A lot of people think that leaving their parents’ house is a real woohoo. No responsibilities, no one to pick on or anything like that.
But that’s not quite how it works. The moment of leaving the parents’ house is full of decision-making and planning.
Without that in mind, you run the serious risk of coming back with your tail between your legs. So pay attention to the following tips to do everything right.
talk to your parents
Regardless of how your relationship with your parents is, have a frank, honest and friendly dialogue.
Explain to them the reasons why you are making this decision. And, above all, show them that even if you leave home, you’re still part of the family.
Leaving is not a break in the family, just a step in building an independent life.
To make this moment pleasant for everyone, try to include your parents in some activities, such as visiting the new house, buying furniture or planning the decoration.
Make a financial plan
Never, under any circumstances, leave your parents’ house without good financial planning, even if you have a great job.
Living at home with parents is a very different financial reality from living alone. From now on, you’ll have to cover all your costs, from yogurt for breakfast to car insurance.
Ideally, you should start planning financially at least six months in advance. In this way, it is possible to guarantee a transition without surprises and mishaps along the way.
Have an emergency reserve
That should be your mantra from now on: “emergency reserve”. And, as the name suggests, the emergency reserve is an amount of money that you keep for some unforeseen future.
That money should stay there, tucked away, to be used in case you lose your job, for example.
Ideally, your emergency reserve should equal your last six paychecks. Assuming you earn BRL 2,000 per month, your emergency reserve should be BRL 12,000 in total.
Calculate everything at the tip of a pencil
Make a spreadsheet and put all your monthly expenses there. Include rent and condominium (or monthly financing fee), water, electricity, telephone, internet, gas, food, transportation, insurance and everything else you will have to pay for yourself from now on.
Also put into the calculation the expenses with leisure and small treats that you give yourself throughout the month.
Just to make your life easier, stipulate percentages for each of these things. Remembering that housing expenses (rent or financing) should not exceed 30% of your budget.
Therefore, if you earn BRL 2,000 a month, look for rental properties that cost a maximum of BRL 600.
Choose a place close to work and college
Within your budget, try to look for properties that are close to your work or college.
In addition to bringing more quality of life, since you won’t need to spend hours moving from one place to another, there is still the possibility of saving money on transportation.
Take a few steps down in your standard of living
Leaving your parents’ house means that you will most likely need to go down a few steps in your standard of living.
This is more than expected, after all, it was his parents who paid most of the household expenses. Only not anymore, baby.
It may be that you have to say goodbye to nightclubs every weekend and delivery at dinner time.
Cut superfluous expenses
It is part of the moment of leaving the parents’ house to cut superfluous expenses. Review your accounts and see what can be reduced or even eliminated from the budget.
Could it be, for example, that you need the super top cell phone plan? And does the subscription TV package need to have four hundred channels when you don’t even watch television?
Also analyze your purchases and spending on clothing, food and leisure.
So it is! Who said it would be that easy?
Learn to do housework
This tip here has the potential to save your life! Learn once and for all how to do household chores, from the simplest, like washing dishes, to the more “complex”, like washing clothes and cooking.
But don’t be scared. Nowadays there is the internet to help. Just a quick search and soon you’ll find tutorials of the most diverse types, from how to cook beans to how to wash white clothes.
Learning to do household chores will also save you a lot of money with laundry, day labor and delivery.
empty nest syndrome
Last but not least, you’re going to have to deal with empty nest syndrome. And what is this?
Empty nest syndrome is a way of describing the sense of loss that some parents feel when their children leave home. That is, you will probably have to learn to deal with their lack.
Let them know that you’re always around and available when they need you, but at the same time let them know that everything is under control and that you’re okay.
One more thing: It’s not just parents who tend to deal with this feeling of emptiness. When children leave their parents’ home, they also need to learn to deal with homesickness and dependence.
In the end, you’ll see that everything falls into place and that you couldn’t have made a better choice, believe me