then bus nights when I want too.

So with tips being so spontaneous and varying I am not sure what to expect as my weekly income.

My rent is only going to be $200 a month, plus electric and gas. The best part about all of this is that my best bud and I will be in the upper, and downstairs will be two other good friends. So there is no worries about being to loud. Also, our landlord is one of my friends from downstairs' boss. He is a total party guy and won't ever give us a problem.

Hehe, your Mom walked in on you eh?...that sucks. One major reason why I'm moving out is because my Mom won't even let me have girls in my room to watch a flick or something. I mean COME ON Mom, do you actually think I would be romping a girl if you were home!..please!

Peace,
Steve

 

[Subsonic Chronic]

Congrats Steve!

And $200 a month sure ain't bad for rent!

Pete

 

[Rocky]

Originally posted by Viceroy
Yup, I'm finally making the big move, I figured I have lived with my rents long enough (21 years) and it's time to go solo.

I have always had it soooooooooooooo good at home. I mean, my Mom still does my laundry, she won't let me do it because I'll make a mess of her area...hehe. She makes amazing meals every night, I don't have to pay rent and I come and go as I please.

nooo!!! stay at home. that's what i tell all my friends. you have the rest of your life to pay for rent or a mortgage. i've been on my own since i was 17 (i'm now almost 25). if i had been able to stay at home for the past 7 years, i would have been about $40, 000 richer. so, i say to you...stay at home for as long as you are welcome. milk it for as long as you can. save your money.

 

[mcbee]

get renters insurance DEFINATLEY.


you never know what can happen. my boyfriend's apartment burnt down and one of his roommates didn't have insurance and she lost everything.

~20$ a month. no big deal to be safe!!

best of luck living on your own! (its the best!)

sarah

 

[juice]

Yeah I'm looking at forking out about $1200-$1400 a month, hell I'm paying $500 a month now at home. I was going to wait till I'm finished University but I really can't wait much longer so when I get back from vacation I'm gone.

My mom might have a problem with me bringing people home, I mean she hasn't said anything about it though. But just knowing that your mom is down the hall and can probably hear what's going on puts a damper on things. Also the morning after shouldn't have to be weird, I mean when I stay at my gf's place it's fine (she lives alone) we wake up make a nice breakfast or whatever. But at my house it's like ok let's just get out of here in the morning without making eye contact if possible with my mom.

 

[Viceroy]

Originally posted by juice
But at my house it's like ok let's just get out of here in the morning without making eye contact if possible with my mom.

Exactly!!!!!!!!!!!!

It's always a matter of trying to dodge the rents. I remember one time last summer after coming home from t.dot in a post-rave stuper. I was walking up to the door with my friend and my Mom opened the door to throw something in the garage just as I was walking in....uhhh....good morning. DOH!

Thanks Pete!!! Yea, $200 is not bad at all, especially with a washer/dryer and a garage to park my car in! Cha ching!

Rocky...I just feel like now is the time for me. I need to get out. I need to start having things like rent to help me structure my money situaiton, otherwise I just blow it on useless crap and never see any result of the money. At least now I will. Thanks for trying though!

Peace,
Steve

 

[Silverback]

Originally posted by Viceroy

Rocky...I just feel like now is the time for me. I need to get out. I need to start having things like rent to help me structure my money situaiton, otherwise I just blow it on useless crap and never see any result of the money. At least now I will. Thanks for trying though!

Can agree with that! I don't have to pay much at all living at home, I could save quite a bit of money but I end up spending a majority of it because I can. I'm on the prowl to move out myself, just have to find a place.

 

[Michkey]

Insurance

If you have auto insurance, talk to your broker, they may offer apt. insurance for around $15 (coverage for around $30,000)

Currently using ING @ $21.50 a month.

We have actually had to make a claim before when a bunch of stuff was stolen from a garage that we had use for storage for a month between apartments. Got about $1000 for $400 worth of stuff that we had at that point paid only around $45 in insurance for. Sweet.

Also, some landlords I have had have required $1,000,000 liability in a policy, which is generally included in the price. This was because of their own insurance policies.