You need content insruance tho, and that can be done over the phone.

That is so weird, I have USAA insurance and they have insured both my car and my home without ever asking to see anything. As far as what she's currently paying now for insurance, is there a monthly statement? If so, look at it. My insurance company also sends me biyearly contracts with everything spelled out. I keep them with the rest of my important papers, maybe his mom does too?

seriously reconsider whether or not you really need cable TV and internet. it is SO expensive these days, and it sounds like you would benefit from the extra $100/mth that would free up.

We don't have cable and do just fine. Internet is a good resource, but I think it is one area you could cut on until you get your feet on the ground.

True, I pay just 12.95 for basic cable (otherwise I would get no TV reception at all). I kind of miss Deadwood and Battlestar Galactica, but I just rent them when they come out on DVD.

I definatley think you need to move out. they way they are 'discriminating' ISN'T RIGHT. Plus it looks like you have it al planned out money wise...and I see that you live in ontario, which make buying fruit and veggies a bit less expensive with the markets and all! I have been able to get buy spending 80-90 bucks on groceries including th healthy stuff...I have reliazed going to food basics at the beginging of th week i can get really good produce!

good luck

I just went to an insurance place, they just needed my postal code, type of car and how long I've had my insurance.

It's amazing the little things that can come up from moving out, but it's SO worth it!!!! I would also say consider getting basic cable, and then download any shows you can't live without. You can find almost anything online these days.

I wish you the best of luck with moving out

-Aimee

If we got caught looking at her bills she would shoot us! lol She keeps the cabinet that she keeps her paper work in locked as well.

I don't think we could give up internet or TV, we would go crazy especially living in such a small town, and we would only be getting basic cable, and thats $30.50/mth for 40 channels ($19.95 hook up fee), which is what we want, and internet is $39.95/mth ($9.95 hook up fee) besides I need the internet to finish up 2 of my school courses in september.

I didn't notice where you had a car payment listed. If there is no money owed on the car, you can get liability insurance which is really cheap. My son is 20 yrs. old and has a 1997 jeep wrangler and liability insurance costs him only $30.00 monthly. This would save a lot of money compared to full-coverage insurance. Also, $52.00 a carton for cigarettes is very expensive, have him try to find a generic brand that he likes. They are cheaper, about $22.00 a carton, this is what I get for my DH who smokes.

yeah, internet is a MUST when you are in school...

Okay, advice from someone who moved out with NOTHING:

1) Buy bulk in things that you know you will need. From food to toiletries, etc, if you go through it fast enough, bulk is generally cheaper in the long run.

2) Dollar stores. Seriously, if you have nothing, dollar store stuff doesn't sound quite so bad. When I first moved out on my own, I literally bought 90% of my kitchen stuff and cleaning supplies at the dollar store.

3) Really focus on needs vs wants. If you want something, save for it. If you can't live without it right this minute, rethink and then if you still need it that bad, get it. (Common sense, I know, but apparently I didn't learn that very well when I was younger - it took several months of living off of $25/month for groceries before I realized this)

4) It will be hard. Other days, it will be harder. Eventually it gets better, but the first year is rough.

Car insurance is relatively cheap if you have only liability, depending on the make/model and how new it is. Check out geico.com or other similar sites. They'll give you a good idea of how much it will cost, without having to have them see the vehicle.

Renting a place that has all utilities included is ideal, but may not be possible. I know here, it's harder and harder to find places like that. Make sure you read the fine print - when I moved in here, I didn't realize I'd end up paying the gas/electricity after I'd been here 6 months. Deposits for these are very costly depending on the area.

Check into renting apartments/efficiencies that are furnished. If you can't find any, check out the local Salvation Armys or Goodwill/Secondhand stores.

Good luck!

Check out progressive.com for a car insurance quote. I used to work in the insurance field and it would be much cheaper for you to get a policy instead of your bf if he has a valid license than he can drive your car with no problem. I gave tons of quotes over the phone without ever seeing a car so if you know what type it is you can get a quote. But your insurance is going to be roughly double on your own as what your parents are paying since they have been insured longer are probably getting a multi-car discount and discount for insuring there home also. If you are under twenty five with no tickets or accidents and just want liabiltiy I would guess around $75-100 per month. If your boyfriend insures the same car and is under 25 it probably will be $100+ for liablilty per month. I would highly suggest calling or visiting Progressive.com because that is who we use for all new drivers with no previous policy of their own. If you need full coverage that is going to get expensive $150+ per month. It all depends on area, driving record, credit history, car make and model, your age, ect.... There are 60+ things that figure into a quote so no two are alike. Good luck.

I don't know how much more direct the parents can be in letting you know they want you and your bf to move out, and sounds as if it is time for you to do so.

Reference your budget though... be forewarned. There are going to be a LOT of extra things come up that you are totally unprepared for, and they will not be cheap. Also little things like light bulbs, laundry supplies (or even more if you have to use a coin laundry as they are NOT cheap). Welcome to the real world. You will find there is not going to be someone standing there to give you a couch if you need one or care whether or not there is a door on your bedroom unless YOU make sure it is there or put it there. You're going to want things like curtains and misc. items. You are saying you don't have furniture because they won't give it to you... but planning to spend your $$$ on tattoos and cute pants. Better off to go buy a couch.

It's interesting that you complain because they ate food you bought... because they didn't supply food so you had to buy your own... you expect to be able to eat THEIR food but they should not eat yours?

And yah a lot of utilities included do NOT include such things as water, trash pickup, or other stuff.

I don't agree that the parents are controlling... sounds like they just want their adult son and his girlfriend to find a way to make it on their own, which is a very reasonable request IMO.

Don't mean to sound harsh... but we all have to grow up sometime and can't expect others to support us. I think they have been quite generous.

He doesn't owe anything on the car, his parents bought it and he paid them back, and he doesn't smoke a "name brand" it is a generic brand, and we go the corner store here that sells the carton cheaper, the other corner store is $57 for a carton..

we have been together 4 years, known eachother for 6...so putting up with this kind of stuff is not new, we've put up with alot from them and it just continues to worsen, but they don't see it our way, if we try to talk to them they turn it around and make it all about them, and nothing will ever change. I totally agree that she is controlling, she doesn't even know we have a credit card b/c she won't let her 20 year old son have one, she doesn't know about our cell phones either b/c she would freak out, her daughter is 25 and wants to get married (she lives on her own) but my bf's mom thinks she is "too young and with the wrong guy"...