Living on your own for the first time can be exciting, but it’s also a bit scary. Fetch is here with a breakdown of everything you need to know to live alone for the first time, including the average monthly expenses for a single person, how to afford living alone and a checklist of essentials for your first time living solo.
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5 Benefits of Living Alone
While there are some cons, there are a lot of pros to living on your own. Here are five of our favorite benefits of living alone:
- Guaranteed Privacy – You’re the only one with keys, so you’ve got all the alone time you want.
- Clean How You Like – No two people have the same idea of “clean,” and living on your own means keeping your home just as tidy as you’d like.
- Visitors When You Want – Double (or triple) feature movie nights? Hosting brunch for your friends? You call the shots on who gets to come over and for how long.
- Creative Freedom – Whether you’ve got a big space or a studio apartment, it’s yours to organize and decorate how you want (check with your landlord, they might even let you paint).
- No Sharing – Living with a roommate means sharing a lot. Maybe they use too much dish soap or never put the skillet away. Maybe you just like your things remaining yours. Living on your own means you don’t need to share.
First Time Living Alone Checklist
There’s never a good time to discover you don’t own a plunger. Our first time living alone checklist covers the foundational things you’ll need; we trust you to know you’ll need things like groceries and toilet paper.
Living Room Necessities
- Couch or loveseat
- Coffee table
- End tables
- Television
- Shelves
- TV stand
- Lamps
- Throw pillows
Bedroom Necessities
- Bed (mattress, bed frame, foundation/box spring)
- Extra set of sheets
- Pillows
- Dresser
- Nightstand(s)
- Hangers
- Lamps
- Mirror
Bathroom/Laundry Necessities
- Plunger
- Toilet brush
- Bath mat
- More towels than you think you need
- First aid kit
- Iron
- Ironing board
- Clothes drying rack
Kitchen Necessities
- Toaster
- Microwave
- Nonstick pots and pans
- Cooking utensils
- Dishes and silverware
- Leftover storage containers
- Dish towels
- Multi-purpose cookers (think Instant Pot or air fryer)
- Cleaning supplies
- Cookie sheet(s)
- Fire extinguisher
Wondering what you need for groceries? We’ve got you covered with some tips for solo grocery shopping.
Printable Checklist for Your First Time Living Alone
Average Monthly Expenses for One Person Living Alone
The average monthly expenses for a single person will depend quite a bit on where you live, and if you’re living alone for the first time, you might be surprised that most things cost more, not just your rent.
- The national average expenses for a single person living alone are around $3,500 per month.
- MIT estimates the average expenses for one person living alone in South Carolina are just $2,500 per month.
- Your expenses will be higher in a place like New York City or San Francisco, where the rent is often as much as total expenses in smaller cities.
Most people recommend a 50/30/20 budget, with no more than 50% of your take-home pay going to essentials, with 30% going to entertainment and vacations and 20% to savings (or paying off debt)
How to Afford Living Alone for the First Time
Those average monthly expenses for living alone might seem high, but it’s easy to afford living alone if you put a bit of thought into it. Here are some pointers:
- Make a Budget – Your money needs to be able to go a little further when living on your own. Creating a budget and sticking to it makes everything a little easier.
- Buy Bulk – For shelf stable items and dry goods, consider buying more than you need to save a bit on your grocery bill.
- Eat In – You’ve got your own place; rather than going out, why not invite friends over to make a meal together or have a potluck?
- Use Public Transit – If you’re in a big enough city, you’ve likely got buses and trains that cost a fraction of owning a car or calling a rideshare service.
- Outsource Things – Have your groceries delivered. Use Blue Apron for meal planning. If it means making better use of your time, sometimes it’s better to pay others to do things for you.
- Get Creative with Streaming – “It’s just $10.” That’s true when it’s one streaming service, but once you have three, four, five, or more, it becomes a serious expense. We’ve got tips for saving on streaming.
- Use Your Library – Libraries have books, sure, but they also have quite a few other entertainment options (and many offer free entry to local attractions, like museums). Take advantage of free programs to save yourself some money.
- Rewards Programs – Nearly everywhere you shop is going to have some kind of rewards program, and most are free. You can save even more on top of that by using America’s rewards app, Fetch.
Living on Your Own is Easier with Fetch
The Fetch receipt app makes living alone for the first time easier; here’s how:
- Free Gift Cards – Simply snap your receipt after shopping and start racking up the points toward free gift cards. Sync up your email to have Fetch automatically snap your eReceipts!
- Special Offers – Make your shopping lists using Fetch as your preferred grocery app so you can see the brands and products that have special offers and bonus points, piling on the points.
Start Snapping Receipts With Fetch Today
We think the pros of living alone far outweigh the cons, and it gets even easier when your everyday expenses earn you points toward gift cards. So download the Fetch app, start snapping your receipts and put to rest any worries about the expenses of living alone.
FAQs
8 tips on how to live alone and actually embrace it
- Strengthen your social network. While living alone, maintain and expand your social connections. ...
- Refresh your routine. ...
- Explore new activities. ...
- Create your ideal space. ...
- Embrace solitude. ...
- Stay active. ...
- Cultivate self-compassion. ...
- Seek out community.
What should I buy when living alone for the first time? ›
But now that you're living solo, it's all up to you (unless your mom is super sweet and feels like driving over). Keep a supply of pain killers and other medicines on hand, plus tissues, a thermometer and disinfectant sprays. Ditto for nonperishable foods (like canned chicken soup and dried pasta).
How much money do I need to live by myself? ›
The average monthly expenses for a single person will depend quite a bit on where you live, and if you're living alone for the first time, you might be surprised that most things cost more, not just your rent. The national average expenses for a single person living alone are around $3,500 per month.
What do I need to start living on my own? ›
First Time Living Alone Checklist
- Mattress, bedding and pillows. The first thing worth your investment or time to get is a bed. ...
- First Aid Kit. ...
- Tool Kit. ...
- Toilet Paper. ...
- Cleaning Supplies. ...
- Kitchen Utensils. ...
- Clothing Hangers. ...
- Batteries and extension Cords.
What is the best age to live alone? ›
What is the best age to start living alone? While most people start living alone in their 20s, there's no single “best” time. Everyone's circ*mstances and reasons for living independently are different.
What happens when you start living alone? ›
Living alone gives you that freedom, of course, but it also brings with it the ability to be actively independent. Anyone can be independent (even when living as a couple), but living alone brings with it authentic independence and self-discipline like nothing else.
What is a good salary to live alone? ›
Living Wages in All 50 States
Rank | State | Income Required |
---|
47 | New York | $73,226 |
48 | California | $80,013 |
49 | Massachusetts | $87,909 |
50 | Hawaii | $112,411 |
46 more rowsMay 29, 2024
How to live alone and afford it? ›
Budgeting Tips When You Want To Live Alone But Can't Afford It
- 1.1 Examine Your Priorities.
- 1.2 Lower Your Housing Standards.
- 1.3 Shop Around for Utilities.
- 1.4 Cook at Home.
- 1.5 Budget for Fun.
- 1.6 Use Public Transportation.
- 1.7 Negotiate a Raise.
- 1.8 Get a Side Gig.
What to do when you're home alone for the first time? ›
You can try to meditate or step up your fitness routine. You can make a dent in your to-be-read pile or finally catch up on your favorite Netflix shows. You can learn a new skill, like cooking or gardening. You can even spend a night (or weekend) catching up on sleep.
What is a living wage in the US for a single person? ›
To live “comfortably” as a single person in 99 of the largest U.S. metro areas, you'll need a median income of $93,933, according to a recent SmartAsset analysis.
$4000 a month isn't anywhere close to the poverty line unless you're living in like NY or SF. It's almost 4x above the poverty line on a federal level. If you make that much and don't live in a big city you should be counting your blessings.
Is 30k a year poverty? ›
The Poverty Threshold in 2024
The U.S. Department of Health and Human Services uses the Census Bureau threshold to determine who is eligible for certain government assistance programs, like SNAP (food stamps). Under their guidelines, a family of four is considered impoverished if they earn $30,000 or less per year.
How much money should you have saved before living on your own? ›
The key is to start planning and saving well in advance of your intended move. As a general rule, you want to have at least six months' worth of living expenses saved up before setting off on your own. That may sound like a tall order, but these tips and strategies can help you get there.
How do I start living my life for myself? ›
14 Tips to Start Living for Yourself
- Begin The Journey Of Self-discovery. ...
- Learn To Be Happy With Who You Are. ...
- Check in regularly with Your Self-talk. ...
- Align with your personal values and Morals. ...
- Learn How To live In The Moment. ...
- Observe Your Thoughts, Feelings, And Memories. ...
- stop trying to find meaning in everything.
How to start a new life alone? ›
Short-term tips to get you started
- Avoid comparing yourself to others. ...
- Take a step back from social media. ...
- Take a phone break. ...
- Carve out time to let your mind wander. ...
- Take yourself on a date. ...
- Get physical. ...
- Spend time with nature. ...
- Lean into the perks of being alone.
How to cope with loneliness when living alone? ›
Some people who live alone find it comforting to have some background noise. This could be the television, the radio or a podcast you enjoy. It may help to start doing activities you enjoy by yourself. For example, going for a walk in your local area, doing some arts and crafts or cooking a meal from scratch.
How do you deal with being alone for the first time? ›
Follow these tips to embrace single living and carve out a life you enjoy:
- Make a Budget.
- Get a Spare.
- Decorate Your New Home.
- Keep Things Tidy.
- Become Self-Reliant.
- Don't Isolate Yourself.
- Meet Your Neighbors.
- Explore Your Neighborhood.
How can I train myself to live alone? ›
How do I learn to live alone?
- Stick to your routine. Whatever your routine was before you started living alone, you should try to stick to it. ...
- Speak to your loved ones. ...
- Think about the tasks that you now need to do. ...
- Get an emergency alarm. ...
- Buy a light timer. ...
- Install a security light.
How do I cope with going through life alone? ›
Taking certain steps along the way can help make the process more comfortable.
- Try Something New. “Living alone can be an opportunity to grow in ways you haven't before,” says Deutsch. ...
- Make Healthy Habits a Priority. ...
- Practice Positive Affirmations. ...
- Build a Social Network. ...
- Freshen Up the Home Front. ...
- Adopt a Pet.