Apartments for Cheap

Questions and Answers

Your Questions About Cheap Apartments Rent No Credit Check

January 16, 2013

Susan asks…

Figuring out who ur gonna share an apartment with in college?

So, I’m living in a dorm right now but I’m going to move to an apartment next year because it’s cheaper. My sister and I are going to be living together and we’re trying to decide if we should take in more roommates. The problem is we both want to live with different people and cant really decide on who to room with. Would it be better for us to just live together by ourselves or to try and take in another roommate or two?

Administrator answers:

I have had many roommates when younger. Read carefully – the 1st thing you want to do after choosing a roommate (incl your sister) is have a written contract signed/dated by all.

It should contain basic rules for visitors, overnight or not, what sex, etc. Buying food and sharing the refrigerator, do not take my food or replace it or pay for it, etc. Cleaning (very important) the apartment, all rooms, just yours, shared rooms, whatever. How often, how clean (kind of, so what, no big deal, real clean, no excuses), who takes out trash when?, bathroom, using each others items or not, think about this stuff. Really very important!! – the RENT!! Have money ready 2/3 days, a week before due. Someone always has an excuse why they don’t have their share.

Cash better than a check, checks BOUNCE regardless how they promise the money is in the account, honest, would I lie? Yes.

What if they don’t have the money? What if you don’t have it? Then it’s time one of you move out because if they/you don’t have it within 1/2 days at most the arguments, the blame game, the excuses, the fights, etc start. No way to live. Have to have something spelled out on the rent. If one has to pay for the other more than once than charge interest of 10 or 20%. Rent payment is important as are cleaning fees, damage deposits, etc.

What about drinking, smoking, drugs incl weed, medicine all the things that can cause trouble.
What about pets, best to not have any, you’re there temporarily.
Study time, set special hours, no noise, no TV or music unless they can use ear phones.
How much do each of you have in bank accounts to start with? Will parents take care of ALL money problems? Great if they do but if not Cover Your Rear! And your sisters especially with any love problems and money.
Try to stay friendly. Be flexible but be strong also or you can/will be taken advantage of.
Possibly the college rooming has pre printed contracts or advice to check on. If not try on line or a local realtor might be friendly and give you one for a small fee.
Parking, car sharing, etc if you have one or 2 or friends over.
Sharing clothes, laundromat time, emergencies, medical, money, cars, you never know.
No doubt you will have separate cell phones but if a land line another bill to consider just like rent. Same for utilities. All bills that have to be shared need to be spelled out to keep the peace.
Be willing to compromise except not where you get taken to the cleaners.
You may think because you will be with your sister and you “really know each other” no you don’t when you are not at home but living on your own.
She may be better than you so think about that. Who’s the sloppy, don’t care one. Who has not been good with bills, credit cards, spoiled, feels sorry for themselves, who’s always the noisy one, who prefers to party, etc, etc. Might be you?

Finally the more roommates the more possible problems I do not recommend !!
You may look at this and think what a crock, we are sisters, we love each other. OK

Don’t do do any of the above and GOOD LUCK !!

Ken asks…

What do I need to know before moving out my parents house?

I am 17, and about to graduate Highschool. I want to move out my peoples house. But I need a checklist. I need to know what I should know, and what I need. For example, a job, car, apartment… But what about the other stuff people don’t tell you. Like credit scores and insurance.? Please help.

Administrator answers:

Well, by all means stick with a debit card. This will help with not getting you into debt. Credit cards are fine but many people tend to treat it like free money and when it’s time to pay up they’re unable to make payments which in turn lowers your credit score plus with credit card young adults don’t take into consideration that the card company collects interest for every month the card holder is late on payment.

Never subscribe to a magazine company. Even though you decide to cancel the subscription they may fail to cancel and continue to charge you. They will also give out your personal info. To other magazines and suddenly you are getting a mag. Along with a bill that you never subscribed to. Once this happens you have to call the old subscription, again restate when you canceled then call the new mag. And explain that you never subscribed to them.

Always make a budget for yourself. When you get your very first month of bills keep track of how much each costs and consider the fact that the electric will change during the seasons due to weather change and wanting the place cooler or warmer. This will help you to judge how much to spend on responsibilities and how much you have left over for entertainment like going out, dates, decorative items for your place, etc.

Get in the habit of clipping coupons if you choose to shop at your local grocery store. If you have a store called Tader Joe’s in your area take advantage of it. Yes, it is organic food and many people think it’s more expensive but compared to what I used to pay at a regular grocery store going to Trader Joe’s cut my grocery shopping by roughly 40%. If my shopping would cost normally $100 it goes down to roughly $60 at Trader Joe’s. Just check out the organic food places near you, some will be pricey or run about the same ammount as a regular store but there are some that are way cheaper.

When renting a place due your best to pay your rent on time. If you ever want to move to another location the old landlord will give the new landlord a bad recommendation of you as a renter.

Essentially what it boils down to is watch what you spend and constantly be aware of the money you have.

Ruth asks…

Is Chelsea an OK neighborhood to live in?

I found the most adorable apartment in Chelsea. I think I am going to go check it out tomorrow or the next day.

I have had a hard time (my fiancee and I) finding an apartment in Manhattan in our price range that isn’t terribly gross. This is a little out of our price range, but it isn’t too bad and it is so beautiful from what I’ve seen, I think we could do it.

I don’t want to waste the money if it is in a bad neighborhood. I get that Chelsea isn’t the upper east side, but it isn’t like Washington Heights, is it?

Thanks!
I’ve been doing some research and it looks like it has become sort of cool. Maybe my fiancee and I will check the neighborhood out tonight.

Administrator answers:

Chelsea is very ok, and nothing like Washington Heights, but I’d be leery of something affordable there. It’s not a cheap neighborhood. A legitimate, tiny studio is at least $1700 and a one bedroom $2k+, If it is legit and affordable, you’d better be ready to write a check for 2 months rent upfront and a credit check fee because it won’t last another day if it is.

Helen asks…

What is the best way to save money?

I am trying to take out about $50 a week out of my check to put in the savings account. I want to be better with money. It seems like every time I start to get ahead then I forgot to pay a bill. Any advice will be helpful.

Administrator answers:

At a budgeting seminar that I took through my church, they told us to first write down all of your expenses. That includes fixed expenses (rent or mortgage, car payment, cable TV, phone and/or cell phone, etc.) and variable expenses (electric, gas, food, credit cards, etc.). Include as an expense a line for money to put into savings (they recommeded 10% of your income minimum). This way, you know what you’re up against and can take a long, hard look at your spending habits.

After you consider what your expenses are, look at your expenses versus your income. If your expenses are higher than your income, you need to cut your expenses or raise your income. You can do that by eating out less, getting rid of services you don’t need, getting a less expensive house/apartment, getting a cheaper vehicle, or getting a different or a second job. If you need a new car, add a line into your expenses for putting aside money for one rather than running out and buying one right away. Pay cash for a car that you can afford (used is a great idea!) rather than taking on payments if you can help it. Never lease a car because you’ll never have anything to show for it other than a lifetime of car payments.

As soon as you get paid each pay period, immediately pay the bills that are due next. That saves you late fees and maybe some interest, too. Write down the due dates and payments, or put them into a calendar on your computer or PDA. Automatic reminders are a good thing. You can also set up for some bills to be paid automatically from your checking account. Look into what your bank has to offer and use as much of it as you can.

The best thing you can do to save money in the long run is to get yourself out of debt or avoid going into it in the first place. Any money paid out in interest is money lost, even if you can claim part of the interest on your taxes. Each pay period, put aside as much as you can afford to do to pay down any debt that you already have, and cut up your credit cards before you’re tempted to use them.

Learn to live within your means and pay cash for everything you buy. That way, everything you have belongs to you and not to a bank or credit card company. Little by little, you’ll find yourself with more and more savings to fall back on.

I hope that helps. It’s not easy to do, but it works!

John asks…

How much is enough needed to make to live on your own?

I live in pa and just received a job paying 32,000 a year and i just finished getting my bachelors degree in school. If i wanted to get an apartment for about 600/month and have to pay all the other basic needs is this enough for a young woman to make to live on her own?

Administrator answers:

It is ENTIRELY dependent on what your savings goals are as well as your other expenses. My husband and I live in the Main Line area outside Philly. It is a pretty affluent area. I do volunteer work and my husband makes $80,000 so we live off his income (which makes us pretty poor for the Main Line). Here is how we make it work.

His monthly take-home pay (after taxes, benefits, etc) is $3750.

Rent is $1160.

We pay all our auto insurance up front to avoid monthly billing charges… It breaks down to about $50 a month.

We try to keep heat and electric costs down… But there is only so much you can do.

We don’t have cable…. That’s right. We do not watch television… But we do have a TV and DVD player. The “no cable” thing started when we first got married b/c we had a lot of debt and it was a cost cutting measure. However we have decided to continue going without cable b/c there is nothing good to watch on tv… And anything I really want to see is usually available online. Also, we are lucky and live in a wireless hotspot, so we do not have to pay for wireless internet.

We do save on our phone bills.
1) We use prepaid cell phones…. This is not b/c we have bad credit, but we looked at our cell phone usage and figured with prepaid we spend about $300 a year for 2 phones with prepaid service as opposed to $700 a year for the cheapest monthly plan for 2 phones.
2) We pay the bare minimum for our home phone with local service. We use domestic and international calling cards for long distance. Again, not b/c we have bad credit but because it is cheaper. We don’t bother wth call waiting, 3-way call and all that other crap and we save money.

Whenever possible we use our “cash back” credit cards to pay for things.

I clip coupons, a lot of grocery stores will double your coupon values. I also look for sales and specials and stock up on pantry items like soup, pasta, etc. I am willing to spend for good quality meat, fish, and produce.

Don’t know where you live, but we have a nearby Farmer’s Market open 3 days a week and the quality of the meats and produce seem to be better than grocery store and the prices are better.

I will also shop Target or Wal Mart for household stuff. I scan the newspapers for coupons for oil changes. I also check adds for sales at dept. Stores. By shopping sales and using a dept. Store coupon I got a $60 pair of sneakers for $25. I have also cut down on my own personal clothing expenses as I am not working and can get by in casual clothes most days.

We do not go out to eat very often (my husband actually prefers my cooking to restaurant food). We also don’t spend a lot on entertainment. We borrow DVDs from the library.

This can all add up. We are very close to paying off a car loan and my husband’s student loans early. We have also been able to set aside money to put in our IRAs.

I recommend you look at the past 3 – 6 months of your expenses and make a budget that works for you. You really need to consider what’s important to you and plan accordingly. Remember 25 – 30% of your salary wil be eaten up by taxes and possibly more depending on what you have to contribute for benefits and if you decide to start investing in a 401(k), IRA or other retirement plan… It’s a good idea to start saving early.

Maria asks…

How do I buy an apartment in Georgia?

I never bought an apartment before and I have no idea how to go about it, do I just need the money and that’s it or do i need good credit and everything or what. Im only 18 IDK how it works, and where can I buy cheap descent furniture in georgia. lithonia or just atlanta in general

Administrator answers:

You rent an apartment.
You don’t buy it.
You will need steady employment.
They will do a credit check on you (or they may skip it since you are only 18).
To see your credit reports go to:
Annual Credit Report.com
Never get scammed by TV commercials with the word free that will charge you for them.

Most landlords will not rent to anyone under 21, some even 25 without a parent as a co-signer.
Be ready for this.
Also have your deposits in hand.
First months rent, deposit, last months rent.
I could not get an apartment at 19.
I had to offer a landlord 6 months advanced rent – then I got the place…

Charles asks…

Any one know any apartments in the Atlanta area that don’t check credit?

My husband and I are both 19 adn we just got married almost 3 weeks ago and so far we have been living in a boarding type house and we have no privacy except for in our bedroom. The people there are rude and refuse to give us any privacy and they fight constantly over every little thing and they hardly keep the place clean! I was wondering if anyone knew any apartments in the Atlanta area that is nice, has low rent ($500 or less a month) and don’t check credit and doesn’t care if you haven’t been on your job that long?

Administrator answers:

Believe me, you probably don’t want to live there.

I moved to a cheap place in Marietta, Georgia that checked my credit and now I know better. I will never come back to Georgia if I have to pay rent. You definitely get what you pay for. There are too many unethical landlords, maintenance people and tenants ready to take advantage of you when you leave for work.

Also, if you are in a really cheap place with hundreds of folks living over and under you, you’d better have a love for BUGS and CRITTERS!

Check out “Apartmentratings.com” before you move anywhere.

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