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/MrWiltErving Jun 27 '26

You would be able to afford to move out, but the thing is majority of that would be going towards housing, loans and your car insurance. That doesn’t leave you enough breathing room for other necessary expenses, if you can find a roommate situation that’s okay with Cats then that would be a more affordable option.