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.

Nowadays, people no longer need to spend money to learn from online classes. There are plenty of educational materials that you can get from various websites such as

With so many choices to get free 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.

Educate Yourself on Living Frugally

Thankfully, there are now hundreds of companies that are happy to help their customers save money through discounts, sales, coupons, and price slashes. In this way, you can easily find ways to save money on your future purchases. Because of this, there are countless ways for you to be able to save money quickly when you plan to move out at 18, such as:

  • 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.

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Find a Job to Cover Basic Expenses

Finding a job will set yourself up for independence. The best part is, those who are already 18 have an advantage — they have a higher chance of getting a job compared to a minor. However, if you’re still a minor and are planning to move out once you turn 18, you can always look at places where teens over 15 years old are accepted.

Getting a job early on will help you save money and get you started on the right foot. Even if you don’t have a degree yet but are looking to get a job, you’ll be happy to know that there are also 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 most money.

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 that will 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, schooling, 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 freelance writer and charge others to write blog posts for them.
  • Work as a Food Delivery Driver: If you’re not into parties and would rather spend your free time earning money, this is one of the best ways to earn extra income. You can check various apps to see where you can use your free hours to pick up local deliveries.
  • Work as a Respondent: In this side hustle, you can earn money by answering questions on your phone during your spare time. It may not earn a lot of money but it’s an easier and more flexible option that doesn’t require previous experience.
  • 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 permanent 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.

This is an option if you make it under their monthly income limit. If you can get a friend to join you and split the rent, then this can make your rent even more affordable. There are also ways to get paid to live in a house, therefore alleviating your housing costs.

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.

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Consider Roommates to Lower the Cost of Rent

While this has already been mentioned above, it’s 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 also 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 can give you basic requirements and identification which you can ask for when they apply to be your roommate.

The best thing to do if you plan to have a roommate is to find a friend or ask around your circle to see if anyone is also looking for a roommate. However, don’t be too excited to move in right away — don’t forget to always research them before moving in together. You don’t want to be stuck in a situation where you’re the only responsible one stuck paying all the bills while they get a free ride.

Get A Phone Plan

The first thing to do here is to take your name off your parents’ plan — this will let them switch to a cheaper plan and will also allow you to look for a more affordable option for yourself. Being in a WiFi-rich environment like a university or college campus will allow you to get the most savings from a WiFi-first service that routes texts and calls over a wireless network instead of going through cellular service.

According to a readers-choice survey from PCMag and Consumer Report, one particularly helpful service was Project Fi, which Google had launched in 2015. It allowed for unlimited texting and calling through T-Mobile, Sprint, and U.S. Cellular for just $20 a month. It also provided internet use for $10 a gigabyte, but the fraction of the gig you don’t use is credited back to you at the end of every month.

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Switch Your Bills to Your Name

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

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  • Internet
  • Utilities
  • Phone bills

Luckily, there are affordable options you can choose from, such as Republic Wireless’ cheap phone plans which start at just $15 every month. It’s a great option for those who want to stay connected to the internet while living on a low income.

You can then move on to low insurance rates for your car — this is highly important and should be a top priority, especially if you’re thinking about moving out of your parents’ house. The next thing you should 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.

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Sign Up for Insurance

Once you find a good job, getting life insurance is one of the best moves you can take towards securing your family’s future. It can save you from potentially huge financial losses should anything happen to you. It not only provides you with financial security, but it can also help to pay living expenses, pay off debts, as well as pay for medical or final expenses.

In other words, life insurance provides you with money when you need it the most. Your life insurance policy will be able to deliver a sum of money for all kinds of scenarios — for instance, your family will receive your policy payout right away upon your death. Signing up for a $500,000 policy will provide $500,000 in death benefits that will be provided directly to your beneficiary. If you get married one day and have children, this can protect your family should you pass away young.

Seek Higher-Paying Employment Once You're Settled

To make some of the suggestions in this list possible, it’s best to look for and maintain a high-paying job to ensure that everything runs smoothly. And while it’s good to create many streams of income as a result of being an online freelancer, many of those jobs won’t offer full benefits.

Once you get settled in your new home, take some time to look for better jobs that can replace your part-time job at McDonald’s 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 ready financially and otherwise.

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Work on Improving Your Credit Score

At this point, you may or may not have your budget in order, but that’s okay. At 18, you can now get a credit card, which may help you when you move out of your parent’s house. While most apartments won’t 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. However, it’s best to remember that a credit card can be a good tool if you know how to use it well but if you don’t, it can mess up your financial plan.

How You Can Get Approved

Fortunately, there are plenty of great credit card companies where you can begin building your credit at 18 without having previous credit card 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. There are two ways this can benefit you:

  • There’s no annual fee so you don’t have to spend money just to get the card.
  • You’ll have almost zero APR and very low-interest rates.

Once you get approved and have your first credit card, here are a few things you need to know to build perfect credit:

  • Having a credit card doesn’t mean you have free money.
  • It might be tempting to swipe away but spending more than you can afford is only asking for trouble.
  • The point of having a credit card is to give you access to money that you can pay back at the end of each month.

Building Your Credit Score

The easiest and fastest way to 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. You’re probably asking why — this is consistent money that you’re already spending every month that you know you can afford to pay for.

In this way, you won’t miss making your payments every month and you can be sure that your bills are paid off at the end of each month. And that’s all you have to do to build up your credit score — by giving your credit card one purpose, you’ll know how much you need to spend every month. You can also place a limit on your card so that you won’t spend any more than you can pay.

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

Build an Emergency Fund of 6 Months Expenses

Sometimes, no matter how much you plan things out, there will come a time when things just won’t run smoothly. This is the main reason why you need to have an emergency savings fund to cover any unexpected expenses. Various things can really through your savings and budget off the track, such as:

  • Sickness
  • Injury
  • Car maintenance
  • Dental procedures

These kinds of bills can lead to financial pitfalls if you don’t have the money to cover them which is why budgeting is an essential part of building towards your emergency bills. 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 broke 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. All of these things combined can easily add up to more than $1,000 — be sure to estimate all the things you’ll need to have saved up before moving out. This will show you a rough estimate of your expected monthly expenses once you’re on your own, but take note that this will vary depending on where you choose to live and the cost of living there.

Be Smart About Your Discretionary Spending

The hardest 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. 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.

Get Free Things Whenever You Can

A huge challenge when furnishing a home or apartment is that it quickly adds up in expenses. If you don’t already have your houseware or furniture good to go, consider getting things for free. People are always looking to get rid of things that they don’t need anymore, which can be a huge money saver.

Some of these items for free might even be in great shape or have only been rarely used. It’s also best for you to consider looking for free clothes along with other necessities.

Learn to Cook to Save Money on Food

This will work for the benefit of both your health and your wallet, where you can learn to go to the grocery for shopping which you can then cook when you get home. Instead of always getting take out, doing groceries and making meals for the week can help to save money and improve your overall health. 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

Now that you’ve taken in the suggestions and tips laid down in this list, you’re all set to move out at 18, which is a great step towards living independently. The biggest thing to take away from this, however, is that you’ve learned how to be resourceful. By budgeting wisely, saving well, and making plans accordingly, you’ll be able to face things without problems. When the big day comes, be sure to embrace the life that’s ahead of you, and never look back.

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