How To Move Out At 18 With No Money

father helping son move out at 18 after he made some money

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Throughout your life, you may have to move homes a few times before finding the one where you will settle down.

However, this might be a bit more of a challenge when you need to do it when you're not prepared.

One of the biggest moves in a person's life is the transition into adulthood, where many decide to move out of their parent's house.

With this comes a great sense of independence, but before you can get there, you first need to consider a few things.

Whether you're moving across town or to a different state, you should always plan your steps ahead of time.

In this comprehensive guide, you'll learn everything you need to know to answer the question: How to move out at 18 with no money?

Develop Skills that You Can Make Money From

The first thing you need to get ready before the big move is to develop skills that you can use to create cash flow.

Hopefully, you'll already have some job experience at this point.

But aside from having a full-time job, some young adults also invest in themselves, where learning skills has proven to be the easiest way to make money.

You can learn a lot of skills without going to college, in case college isn't affordable or simply not an option. There are plenty of educational materials that you can get from various websites, such as:

There's also Skillshare.

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You can also consider Udemy.

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With so many choices to get free or affordable online classes, anyone can have the chance to boost both their knowledge and skills.

Many courses will also provide a certificate that you can print or even place in your resume, which can help to highlight the skills you learned for your potential employers.

This is a great way to earn extra cash, even if you only work on a part-time or even freelance basis.

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Be Ready to Make Sacrifices When You Move

While it may sound hard, this tip is one of the most important ones to learn — moving out at 18 years old without money requires a lot of sacrifices.

Think of all the things that could cost you too much to maintain in the long run, such as:

  • Netflix
  • Spotify
  • Youtube Premium
  • Eating out frequently
  • Buying fancy clothes

Giving up a few luxuries will help you in the long run, so be sure to analyze every aspect of your life and check on what you can trim to help you save.

Doing this will help set you up for success.

Once you’ve settled in after a few months, then you can reassess your needs and see if you can bring back your subscriptions.

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Educate Yourself on Living Frugally

Retailers often offer discounts, sales, coupons, and price cuts so that you can save money on everyday purchases.

This gives you the opportunity to save money by keeping up with when stores offer sales or finding online apps that offer cash back and coupons.

Saving on grocery purchases using the app Ibotta.

Getting money back on everyday shopping using Swagbucks.

Finding lower costs for services you might already have. The app Trim can help you negotiate your bills for common services like cable, internet, and phone.

Find a Job to Cover Basic Expenses

Finding a job will set you up for independence. At 18, you have an advantage that you have more jobs available to you than you did when you were a minor.

Getting a job early on will help you save money and get you started on the right foot.

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Even if you don’t have a degree yet but are looking to get a job, there are many jobs that pay well even if you don’t have a degree. Make sure to research your options so you can take a pick between the jobs that can make you the money you need for the lifestyle you want to live.

Consider a Side Hustle

Having a side hustle at 18 is a great way to add streams of income before you even move out of your parents’ house, and it doesn’t have to be anything too difficult.

You can use your earnings from your other jobs to cover your bills or to add more cash into your savings account. However, be careful not to take up too many jobs as that may burn you out.

Between work and/or going to school, you can use your leftover time to get online and see what kind of jobs you can do for a few hours a day or even a few hours a week.

Here are a few options for you to look into so that you can get ideas for making extra money every month:

  • Start a blog or do freelance writing: If you want to have the flexibility of working, going to school, and making extra money on the side, you can look into blogging. Simply choose a topic that you love and are knowledgeable on and use it to either create your own blog in which you can monetize, or become a ghostwriter and charge others to write blog posts for them.

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  • Work as a Food Delivery Driver: If you want to spend your free time earning money, delivering food is a relatively easy way to earn extra income. You can check various apps to see where you can use your free hours to pick up local deliveries.
  • Offer your Services Online: Making money online is a great way to earn extra cash — working for someone on an as-needed basis will allow you to earn as much as the amount of time you’re willing to put in. In this option, you can be paid to proofread, write, babysit, tutor online, care for the elderly, or even walk dogs around your neighborhood.

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Find an Affordable Place to Live

Whether you plan to live with a friend or go to college, one of the most important things you need to do is find a place to live.

There are various options when it comes to affordable housing, from renting a small space to sharing rooms with a friend. A great place to start is housing communities that offer housing for residents with low income.

If you can get a friend to join you and split the rent, then this can make your rent even more affordable.

If you're moving out at 18 and will be going to college, you can take advantage of scholarships or grants to help secure a place to live.

A wonderful thing about scholarships and grants is that you don't have to pay them back. Be sure to apply for as many as possible to ensure that you'll have options to keep a roof over your head.

Here are some ways you can make money in college to help cover expenses.

Consider Roommates to Lower the Cost of Rent

While this has already been mentioned above, it can be necessary to consider looking for a roommate if you’re unable to afford housing costs when you decide to move out at 18.

A roommate won’t just help you lower the cost of rent but can help with other household chores and also help to pay bills and groceries.

A roommate should be someone you trust, like a friend, another family member, or at the very least someone who you trust to pay their half of the expenses.

Get A Phone Plan

When possible, get your own phone on your own plan. If you live in an area where wifi is common everywhere, you can often get a plan with a low maximum data amount, which costs a lot less per month.

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Additionally, if you need your own phone, you can opt for a refurbished phone to save money. Brand new phones can often cost $1100 or more for recently released phones, but a phone that's only a year old can cost half that.

Switch Your Bills to Your Name

Once you’re ready to move out, switch relevant bills to your name and pay them yourself. This will include things like:

  • Car insurance: Check out The Zebra to get great deals on car insurance.
  • Internet
  • Utilities
  • Phone bills

Auto insurance is more expensive for young adults and the best way to get a lower rate is to compare as many rates as possible until you find a plan that works best for you. Check out The Zebra for free rate comparisons.

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You can then look into is the local internet providers available in the area where you’re moving to. Many companies will offer a new member discount that you can take advantage of to help you make payments until you’re able to find a job with a stable income.

Seek Higher-Paying Employment Once You're Settled

At some point, you'll want to find a higher-paying job if you accepted a lower wage job to get yourself on your feet.

Once you get settled, take some time to look for better jobs that can replace your starter job or keep investing in skills you can learn online.

You may also take the path towards graduating college and applying for work in your chosen field.

Either way, look for a job that will be able to pay for all your expenses while getting the full range of benefits you deserve — this will ensure that you’ll be more financially stable.

Work on Improving Your Credit Score

At 18, you can now get a credit card, which may help you when you move out of your parent’s house.

While many apartment complexes will be hesitant to give you a place to live if you have zero or bad credit, you’ll be able to build up your credit in as little as a few months.

How You Can Get Approved

There are plenty of credit card companies where you can begin building your credit at 18 without having a credit history. The best way to do this is by applying while you are still in high school so you can get approved for a student card.

Once you get approved and have your first credit card, you'll want to use it responsibly so that you can raise your credit score in a reasonable amount of time.

That means paying off your balance each month and not being late on payments.

Building Your Credit Score

One way to effectively build credit before your big move is to find one purpose for your credit card.

For instance, if you need to pay for gas and car insurance every month, determine just how much you spend every month for these things.

Then give your credit the sole purpose of paying for just these things.

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Pay your balance on time each month and over time your credit score will rise.

Read this guide on how to raise your credit score by 200 points.

Build an Emergency Fund of 6 Months Expenses

Unexpected expenses come up. Because of this, you'll want to make having an emergency fund a priority.

Here are some things can be costly and put you into debt if you don't have an emergency fund:

  • Sickness
  • Injury
  • Car maintenance
  • Dental procedures

These kinds of bills can lead to financial hardship if you don’t have the money to cover them which is why budgeting is an essential part of building towards your emergency bills.

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To get started, it’s ideal to have at least 3 to 6 months' worth of future living expenses (rent, food, utilities, etc.) saved up before moving out at 18.

The reason for this is to keep you from going into debt in case you crash your car, lose your job, or experience any other unpredictable expense.

You should also remember that when you’re looking for the first apartment that you need to pay an application fee along with the first and last month’s rent, as well as a security deposit.

Be Smart About Your Discretionary Spending

A tough part about living on your own is realizing that you are now an adult, and will therefore need to adjust your budget so that you don’t spend any more than you’re earning.

Make sure that you budget as much as possible by making a list of all the bills you need to pay, when they’re due, how much each one is, and keep track of where your money goes each month.

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Once you pay each bill, be sure to make an itemized list that you can tick off so that you can stay on top of which bills have already been paid and which are coming up.

Making a budget is essential, no matter how many or how few bills and expenses you might have.

Without knowing just how much money is coming in and out of your pockets, you won’t be able to determine whether you can afford to move out of your parents’ home. You can make use of budget tracking apps to help you get started on your budget and lower your bills.

Finding Reliable Transportation

Spending isn’t just about making a budget, but it’s also about being smart about the things you spend money on. Before you can find a great job, you need to find a reliable mode of transportation, which can be the following:

  • Car
  • Bicycle
  • Bus pass
  • Carpooling
  • Train

No matter which method you choose, however, it will need to be something that you can always depend on.

While having a car seems great, you’ll need to provide it with the needed maintenance to ensure that it keeps working well.

Be sure to choose something that will always work for you because unreliable transportation could spell the end for your job or your school attendance.

One idea to save money on a car is to buy a reliable car that has over 100k miles on it, as you can expect to pay much less for it than even a certified preowned car that's a year or two old.

Get Free Things Whenever You Can

A challenge when furnishing a home or apartment is that it can be expensive. If you don’t already have your houseware or furniture from your parents' house, consider looking for free stuff.

People are always looking to get rid of things that they don’t need anymore, which can be a big money saver.

Some of these items for free might even be in great shape or have only been rarely used.

Check local Facebook groups to see what people are giving away.

Learn to Cook to Save Money on Food

Learning to cook will benefit your wallet and is likely better for your health than eating out all the time.

Instead of always getting take out, get savvy at cooking and consider cooking a few days worth of food upfront to save time in the kitchen.

Using apps such as Swagbucks and Ibotta can help you find the best deals online or through coupons before you go shopping and cashback after you shop, which will, in turn, provide you with more savings.

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Wrapping It Up

In this article, we discussed moving out at 18 when you have little money. A key takeaway is to make as much money as you can as soon as you can and live frugally so that you can preserve that money.

Once you get settled, picking up ways to build wealth will help you continue to do well in your now-adult life.

By saving and investing while you're young, and staying out of debt, you'll have an advantage over those who were unable to or didn't save and invest until they were much older.

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