Setting up home for the first time
Moving out of the family home for the first time can be great but it can be really difficult. If at all possible it is best to plan ahead to make sure you get the best accommodation you can, at the time you're ready, before you move out.
Be aware of the costs of living somewhere else:
- To rent privately you will normally have to pay agent's fees, a deposit and rent in advance.
- Housing association homes are unfurnished so the tenant has to provide all furniture including a cooker and fridge and typically carpets and curtains
- To buy you will need a substantial deposit, typically at least 10% of the property value or 5% under the Government's Help to Buy scheme
Save up before you move out
So if at all possible you need to save up before you leave home. You can save with a bank or building society, or if you save with a credit union then after a few months you may be able to borrow the rest of the money you need to rent; see Money Spider Credit Union or Staffordshire Credit Union.
Work out what you will be able to afford to pay each month. You will have to pay the rent or mortgage. To live in a self-contained home you will also have to pay bills for council tax, water and sewage, gas and electricity. In shared accommodation these costs are often included in the rent. You will also need to pay for a TV licence and for a land line/broadband if you want it, and it is wise to make sure you have contents insurance.
If you will need Housing benefit, when single and under 35 you are normally only entitled to the shared accommodation rate for private rented housing.
In most of East Staffordshire this is currently (2016-17) just £260.89 per month (£60.40 per week). This is not enough to pay for self-contained accommodation, and there are very few rooms available to people who are not working or at college.
Landlords often aren't keen on renting to young people especially those on housing benefit.
You will have a much better chance of getting somewhere to live if you are working; if at all possible get a job first and then look for somewhere to live.
For local advice about finding work see Staffordshire Lets talk jobs. If you have a job then shared accommodation is likely to be your best option to start with.
If you apply for social housing (housing association housing) and you are living with your parents you are normally placed into Band 3 on the housing register. The average wait for housing in Band 3 is currently one year although if you are prepared to live anywhere you may get housing a little more quickly whereas if you want a specific area you may have to wait a lot longer.
Parents: for advice about living with young people see Family Lives.