Bank on Robyn

hey ladies and gents, what is??
I want that to be how I say wassup from now on lmao.

So, we’re in month 5? Would I count the month that I moved in, no right? Then we’re in month four of livingggggg, singleeee.

and man. How did we even get here lmao

The economy is shit. What is economy?

The wealth and resources of a country or region, especially in terms of the production and consumption of goods and services.

man, it’s like thirty definitions.

I don’t know how we define anything when one word can have several different definitions, spellings, and pronunciation. It’s like the first attack on humanity was giving it a language they could barely understand. Sorry.

“Moving on Out” a money talks post live at Bank on Robyn, that details how Robyn went about moving into a new place. The author shares a few tips describing her journey into independence.

Today’s theme is, “life goes on.”

Alright. My goals had been the same for the last several years. I knew I didn’t really like depending on others for much of anything, so getting a car became my first priority. I think the thing about never doing something is you really don’t know until you ask. So that’s easily tip #1.

Tip #1: Questions are answers too.

I was just saying today, it’s like my generation is scared to do; everything. And sure, social anxiety. Okay, let’s make this really quick. Yes, it’s them damn phones, the internet, social media, all of it: ruining human interaction.

There’s this video where the gentleman asks the viewer to not look at their phone, and he begins asking a series of questions, “what’s 63 divided by 7,” “how many numbers can you remember without using your phone?” Message lmfaoo!!!!

Our overreliance on these tools and resources, that were only supposed to make life easier; has made us either dumber or lazier. Yet, we’re convinced this is the most advanced we’ve seen society. I mean, sure.

Imagine if everything you ever needed to know was right at your hand.

I try to say things in a cute way, “can you imagine,” lmfao, it just gets me further from my point. Basically, why ask questions if I already the know answer? And if not, I’ll google it. Have we actually learned anything, or are we truly basing this all from memory?

A blog post for another day lmfao. alright.

Basically, I started with these questions:

• “What all do I need to move into an apartment?
• “What questions do you ask on an apartment tour?
• “When am I trying to move by?”

And the more questions I asked, the more questions I realized I had. To begin, I started with light research using search engines such as Google. I found several articles on “Apartments.com, Renter’s List,” with several suggestions. I guess the next tip I’d mention:

Tip #2: Every situation is different.

Like obviously. Noticeably, the articles would attempt to be as broad as possible to accommodate these differences. For example, it’s not a guarantee that your security deposit will only be half of your rent. You could pay up to 1.5x the rent, it really just all depends on your background check. It’s best to plan to spend the most on any scale, which leads me to tip #3:

Tip #3: Know your dollar.

If you don’t already have some kind of tracking on your expenses, this is your time to shine lol. List all that you pay. Even the nonrecurring expenses. I went week by week listing my expenses. By this time, I was working the weekends too. So, for each week, I could see all that I had to pay within that pay period. Once I knew, what was going out, what was coming in: I built a mock or “goal budget”

It kind of looked like this:

• Rent: $1000
• Utilities: $250
• Internet: $120
• Groceries: $450
• Renter’s insurance: $29
• Miscellaneous (gas, hair appointments, etc.): $600
• = $2249

It should be as plain as possible, categorized, and easy to understand. For each apartment that sparked my interest, I could plug in the different values and see where my best fit would be. And here is tip #4.

Tip #4: Never settle for just one. 

I planned multiple tours, with 1-hour blocks for each. I think I saw at least 8 apartments; some were in my range; some weren’t even in the running. And that is what we call comparison shopping: get the best for your buck. And here’s the kicker, YOU determine what’s best! teehee!

The best thing about having options, is knowing exactly where to go in case your number one lets you down. The place I really wanted, with the balcony in the bedroom…

girl my stomach dropped lmfao.

DENIED. Well, whyyy?
I never really got an answer. I do think my lack of rental history really steered them away, and you know what else. Three of the eight apartments that I toured, were all owned by that same property management.

So–“can you imagine,” lmfaoooo.
Don’t let one no, stop you.

Where are we?

• Tip #1: Questions are answers too.
• Tip #2: Every situation is different.
• Tip #3: Know your dollar
• Tip #4: Never settle for just one.

Once I knew which apartment I’d be calling home, I made a checklist for each room. This became my “Move Out Expense Fund.” This fund included move-in essentials such as toilet paper and body wash; the security deposit and first month’s rent, mandatory renter’s insurance, and stocking up the fridge. The magic number was 3k. My final tip I suggest:

Tip #5: You don't need everything. 

Did I reach 3k? Nay lmao. I was working my ass off. It wasn’t until I got the key, that I was like. Oh no, this is everything. Would I have loved to hire movers and get all new furniture:

but.

It’s okay to build as you go.
Just got this thought, sometimes there is no plan, sometimes there’s just action. Been stuck trying to think of a master plan for so long, and in reality, you just needed to move.

this is so long winded and all over the place. Is this even about money? If you’re moving on your own for the first time, don’t read this lmao.

Seriously though.
I have to take a moment and thank you for exploring Bank on Robyn. I truly appreciate every reader that comes across the site.

It’s a pleasure to learn with you, and I truly hope you leave feeling lighter.

k bye

robyn