Me and my boyfriend want to move out in a year. Can anyone give me a plan on saving money?
490841
quick smoking, drinking.\n\nput 20% of your earning into high yeild mutual funds -
652306
You should sit down with her and your boyfriend and decide what you are going to do. Paying her something is right, but you need to know what for, how much and how often. If you can't afford it you and your boyfriend need to decide if he will help. If he can't you need to look for a good job or move. Your boyfriend has to make a decision on whether or not you're worth the extra effort. If not you need to find a mate for your future.\nNext time don't move in until he pays out.\nThis answer is from a man.
799295
Well everyone needs to move out and get a place of there own.  Now would be a good age, 18-19.  But when you move over to your friends place, you need to pay your half of everything.  Rent, phone, eletcricity, ect.  If you don't your going to add a financial burden to your friend, plus you need to buy your own food and help around the house.  It's not as fun as you think, living on your own, because now you have to get a job, and start supporting yourself.  Good luck.
331423
My first question is if you two are together and have a kid then why are you making seperate plans?  You need to figure out if you're staying together or not, first off.  Then you can think about other things, like moving.  Also, if there is s baby involved, it's probably better that you don't have roomates other than the two of you.  It's also better to stay close to family if you have such a young baby.  It will help with babysitting and your child will have some sort of family around that way.  Do what's best for you and your child.  Don't worry about your BF because he doesn't understand that your child needs to come first.  Enjoy your little baby , take good care of him/her and good luck.
1062748
Serious question here, and lots of things to consider.  Let's see if we can sort through all this.\n\nFirst of all, you say you've been together for seven months.  I wonder how old you and he are.  The red flag that jumped out at me is that you are both still living at home.  These days, I know that can mean anything from 19-29.  But if you don't have a steady job (preferably a career and a vocation), if you don't have your own transportation, and if you don't have financial independence, marrying is not a good idea.  He also needs to have a steady job, a vehicle and financial independence.  \n\nThat you are having second thoughts is a good thing.  He sounds like he still has a ways to grow up if he's still trying to leave home.  You sound like you have a way to go yet toward financial independence if you are living at home too.  When you say that you want to have little flings and talk to other guys, though, this tells me you are not ready for marriage because your heart is not truly in it.  You need to keep dating and work on your education, your job skills and your life management skills.  All these things are coming along, but don't sound quite developed enough yet.\n\nAlso, you should never have to pressure someone to marry.  A marriage proposal should come out of the blue with no pressure at all.  That someone feels the need to pressure someone else says that there is a power struggle going on, and that's a very unhealthy way to start married life.  \n\nThere is such a word as divorce, because there are many, many "starter marriages".  No matter your religion or personal beliefs, 50% of marriages in the United States end in divorce.  And divorce is a hard but positive thing ultimately, because there is no point living miserably.  Divorce is hard to go through, but people survive it, and go on to thrive afterward.  Sometimes, even with the best of intentions, things just don't work out like we plan.  People grow apart, want different things, change and life throws us curveballs to boot.  \n\nEnjoy your single life for a while longer yet.  You may want to keep seeing your boyfriend, or you may want to re-evaluate the relationship and see if you want to stay with him or move on.  Don't be afraid to move on.  Be more afraid of getting into a rut or becoming too fearful that you'll never find someone else.  Nonsense!  With six BILLION people in the world, no worries about finding someone to date and/or marry ultimately.\n\nGood luck with this.  Cheers, K
754933
When you are not moving in for financial reasons of saving money.... Your moving in because you would like to start a life together...  Make sure you date for a year at least to make sure you can experience any red flags, ya know personality dis functions.
498567
Yearly take-home pay ~ $54.4K\nMonthly take-home ~ $4.5 K\nExpenses ~ $2 K <people never get this right so I double it>\nMonthly savings of $2.5 K.\n\nIf you can automatically have $ go from work directly into saving vehicles do so ... this will stop temptations.  You should pocket 40% for expenses & living <getting your date> ... and 60% savings.\n\n1.  Before you do anything else <except pay off all debt> ... Build up to $20K in Emergency Savings first <$2K * 12 = $24>.  I then tell myself I have no money when I deplete the account to $15 K. Then I change allocations, and make sure I always have this highly liquid stash. <T-Bills, CD's, Saving/Checking accounts ... safe & liquid>\n\n2.  Savings - After the safety account is established goals reached, then you need savings that are more risky but still liquid <make sure there are no penalties to get $$$>.  You can invest the money into bonds, mutual funds, or stocks ... what ever you are educated in and feel confident in.  This account is taxable so be mindful of that when you make investment decisions.  \n\n3.  Retirement - 401(k), SEP, ROTH, IRA ... See what you're company has for retirement.  If they match, then contribute what they match.  If no retirement is offered, then go to a broker and get their help.  You should be investing 10-20% of your savings here.\n\n4.  Housing - With only $1K in expenses I'm guessing you don't own a home.  I would look into buying a home <Loft, condo, town home> It's money well spent, and you can get great loans today <tomorrow the good loans will be gone>
339609
Agrees with above. The first move is to put 10% into savings. Ideally rent/mortgage payment should be no more of 1/3 of your household income. So that would leave you with about 55% of your income. That should be used for food and bills and the like. After all that is taken care of, then feel free to use it how you wish.
678480
Just have moderation in everything you do. Don't eat out, forgo movies and other entertainment you have to pay for, have a yard sale of your unwanted things, I knew a lady once who made $500 on a yard sale.  You'll have to get creative to save money on entertainment, but many communites have free concerts, or you can go for a walk in the part.  If it's possible, you and your partner can get a second, part-time job.  Or go to a temp agency and take some extra jobs that way.  Good Luck. \n\nP.S.- I know you want a house, just don't get in over your head and start of your new life back in debt.
173328
you tell him in straight forward manner. You expect rent, utility, and food money. If he disagrees, tell him that it is not your responsibility to take care of him. Treat him like an adult and be firm. If it gets to be two on one then its time to move yourself out.\n\nADDED\n\nif its your house then you can tell then its your way or the highway.
927877
How is it that we are supposed to know what your spending rates are for a year on these things?  Your telephone, cable, and internet should be very easy for you to arrive at.  Just look at your monthly bill.  Same with your utilities. Heating of course will vary with the seasons.  Food is possibly the most difficult to get a handle on.  I alway pay my food bill with my credit card. At the end of the month, I know exactly what I spent on food for the month. Don't forget eating out. You will probably be surprised how much you spend in that category.  And of course there is entertainment. For a single person, that will most likely be one of the major expense items.
1176193
It'd be tight, but definitely doable. I think the rule of thumb is one third of your monthly salary is suitable for rent.\n\nAssuming that your taxes aren't too high, you'd have enough each month to still put away $$$ for savings and retirement. Your biggest expense after rent would be your car payment, insurance and gas--see if there's some leeway there. Also, do you have to pay for your own health insurance? If yes, then you may have to put limits on things like going out to dinner, gym memberships, leisure activities, etc. \n\nHowever, if the apt is a place you can see yourself living in for a while, its worth tightening your belt for the first few years. Your salary should rise faster than your rent increases, so it may turn out to be a really good investment once you're making a lot more.\n\nGood luck!
778557
I won't rehash the advice given by the first two answerers as it is spot on.  \n\nJust make sure you two plan on being in the same area for a good amount of time.  How long have you been married?  Of course the only concern is you are both so young, and if your plans change or one of you decides to go to college, it could create a mess for you.  \n\nBut as long as everything remains stable, owning property is always a good thing.  I just bought my first house with my girlfriend and I was 26.  Just turned 27.  We had a great experience.  We bought a house that needed a little work.  Got a great deal and with a little cash and sweat equity it is in great shape now.  \n\nGood luck!
59265
Are you both moving there without any job offer?  If so, they would probably rent to you with a larger security deposit.  The best thing to do is call around and ask their requirements.  If they hesitate, then tell them you could pay for the first 6 months upfront.
338351
Dude, a year is a decent time to get to know your future wife - (you know that new car smell, that's what it is now) \nthe worst mistake lot of couples make is not cohabiting - that's when you find out for certain if you can exist and live peacefully under one roof.\n\nTake your time do not let anyone rush you into setting the date - have certain priorities and work things out with your woman on serious issues - like housing, investing, having children - marriage is like getting into a business (the love is never eternal) you want to keep your store open for a long time without filing for bankruptcy - plan.\n\nWhen the new car smell dies - decide whether to trade or you gonna maintain it.
568709
As a rule of thumb: take your expenses per year and multiply by 20.\n\nFor example, if your total expenses per year are $30K (rent, food, car, taxes, medical etc...), you will need $600K.\n\nSounds like a lot ? You need to (1) start saving immediately (2) reduce your expenses and lifestyle, for example, drive a small car, find a cheap place to retire...
10744
Wow, I just discovered that I want to do the same and I  have no steady income and two school age children, My plan is to slowly save money (his money) and then move on.  It will not be easy but I have faith that the misery of it all will pass and you and I will be fine. Life is about change and as my famous artis Anita Baker once said in "I'd rather lose you than to lose my mind."  Good luck