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Your Questions About Cheap Apartments No Credit Check

July 31, 2013

Charles asks…

I’m 19 years old and i want to move to Chicago. How much should i save?

I’m in college but want to leave my hometown. I have a part time job inside Meijer as a demo girl. it’s meijer stores located in Illinois. I’m sure i can transfer to a store down there. I just need a cheap one bedroom apartment. I really don’t care if it’s in a bad/rough neighborhood because i was born/raised in the hood. I don’t care about the cold because it doesn’t other me. how is public transportation there because i don’t drive ( yet ).
I don’t Mind a studio Apartment..
I know that there are no meijers in chicago, IL. i did look up meijer locations. Is there a bus or train or some kind of public transportation that can travel to Aurora, IL daily.

Administrator answers:

First off – there are no Meijer stores in the city of Chicago. There are a few in the suburbs but the commute time and cost will not be worth it for a part time job.

I would suggest saving 3 months worth of expenses before moving.
You can probably get a studio apartment in an ok part of town for between 600-700 max. Maybe cheaper if you look hard but the rougher areas of town typically don’t list on more common places like Craigslist. Keep in mind that you will also have to put a deposit down which can be between 1-2 months rent alone. I’m guessing that you’ve never lived alone but you’ll need to budget for other expenses such as cable/internet (if you want), your cellphone bill, gas bill, electric. To be safe, I would budget an extra $200 for utilities and phone. That may be high but better to be safe. Also, a lot of renters require a background check, credit check or some type of proof of a job. Since you are 19, they may feel more comfortable if you already have a job lined up or if your parents co-sign for you.

Depending on your ability to cook, you will want to budget for food. If you think you can get away with cooking all your own meals – you may want to budget $50-100 per week for food. If you want to eat out, way more. Taxes are high in Chicago and food is expensive. Without a vehicle, you will only be able to carry so many groceries on the train/bus and will have to make multiple trips. This adds up too. If you live in a nicer area there will be more options for groceries but in the hood, maybe not so much.

Public Transportation is pretty decent in Chicago but can still be expensive. Anytime you want to go anywhere, it’ll be at least 2.25 one way. So if you plan on traveling strictly by CTA, you’ll need to budget another 100 or so for the 30 day pass. I’d recommend getting a bike – free and keep you in shape, especially since you don’t mind the cold.

So here’s what you might be looking at as far as savings. Like I said – I’d go with 3 months of expenses saved up.

700 for rent x 3 months = 2100
300/month food = 900
100/month for transportation = 300
200/month for bills = 600
700 security deposit = 700

add all that up and maybe some extra to be safe – I’d say $5000 would be a safe bet.

Richard asks…

Can I get a loan for moving out without parents?

I’m 19 and I plan on moving out asap (hard/difficult life), I have a part time job, which I’m sure will do no good in helping myself move out. My father has no job, I don’t have any contact with my mother, so I was wondering if there was any way I can get loan without my parents cosigning or anything.

Administrator answers:

The only loan you can get without your parents or anyone cosigning for you would be a federal student loan. To get this, you must be registered for classes and you must fill out a fafsa. This money will be sent directly to the school to first cover school costs, and then, if there’s any leftover, you will receive a refund. If you want to move out now, I would suggest finding a friend that you can room with (cheaper costs). To afford a place on your own, you will definitely need more than a part-time job. Most apartments will require verification of steady employment (loans will not count), and will do a credit check on you. My first apartment required a cosigner because I was young and had not built enough credit yet. With an apartment comes utility costs (electric, gas, water/sewer, trash, phone, etc), insurance costs, food and household costs, etc. So, you need to make sure that you can afford to pay each of these items, plus rent (obviously). Good luck to you. If you are serious about moving out, you need to either find full-time work, or another part-time job. First month of rent generally includes an additional deposit equal to 1 month’s rent. Plus, most utilities require an additional deposit/start-up fee to hook them up.

Daniel asks…

I am currently a student trying to find an apartment or room for rent in the University district of Seattle…?

and I’m having trouble finding apartments at all! Does anyone know of any blogs or sites, that help find apartments for college students, apartments that are college friendly, and take into account of no credit history?
Or does anyone have any advice for me to help get an apartment?

Thank you!

Administrator answers:

Hi there – check out the 1st and 3rd listings on this page – they’re both in the U-District, are student friendly and not too pricey:

And here are some more rental listings in the same area that might be of interest:

The map on the right side is really helpful for seeing where they’re located.

Hope this helps…good luck!

David asks…

do you always have to be 21 or older to check in a hotel room in Los Angeles Ca?

is 18 old enough?

Administrator answers:

For some motels 18 is old enough, with a credit card. Sometimes the age can change during the year. Like at Prom time some motels that have an 18 age limit up it to 21, too much trouble otherwise. Most hotels seem to have a 21 and over policy.

Start by looking at the website of the specific location you are interested in, because age limit can vary by location. If the info isn’t there, call and ask. Be careful of motels that are too cheap or seem sleazy, there are motels with rooms rented to sex offenders and paid for by the state, because no apartment landlords will rent to them.

Good luck!

Jenny asks…

Where can I buy low price beds, mattresses and desks near Cambridge, MA?

I’m moving there for 8-months to study, and I don’t think I can transport my stuff. Any places to buy cheap single beds, mattresses and desks?

Administrator answers:

Look in the classifieds under yard sales.

You can get some good stuff really cheap, especially if you are looking in the “rich” area of town, where the stuff is in like new condition – but they just don’t like that style anymore.

You have to get to the yard sale between 8 – 8:30 really early to get the good stuff and bring cash & some buddies who have a truck or cargo van. People don’t take checks or credit cards.

My buddies and i furnished our apartment like this & the girls thought we had excellent taste.

Paul asks…

Where can I find a cheap apartment in St. Louis?

I need a cheap apartment quickly (City is OK). I have a cat, too. Are there any subsidized/income based apartments within an hour radius of STL that have a quick (or no) waiting list? Or a cheap place to rent from that is ok with bad credit??

Administrator answers:

Check out you can adjust the amount that you are willing to pay.

This at least gives you a list of places to try out.

Chris asks…

What should I do with the money I have?

I have 7k in savings, 2k in my checking, and about 1k in cash. I’m 24, I substitute teach, and actively looking for a teaching job. I paid off my student loans, paid off my car payments, and make about 600 to 700 a week substitute teaching, coaching, and working a few other part time jobs I have. Do I have enough money to move out? Do I have enough to buy a house? What should I do with my money??

Administrator answers:

It all depends on where you live and what you’re willing to settle for. There’s a good chance that you could probably buy a cheap condo depending on your credit score. Sounds like you have enough money to get a decent apartment and still save money.

Bottom line: Make sure you can still save money while living on your own. Times are tough and there’s nothing wrong with living at home right now. But I would def. Start looking for a place to live. Try to not touch the 7k in savings as that may end up being your emergency fund.

Maybe opening a ROTH IRA would work. Find a financial planner in your area to get more detailed advice.

Lisa asks…

I am planning a 7 day trip to Maui in May and I was wondering how much I can expect to spend on average?

I dont plan to stay at expensive hotels (I want to spend around $200/night). I just dont know how expensive everything else is (aka food, drinks, activites)

Administrator answers:

I have been going to Maui every year for the last 20 years.
Prices have definitely been going up but that does not mean you can’t have a great time at a reasonable budget. You just have to know the in and outs. First, stay in Kaanapali, it is simply the best location since it is close to Lahaina and the Whaler.

Hotel: $200 could get you a room at Westin Kaanapali (if you book it when they have a special rate) which I think is the best hotel overall based on locations and facility. I have stayed there the last 3 years and have also stayed at four seasons and Grand Wailea….Westin is a better overall value, trust me…it is a gorgeous hotel with great spa facility.
If you want to go really cheap, Kihei has several cheap options or even cheaper is to rent condos or apartment as this would help out also with food cost if you are willing to cook.

Restaurant: What is so great about food in Maui is that you could find great food from $2 to $150 a person.
My cheap and great food recommendation in Lahaina would be:
House of Saimin, Aloha Mixed Plate ($2-8 a person)
My expensive and great food recommendation would be:
David Paul, Mama’s fish house, Feast of Lele Luau ($40-150 a person).

Activities: My recommendation for activities is to wait until you get to Maui, grab a bunch of those free magazine (there are like 20 of them) in the airport and just compare prices.
DO NOT BOOK now, it is much cheaper to book them in Maui.
Must do things in Maui is:
1. Road to Hana: Make sure you get the CD so you could get to even non-tourist area such as the amazing secluded red sand cove beach (beware nude beach). Road to Hana obviously also features tons of cascading waterfalls, amazing view and black sand beach. ($? Car rental, $30 a day+$10 for the CD)
2. Haleakala: The most common is to watch the sunrise on the top and then bike downhill. ($50-100) or horse riding ($75-150)
3. Whale watching: Crazy…last time I went, the boat was stuck for 30 minutes and can’t move because whales were breaching all around the boat….but no whale in May, best time is end of December-Mid January. ($15-30)
4. Molokini: Snorkeling for turle ($20-100)
Other notables are obviously the city of Lahaina itself (free unless you have a wife that loves to shop), Iao needles (free except for the car rental) and the numerous beaches there (if you are into nudist beach, check out the “Small beach” right next to the “Big beach”).

Do you know that you could actually even make money there? Just attend the many offering of timeshare presentation and they will give you up to $400 in activity credit for each presentation you attend.
I attended the westin timeshare once, they gave us $100 spa credit, 50000 starwood points (equivalent to about 5 nights stay there so about $1000, and an additional free 4 nights stay for the next year. All it took was about 2.5 hours listening to some salesman and entertaining them.

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