Hello. I have recently been told by my father he wants me to move out. (I have time, however: he's not going to force me to sleep on the street by a certain date or anything.) For basic information, I am 18, don't have anyone to move with, own a cat, and own a car (fully owned: not making payments). My job will give me 2700USD per month.
I have heard that the rule for rent is that it shouldn't exceed 30% of your income, correct? Where I live, it is reasonable for me to find such a studio apartment. The cheapest ones go for around 550USD a month. I will not count on finding such a one available, but I believe I can say with good certainty that I can find one below 800 (the limit) with cat fee.
On another note, I tried to look it up, and I think what I hear is that water, electricity, and heating/cooling are included in the rent price for apartments usually. Is this true? I haven't factored in those expenses as a result of thinking this, so correct me if I'm wrong.
The matter I think I'm the most ignorant about is how to configure insurance for myself upon moving out. The job does not appear to offer any. I will need: health insurance, car insurance, and renters insurance, yes? For renters insurance, many of these complexes I look into require it, and also I'm worried that I'll get unlucky and move into a place that wants to scam me, placing me responsible for paying for replacement and repairs of things that were poor when I got there. For car insurance, god, I heard it is expensive for young people like me. For health insurance, I really don't think I want to go without it. Aside from the matter of seeing many people becoming destitute because they had the nerve to need emergency treatment or get sick, I take a few different medications for depression. I am not in therapy or anything else for it and don't intend to.
So, my questions regarding insurance are: What can I do to find the best insurance for me? How do I/can I take into consideration my current medications? And, I've heard a lot about getting all your insurance from a single company or bundling it. Is this beneficial? How would that work with trying to find something specific for me regarding health insurance? And I am assuming that I'll have to pay some out of pocket for the meds even with insurance.
Thank you for taking the time to read this!
Submitted November 21, 2019 at 06:50PM by UnauthorizedRosin https://ift.tt/37pO3eU
