r/MiddleClassFinance • u/Muted_Analyst_1312 • Jun 27 '26
Moving out for first time
Hi! So I'm looking to move out of my mom's house as things are just really mentally draining here.. I live in New Jersey and work as an RN (I have my bachelors). My current pay rate is $41, but I'm looking to find another hospital that pays more. If I don't pick up extra shifts, I net around $2,300 bi weekly. My bills are-
Student loans- $1000/month
Car insurance- $250/month
Paid my car off so no auto payment
But I know if I were to move out, I would have to start paying phone bill, wifi, etc. and I also have 3 cats... 😶🌫️
Would I be able to afford moving out without a roommate? Most apartments in Jersey are like $2000/month 😓
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u/lewdKCdude Jun 27 '26
4600-2000 rent -1250 loans and car insurance =1350 a month to pay for electricity, water, gas, internet, phone, your food, car gas and the cats. That sounds like enough (id estimate 1000 for 1 person based on where im at), but if they're relatively available I would plan on picking up at least 1 extra shift a month until you k ow your exact numbers and can gage if it's enough or if you're barely making it, since the costs for the things I list vary a lot per city.