1. Choosing an Apartment
Type of apartment (complex or duplex, # of bedroom, amenities, parking or garage, etc.)
Location
Safe, close to work
Cost
Amenities – need a roomate – include utilities?
Good Rule: Spend NO more than 30% on your monthly net earnings
Signing a lease
Deposit

2. Items to consider Salary Start up costs
Will you need to buy anything additional
Deposit
Will you have enough left over to cover all other bills

3. Buying a Home Do you plan to move anytime soon? Good credit
Aim for home you can afford
Rule of thumb: buy home that is 2 ½ x annual salary
20% saved to put down?
Location – good schools
Taxes

4. Online Payment Calculators
Mortgage or Auto
Down payment
Interest

5. Where to Live….
Pick 3 different places to live in different price ranges
Examples…
Cut out and keep
Choose two cars in different price ranges