33 Things Every 20-Something Should Check Before Signing that Apartment Lease

Finding an apartment can be stressful. It can be downright near impossible to find an affordable place in a big city, like New York City. While budget and location are argurably the two biggest factors, there’s a whole host of other items to consider before signing a new apartment lease.

If you need help figuring out how much you can afford to pay in rent, download my free budget template here. 

Here’s a checklist of 33 items that you should look into before moving in to your new place.

1. Water pressure levels.

2. The AC/heat situation (Central?  Window-unit: do I need to purchase it or does it comes standard? Is it controlled centrally in the building)

3. Quantity and placement of electric outlets.

4. Where the cable and/or phone outlets are located.

5. Room measurements

6. How many neighbors will you have.

7. How many registered sex offenders live within a mile radius?

8. Have there ever been any major crimes committed in or near this unit?

9. Has anyone ever died in this apartment unit before?  Ghosts, anyone?

10. Check the windows, and make sure they open and close properly.

11. Make sure all the appliances work.

12. Assess the parking situation.

13. Check the lighting both in and outside the unit.

14. Double and triple check the kitchen cabinets. (i.e. rat/mice droppings, insects and other little critters)

15. Check and flush the toilet(s) a few times. The last thing you want to deal with is weekly bathroom floods.

16. Try to negotiate an out-clause or at least favorable sub-lease terms, should you need it.

17. Ask about the pet policy,

18. What’s the maintenance policy? Ideally, it should be 24/7 hotline.

19. Invest in renters’ insurance. It’s very affordable and will offer you peace of mind, not to mention many apartment buildings now require it.

20. Make sure to ask if the landlord intends to show your apartment near the end of your lease. Not uncommon in NYC. Negotiate accordingly.

21. Inspect the apartment thoroughly for broken fixtures, stains and/or dents in any walls.

22. Check for mold and mildew especially in the bathroom(s) and near the kitchen sink.

23. If it’s an older building, ask if they use lead paint.

24. Find out about the electric situation before you move in. This also includes searching for the fuse box.

Trust me as someone who has personally blown a fuse on like day 2 of her new apartment, it’s worth asking.

25. Check for working smoke alarms and fire sprinklers.

26. Ask if you can hammer/nail into the walls. What’s the process of “cleaning it up” at move out time?

27. Early cancellation fees

28. If it’s a smaller building or duplex owned by the landlord, check to make sure he/she is paying the bills regularly. The last thing that you want is to get a notice from the electric company saying so and so has X days to pay the bill or they are shutting off the lights in all the common areas (been there?) or worse, getting a foreclosure notice in the mail.

29. Previous tenant histories

30. Swing by the apartment at several different times of the day (i.e. at least morning and/at night) before signing a lease. An apartment that could look amazingly safe and secure during the day can turn super sketchy at night.

31. Make sure the walkways to get from your car to inside your apartment are well-light and reasonably safe.

32. Noise complaints/violations

33. Visitor policies (guest limits, limitations on how many nights overnight guests can stay, etc.)

Lastly, not sure how much money you can afford to pay each month in rent? Download my free monthly budget template here.  

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18 Thoughts Every 20-Something Ponders While Watching House Hunters

BuyingNaked

I have a confession. I am majorly addicted to HGTV’s House Hunters. It’s one of my guilty pleasures. Maybe, it has something to do with being 26 and living in apartments for years now, that has me fantasizing what it may be like to own property one day. Add in a large amount of scripting and some crazy characters. You have one of the most entertaining (and borderline educational) reality shows.

1. Who exactly are these mid-20 something couples that are buying half a million dollar vacation homes on the beach?

Who are these couples? What are their jobs? And, how the hell do they have so much disposable income. I can barely pay a ~$1000 in rent each month. These folks have two mortgages. How?

2. I wonder how many of the couples on House Hunters are still married in a year. Every couple on this show bickers so much. Literally.  These cannot be happy marriages.

3. Why is everyone so obsessed with granite countertops and stainless steel appliances?

4. And hardwood floors.

5. And a fully-updated man cave in the basement.  Also, what exactly constitutes a man-cave anyway?

6. And a GINORMOUS walk-in closet.

7.  And lots of privacy in the fully fenced in backyard.

8. Who are these single 20-somethings buying luxury apartments in midtown Manhattan?

9. Who at TLC thought it would be a good idea to create a House Hunters Spin-off called, “Buying Naked.” It follows couples looking to buy homes in a nudist colony in Pasco County, Florida.

10. I wonder how much time a poor Production Assistant (PA) had to spend hunting down ridiculous props to cover all the man and lady parts on Buying Naked.

11. Why are so many women on the show obsessed with child safety features? They don’t have any kids and she isn’t even flipping pregnant yet.

12. Whenever a realtor shows them a house just “outside their budget.” It’s really more than $50,000 over.

13. Will people judge me if I livetweet the shenanigans that this couple are saying right now?

14. Oh, you hate the burnt orange and bright yellow paint colors? It’s just paint. You can pick up some of your favorite colors from Home Depot and re-do the room. It’s really not hard, people.

15. Oh no, there’s carpet in the master bedroom. Instant deal breaker.

16. In the off-chance I’m ever financially stable and emotionally ready to buy a house, how do I get on this show? Here’s how you can apply.

17. Has anyone ever tried this House Hunters drinking game? And survived?

18. Seriously, how many people will judge me if I live-tweet the shenanigans on this show? For realsies.

What thoughts have you had while watching House Hunters? Please share them below in the comment section. 

Gen Y Budgeting Tips: 11 Things You Shouldn’t Try To Buy Cheap

If you are in your twenties, like me, there’s a good chance that you aren’t exactly rolling in large amounts of money. Budgeting builds character and responsibility. When you find something below your budget, it can feel super empowering. However, not all cheap deals are worth taking. Here’s a few things that you really shouldn’t try to get a “deal on.” It may hurt the wallet a bit, but trust me, these things are worth it.

1. Laser Hair Removal/Botox/Plastic Surgery

Now, I’ve lost count of the number of daily deal emails I’ve seen for Botox and other body-enhancing medical procedures. Let’s just say qualifications, experience and referrals should triumph a potentially life-threatening cheap find.

2. Gun Safety and Instruction Classes

This should be a no brainer. If I’m going to learn to operate something that can potentially harm me and the people around me, I want to make sure I’m in good experienced hands.

3. Sushi

It’s raw fish. Seeing a deal should raise your spidey senses. Food poisoning, anyone?

4. Physicians

I’ve kind of touched upon this already, but the best doctors are the ones with raving referrals and an extensive track record of excellence. That’s usually not the cheap ones on deal sites.

5. Lawyers

Again, this is just like physicians. Experience and an excellent track record should triumph getting a good deal.

6. Mechanics and auto repairs

Now, I confess I always feel like a fish out of water in auto repair shops. I always have that vague sense I’m going to be ripped off, but I don’t really know enough to ask. That being said if you don’t want to find yourself stranded on the highway, it’s best to make sure that you find reputable mechanics.

7. Skydiving

Now, if you are crazy enough to jump out of a perfectly good airplane, I’d hope you would research the skydiving company and their safety history. But then again, you could just be crazy enough to buy a deal anyway, and then I wish you the best of luck.

8. Lifevests and life rafts

If you ever found yourself in the unfortunate situation of being in a boat wreck, the last thing you probably want to think about is if your life raft will keep you afloat until you get back on dry land.

9. Condoms

If you aren’t ready to be a mommy or daddy yet? Or, don’t want any STDs? You should probably spend the extra dollar(s) on the legit condoms. Nuff said.

10. Travel/Vacations

Vacations are a chance for you to de-stress, relax, and make memories that will last a lifetime. Sacrificing fun and relaxation for the cheapest deals is not recommended. If you have the resources (or wait a few extra months to save), so you can splurge on that nice hotel room or the flight that doesn’t live at 4 a.m. from the airport that is 1.5 hour from your house.

11. Mattresses

Bed bugs, anyone? Not only will you most likely be sacrificing comfort, but who wants to buy and sleep on that “gently used” mattress full of dust mites, hair, and God knows what else.

What items do you never buy cheap? Please leave them below in the comment section.