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3 Things You Need to Budget for When You Move into Your First Apartment

Just a few years ago, I moved into my first apartment and I couldn’t believe how much stuff I needed to pay for to be able to live on my own for the first time. There were lots of things I hadn’t even thought about because I had just grown up taking them for granted. Needless to say, I severely under-estimated how much it would cost me to move into and set-up my first apartment.

Because I don’t want you to make the same mistake when you get ready to move into your first apartment, here are 3 things you need to make sure you budget for when you move into your first apartment.


Unless you are 100% a minimalist, you will need at least a few pieces of furniture in your first apartment. I was lucky in that my parents allowed me to take some furniture from their house when I moved into my first apartment, but I know that’s not the case for everyone.

There’s some furniture you can safely buy used, like a dining table and chairs, side tables, etc. but there are a few things you need to be wary of buying from a Craigslist stranger too. I would never buy a bed, couch, or other “soft” furniture from an unknown person. They could have bed bugs which are a pain in the butt and very expensive to get rid of. I did get my couch and a guest bed second-hand, but they were both from a family friend who I knew was clean and bed bug free.


Unless you don’t plan to cook, or you plan to go out to eat all the time, you will need at least some cookware. You probably don’t need anything expensive or top-of-the-line to start out with. You should look here for tefal product reviews to help you get started figuring out what kind of cookware you need and will use.

Something else to be aware of when buying cookware for your first apartment is the limited space in the kitchen. This means you should only buy practical things that can serve more than one purpose.

Utility Deposits

One major expense that I hadn’t planned on shelling out for was the deposit required by many utility providers. If you have never had utility accounts, have a limited (or bad) credit history, or are self-employed, you may be required to pay a deposit to open your utility accounts. Additionally, most utilities also charge a fee to get service hooked up the first time. This can add up quickly, so make sure you can afford these expenses.

Moving into your first apartment is an exciting event. It’s also a learning event, but if these tips can help you to be more prepared for what to expect expense-wise then I’ll have done my job. J

Did you encounter any unexpected expenses when you moved into your first apartment?

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Erin Thompson

Erin Thompson spent years managing her own blog about budgeting and debt. Because of that, she has great insights not only about managing spending and borrowing but also about running websites profitably. When she's not writing articles for us, she's traveling and looking for new types of wines to try.
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