getting our own apartment needs lots of tips on how to save money.

Katie - posted on 02/28/2010 ( 18 moms have responded )




Me,my son and fiance are getting our first apartment together and I'm looking for great ways to save money on everything. Thank you ladies


Amy - posted on 03/02/2010




We pay bills as soon as we get them, including the house payment. Then we buy groceries, and everything else comes with what's remaining.

When we've had paycuts or layoffs, we've cancelled satellite, dropped down car insurance (or even shopped around), reduced or eliminated cell phone, etc.

For the larger expenses, I like to map out a plan of things we need (or want) and prioritize those. We work on the highest priority items first. it feels really good to save up and buy something with cash. I'd like to echo the sentiments of others who've encouraged you to avoid credit.

Dave Ramsey is a great resource for this sort of thing.

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Everyone has friends that are not using stuff anymore (curtains, dishes, pictures, ect..) Ask around to see if any of your bff's have any stuff lying around their place that you guys could use.

And what ever you do: DO NOT BUY ANYTHING ON CREDIT... credit cards are aweful w/ their revolving interests and payday or rent to own will drain you on their installment plans. If you get a loan make sure it's a fixed rate and no variables.

Try and wash all your clothes on cold.

turn down the thermostate and make it cuddle time w/ blankets on the couch.

And it may sound funny but, cleaning up both you and your fiance's credit history will be a huge help.

If you two have life insurance policies; put them together into one. (term)

car insurance; do the same.

...and; it's not much for saving money but, get renters insurance (it's cheap and you'll be glad you have it when you need it)... just make sure you read your policies.

I could go on forever. ... by the way Congratulations.

JODI - posted on 03/10/2010




I have 5 children, there alot of store brands of food and health and beauty aids that are just as good as name brand...try those. If you have enough time shop the sales at the local grocery stores! Stock up on food you use when it is on sale, I never pay full price for canned goods, cereal, junk food! Also if you buy your femine products when they are on sale you will save alot of money in a year.Visit a local dollar store to pick up items for your apartment, you can always replace that stuff with nicer stuff as you are able!

Cyndi - posted on 03/05/2010




If you are looking on saving on the groceries, then check out this web site called Angle food Ministries ( They don't care what your income is, you can order boxes of food for a fraction of the cost in a grocery store . Each month the boxes change. You can either order it on line and pick it up when it comes in a center located close to you or you can call the center and order. The site is very easy to navigate and you can see all the boxes they offer and find the closest center to you. Good Luck and God Bless!!!!

April - posted on 03/04/2010




file for EBT (formerly food stamps). every time you pay taxes, you are paying into programs like this, so why not take advantage of this in time of need? the amount you recieve is based on your income, even if you only qualify for $150 a month, that will be a big help. my husband and i were on it for about a year or so when my 9 year old was a baby, it made a big difference. also, the coupons they really make a big difference, on average i save 10-20% on my grocery bill with them. try to combine your coupons with the sale or damaged package/dented can items if your store has them. google fuel economy, there are some great tips out there for saving on gas. not to mention, it is better for the environment! also, the cfl lightbulbs (the twisty kind) use much less electricity and last longer. depending on where you live, a club like sam's or costco may save you some money too, on frequently used items. we get a card at sams for $40 every year, and it pays for itself within a month. you get a complimentary "household card" too, so maybe you and a friend can go in on it together and use the same address. also, make sure you stay on top of repairs in your apartment, call the super right away for things like leaky faucets, you would be suprised how much that can make your bills go up. hope this helps. good luck!


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Brooke - posted on 03/08/2010




oh and when you do move, have a garage sale dont take things with you you dont need, this can lead to extra $$

Brooke - posted on 03/08/2010




My tip is totally different but its what i do to save money and hope it helps you abit.................
i know 2 weeks in advance how much money im getting (your situation could be totally different) so i sit down and work out how much i need to spend in those 2 weeks on bills, groceries, fuel ect. once i now that i work out how much ill have left over and i put half of that away into an emergancy jar that i dont touch. this wil be used when i finally spread my wings and leave the nest lol. i found it unrealistic to put all my leftover cash away because you never know when something might happen.

Andrea - posted on 03/06/2010




You can also google freecycle web site for your community. You can get great free stuff there. I have gotten several great freebies from ours. Plus you are helping the planet by recycling things. Definitely do coupons.

As for budgeting, get the book 'Total Money Make Over' by Dave Ramsey. It would be great to help you and your family sit and budget and stay out of debt! I borrowed my copy from the library - it was free! I also go to the library for videos, story time for the kid. They also may have a community board with postings you can use to help you start out.

Good luck, how exciting for you all! Have fun! Andrea

Jenifer - posted on 03/03/2010




All of the other posts are pretty much what I would suggest. When my husband and I started out, we didn't even have TV for almost 2 years. It was like $40 per month for basic cable! And we didn't even buy cell phones until 4 years ago, and we've been together for more than 12 years. Definately shop around for service every time our "commitment" with our cable company runs out, we usually switch because alot of time the other company will give you a deal. Stay away from Credit. Thrift stores, Goodwill and Salvation Army are godsends (yardsales too). As some of these fine ladies have said, it can be hard when you have in your head what you want, but think to yourself eventually for now, just let me get by. You might find that you didn't need some of that stuff afterall. Another big problem my family has had is space. Loft beds are wonderful. They practically double the usable space in bedrooms. They can be pricey, but if you or your fiance are good with your hands, you may want to consider making it yourself. Congratulations, and good luck!

Melissa - posted on 03/02/2010




Be a penny pincher cut coupons and unplug everything this may seem silly and may only save a dollar a day but at months end it is 30 on the light bill it is not hard to plug stuff in when you want and believe it or not electricity is running just by stuff being plugged in. somehting is better then nothing.

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Sometimes this is easier said than done, but remember you don't need everything at once. Its nice to move into an apartment having everything you ready, but in reality there are few things you will really need at first. A card table can make due for a while in the dining room. You don't need a full set of dishes with serving for 12. You may have to do dishes often, but at first, 4 plates, cups, silverware, etc and a few pots and pans will get you by. Depending on where you live, you may not need curtains in every room. Think minimalistic at first and you might realize that you don't need as much as you think you do.

Ruth - posted on 03/02/2010




Only go shopping once a week or even fortnightly, except maybe for milk and bread. Make sure when you go shopping you make a list and stick to it and dont go shopping when you are hungry as you will tend to buy snacks. Also by the raw ingredients and make your meals at home rather than by prepared food. Second hand clothing shops are great especially when your kids are younger and grow out of clothes fast. Only buy what you need not what you want. plus all what everyone else has said.

All the best

Bethanie - posted on 02/28/2010




Coupon clipping will save you quite a bit on your grocery bill! When my husband was on unemployment for a few months it saved us big time. That and shopping sales at the local stores. The store we frequent, Fred Meyer, has a website and they put their weekly adds on there with the sales so you can see whats on sale before you go shopping. Here are a few useful websites:

Stephanie - posted on 02/28/2010




I am about to be in your same boat...and I cant wait. I have been going to garages sales, dollars stores and finding ways to get every thing second hand. I am not sure if you need everything like furniture and things but craigs list is great for that.

I go to garage sales in the 'rich' part of town lol they tend to get rid of things that are still in the packages it crazy. I found a coach purse at one!

If you want to save on electricity I would look to see if they have a digital componet that you can set a specific temperature too. They might let you switch it out, I have found those old boxes that you move that little knob too those dont really set a temp. The last apartment I lived in my elelc bill was so high and it ended up that box was broken.

I hope some of this helps I am not sure what exactly you are looking for but, best of luck to you :)

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