Moving out soon. Think out loud with me regarding saving money vs. quality of life.

Aran
Mon, 05 Jan 2026 04:28:22 +0000

Hello all! My lease is up mid-March of this year. For personal mental health reasons I would like to secure a move-in date of around mid-February and perhaps even earlier than that, because I'd like to have things finalized before my ex starts her own moving out process. This is the first time I'll be apartment hunting on my own, and while I have definitely talked to many friends and mentors regarding my options, I figured I wouldn't mind getting thoughts from folks here.

I have a few hard requirements for personal reasons: I would ideally not be too far from groceries (I have a car), be able to go for walks/runs without having to drive to a specific place, not too far away from the main airport here as I have to fly for work very very occasionally or when visiting family, and central HVAC. I have, generally, two options to choose from:

1. The expensive option, 1500 base rent and estimated 300-400 for utilities/parking/etc. At this time I do not believe it possible or even worth looking for anything slightly cheaper than this - whether it's a studio or a 1bed, the cost is more or less the same in this area. And even if the location were less of a factor and I looked farther away from the main city / big hubs, at best we're looking at $100 cheaper and I don't think that is big enough savings given how inconvenient location is.

2. The budget option, estimated 700-800 with utilities included, 3 housemates. A friend is currently sharing a house that his family owns with two other housemates. I've never met said housemates but they are personal friends of his. All housemates are male, I am female. I would be getting a single master bedroom, attached bathroom. At this time I do not consider the... eyebrow-raising-ness? of being the sole woman to be a problematic factor.

Some of the factors I'm considering, that probably isn't comprehensive because I'm new to all this:

Living with housemates. I haven't had to share a house with so many people since my first year of college, which was 14 years ago. My ex did keep me honest over the last year of living together, and from a brief call with the friend who would be renting out the room, his housemates do keep to themselves, don't really use the kitchen, plenty of fridge space, etc.

Living alone. I actually haven't "lived alone" since the last semester before I dropped out of college. My roommate at the time was taking a leave of absence and I had the studio to myself for three months. I feel neutral about this.

Laundry? House has in unit laundry. No apartment I've looked at has in-unit laundry unless I add at least $200 on top of the base price.

WFH and personal space. I do work remotely and for my entire WFH life, I have always had my personal PC setup, bed, and work setup in the same room. This has been difficult for me in the last two months while recovering from the breakup, and moving into a 1bed apartment would allow me to have a dedicated work setup away from bed since I personally value that higher than a nice living room space (no television, no problem). Or I could even fit that work setup into a small but still cozy living room space, who knows. However...

MONEY. I've broken down all my fixed monthly costs, including any recurring annual subscriptions. I am estimating very, very high for absolutely everything, such as monthly grocery costs (400/mo, which is the highest that my ex and I split over the last 10 months. We're both very light eaters and "groceries" would include the occasional toiletries restock and such). Right now I am looking at taking home around $1300/mo living in my own apartment, vs. $2300/mo sharing the house.

Furnishing a new apartment, vs... not. Ex and I split all costs 50/50 for everything BUT furniture, and she paid for most items such as the sofa, coffee table, TV console, dining room table, ie. she will be taking those items with her. I do not want a large sofa but cozy seating in a living room space is, well, not cheap. The only furniture I'd bring with me is a decent Ikea shelf cabinet thing, my two standing desks, a single bookshelf, a twin bed. I would not be acquiring additional furniture if I move into the single bedroom.

Schooling costs. I don't know if I've gotten into this online degree program yet, won't know until probably April, and even if I do get in I am not sure if I will jump into it (though at this time I am leaning towards it just to have a guided path which I'm lacking right now with my career). This is an estimated 30k over the course of 2 years, or $625/mo. Not counting any potential textbooks.

Lasik/PRK? I have pretty poor eyesight. I have always been afraid of pulling the trigger on this, but I would like to in the next few years.

Current savings. I have a little over $20k in savings. I don't know anything about stocks, I have a 401k I never look at. My financial literacy boils down to "I use my credit card like a debit card" and my only current debt is a financed car, costs are factored into the numbers posted above.

Mental health? Monthly therapy costs are factored into my numbers. So is a $150/mo cost of classes at a local muay thai gym (picked up recently for sake of both physical and mental health, joining a community, a regular activity to take me out of the apartment).

What considerations am I missing from the above? What would you go for? I mentioned I have not lived on my own for a very long time, and to be honest I don't have concrete long-term financial goals. Obviously property ownership is like... the American Dream and whatever... but frankly I am so very far from being able to realize such a goal that it just is not a factor when it comes to me saving money. I just don't want to look back at myself in 2027 and regret my finances. My family is in another part of the state and I can't rely on them for money or housing... well, I actually can, for housing, and save even more money, but I vastly prefer the climate where I am at now and my mental health will suffer far more living with family than with 3 housemates.

I really appreciate any thoughts! I know I have time, there is no rush, but I am also aware that distracting myself with this has been pretty helpful with, you know, not being too depressed about circumstances.

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