Any tips on moving out? Finance advice?

Question

I have money saved and I am continuing to save but I am planning to move out soon. 
I only make 45000 a year. But am asking for a raise on my work anniversary and planning to get a part time job. 
I save a good amount of money each week for not only retirement but also long term savings. 
I am pretty frugal and will be moving in with my boyfriend so we would be doing it together and he makes more than me but still money is a stressor for me at the moment. I know how to cook and we still have some spending money each month but I rather have money in the bank then spend. I like to save and would love to save more if I could only increase my income. 
Any tips on moving out for the first time?

Answer

It sounds like you’re already doing okay! My biggest tip would just be to have 6 months of expenses saved when you move out; that’s a really decent emergency fund if you lose your job (or, your partner does). 
I know for me covid was kind of a wake up call - I was lucky enough to keep my job but my partner didn’t and it could have been really stressful if not for our savings.

Answer

Sounds like you are doing well. I made a little less in an expensive city. Budget is key and don’t get a place above your means. My husband made more than me for awhile, now we are the same. But we still do everything 50/50. But if your bf is okay and willing to say pay more for utilities or something talk about all that up front.
I buy groceries, my husband cooks but also pays for takeout/going out and now our health insurance. We pay our own vehicles (own them both now) and I started paying the insurance because health insurance was alot. Those weren’t factors on shared expenses before marriage though.
And venmo makes everything easier and less stressful.

Answer

If you can start buying stuff along the way for your new place, do that. It makes it easier than doing it all at once. You'll need to set a budget that way you know what you have to spend where. Buy stuff you need on used sites to start out. Garage sales, fb marketplace, Local groups, local free sites, even the nextdoor app. Always check clearance at stores you may find something you need (pots/pans, bedding, etc).
Look into coupons even if its just on some things and starting small it can help here and there. Use money back apps when shopping/getting gas so that it adds up and gives you a little extra back overtime.

Any tips on moving out? Finance advice?

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