Eleanor wrote with a question that could test even the mightiest personal finance expert. “What,” she asks, “can you do when you want to save money and your roommates don’t care?”
I share a house with four roommates. This saves me at least $200 a month from what I would be paying if I lived in an apartment. But roommates raise expenses in other, unexpected ways. I have been trying to cut down on monthly bills and am finding it incredibly difficult.
For example, I live with roommates that want digital cable and high-speed internet bundle. I can live without the cable (I don’t watch TV) and don’t mind having a lower-speed connection. But because three of my five roommates want the more expensive package, that’s what we get, and instead of splitting a $60/month bill five ways we’re splitting a $100/month bill. I end up paying more money overall. While I can simply not watch cable and argue with them that I won’t pay for that fractional cost of the bill, there’s no way I can somehow use a lower speed internet connection without some serious technological finagling.
Another way I find it difficult to cut down on monthly bills is electricity usage. I try to turn off lights, appliances, the air conditioner, and my computer when I’m not using them. My roommates would prefer to leave their computers and air conditioner on and are not as vigilant as turning off lights. The electricity bill is higher, but it still gets split five ways. Again, I have no idea how I would go about dividing the bill by individual electricity usage — how would you even start to go about measuring such a thing, when no one remembers who left the kitchen light on?
But perhaps I’m being too nitpicky — as annoying as these extra expenses are, I doubt they make it worth moving to an apartment.
It’s been a l-o-n-g time since I lived with roommates — wife and cats notwithstanding — and I’ve forgotten some of the stuff that occurs. I certainly remember the passive-aggressive games we used to play out of spite, but I think that, in general, I never had a living situation in which splitting money was an issue.
AskMetafilter often has roommate-related questions. Many of them involve money problems, but none that I could find involve this sort of problem. Though it doesn’t address Eleanor’s specific concerns, UK-based iOWEYOU looks like a great little web tool for tracking roommate accounts:
iOWEYOU is an expenses sharing calculator. It is ideal for people living in a shared house. To use iOWEYOU, you log all the items you buy that you share with your group. This may be bills, food shopping, light bulbs, TV license, etc., etc. iOWEYOU then tells you how much you all owe each other.
What general advice do you have for keeping money matters between roommates peaceful but fair? What specific advice do you have for Eleanor?
In our latest real estate tech entrepreneur interview, we’re speaking with Paul Burke from ColivingCircle.
Who are you and what do you do?
I’m the Founder and CEO of ColivingCircle, a marketplace for finding coliving. I’m a solo founder working on everything from development, design and content to partnerships and customer support.
What problem does your product/service solve?
As coliving grows in popularity among renters we’re seeing more companies enter the space. Because every coliving space is unique – geared towards different lifestyles and interests, there is a need to provide a marketplace that helps consumers find the right coliving space for them.
You previously built RentHoop to connect roommates (interview is here). What learnings from that led you to your new product, ColivingCircle?
We’re actually talking to buyers regarding selling RentHoop which will be the end of a long chapter of my life that occupied most of my mid-20s.
As a first-time founder, I didn’t have the context or experience to know how to best build a product, evaluate an industry, allocate resources or manage a team. It’s all trial by fire when you’re just starting.
Over a span of a couple of years, I began to develop a level of objectivity that helped me see the industry from a different light. While the need for a product like RentHoop was, and still is, massive, there’s a reason people still use Craigslist, primarily, for finding roommates. It’s a tough business to monetize until you achieve density, scale and products people will pay for. Those things typically require a good amount of capital, especially for a low-velocity product like finding a roommate, room or sublet.
My goals this time around are very different than they were for RentHoop. For ColivingCircle, I am not looking to build a ‘startup,’ one optimized for user growth and raising money from VC’s, but a business with limited overhead that seeks profitability and can be self-sustaining.
What are you most excited about right now?
Coliving is “the antithesis to social distancing” as Rolling Stones Magazine put it. In the short-term, many coliving spaces are taking a hit.
The positive is that many people who are sticking it out in coliving spaces are able to experience community in a wonderful way. From some of the interviews I’ve done on the ColivingCircle podcast, we’re hearing about how people don’t feel isolated or lonely because they have others around.
We’re going to see demand for coliving explode in the next year and enter the mainstream.
What’s next for you?
Continue to advocate for the industry and connect people with a coliving space near them. We already have about a dozen partnerships with coliving spaces in the United States so we’re excited to officially launch!
What’s a cause you’re passionate about and why?
I’m half-Egyptian and those roots are extremely important to me. My family and I took a trip to Egypt this past September and we got the opportunity to work closely with a boys and girls orphanage. In the last week we were able to purchase them a school bus with the help of some family and friends. We continue to support them so they can receive an education and the opportunity to live out their dreams.
Thanks to Paul for sharing an update to his story. If you’d like to connect, find him on LinkedIn here.
We’re constantly looking for great real estate tech entrepreneurs to feature. If that’s you, please read this post — then drop me a line (drew @ geekestatelabs dot com).
What could be worse if childbirth is considered one of life’s greatest pains? It turns out that people actually have a long list of experiences that rival labor pain! From dental work to broken bones, we’ll discuss the 15 most painful things—and why they may hurt more than expected. Whether you’re looking for an informative read or simply some good storytelling, this blog post will provide an engaging look into just how strong people can be when faced with a considerable amount of pain.
1. Kidney Stones
One user shared a story, “My mom always makes a point to remind me that she birthed me naturally with no pain medications or the like and that she was in labor with me for 22 hours, with contractions starting the first hour, and it was quite a pain. Eight or so years later, she had a few large kidney stones and said it was way worse.”
One user replied, “Side note, I don’t get parents who hold a difficult birth over their kids, as though they had something to do with it. It’s always like, ‘Well, who was the adult in that situation?’ Don’t get me started on parents who hold providing food and shelter over their kids—like congrats on doing your legal and ethical obligations.”
Another user added, “I think moms like to use it as a status symbol, kind of. I think it can be cute if you’re just playfully saying something like, ‘And you took 36 hours to get here!!! Yeesh!!’ Rather than, ‘You ruined my body, and now I hate myself.’ I personally have a 1-year-old, and my labor was a really fun experience, but I will totally let my son know that his head was huge and got stuck when he’s older.”
2. Old Age with Long-Term Ailments
“My wife thought the last month of pregnancy was worse than giving birth. She said giving birth was more painful that day, but the constant tiredness and back pain was a worse experience for her. Makes me think of all those people, especially old people, with long-term ailments having to go on each day with pain,” one user shared.
Another commenter replied, “I have given birth 3 times, and I agree. The fear of the pain of labor evaporates when every day is a painful struggle, and you want to be done having that watermelon INSIDE, lol. That’s my theory on why [it’s so terrible] towards the end of pregnancy; we are happier to give birth.”
However, one Redditor said, “I’ve never been pregnant, but I have chronic pain. My best friend is currently 8 months pregnant and was complaining about it all to me a few weeks ago; she then abruptly stopped mid-sentence (I honestly thought she went into labor, lol) and, with tears in her eyes, went, ‘Is this how you feel all the time?’ Then she started sobbing; I was so shocked as she’s not normally a crier. Her husband heard her crying and came into the room to see her on FaceTime with me, gave her a hug, and mouthed ‘hormones!’ to me. It was all I could do not to burst out laughing.”
Another user commented, “That is possibly the kindest thing anybody could do for me. Realizing every day hurts and just feels something for me.”
3. Being Burned
One user shared, “Burning Alive.”
Another commenter replied, “From what I understand about it, your nerves burn first, so it’s usually fairly quick and painless. Surviving it, on the other hand.”
“That’s probably something they tell the families to make them feel better. You have nerves throughout the entirety of you… As far as quick……. well, that would depend entirely on how much of you is burning and how quickly. Yeeted into a volcano like Gollum? Yea, probably pretty quick. Pinned under a car…? Probably not very quick,” one person commented.
Another Redditor also exclaimed, “I know a powerful and resilient young man who accidentally flew his glider into power lines and survived. I think he would agree with you on that one.”
4. Losing Your Child and Wrongful Imprisonment
One user commented, “A dingo eating your baby, and you getting a prison sentence for it because no one believes you.”
Another user replied, “Also, the case of that mother recently, but it turns out they had a rare disease that looked like she had poisoned them.”
One commenter added, “His explanation ‘dingo’ over well with the jury.”
“Her. It was a woman who was jailed. It’s a real Australian case,” another person added.
5. Being Eaten
One Redditor added to the thread, “Being skinned alive.”
“Being eaten alive by a bear because they can. Lions and tigers will at least make it quick to the jugular,” replied another user.
One commenter added, “Hyenas will hold you down and eat your [butt] end first. Can’t imagine how anything could be much worse.”
6. Dog Bite
One Redditor commented, “I’ve had toothaches—pulled my tooth once. I’ve been burned and splattered with hot grease. I’ve broken bones and had a road rash. I have a pretty high tolerance for pain. But hands down, the most painful thing I have ever experienced is Dog Bite. It was the most excruciating pain I have ever felt. The massive compression combined with [breaking the bones in my hand]. Just when you think it might be over, [and the dog uses] its whole body to gain leverage… I had never screamed in my life until a pit bit my hand. I didn’t even recognize my own voice. It was the most guttural terrifying scream I had ever heard, and I couldn’t believe it came from me. Lol, Pray to god you never get bit by a really aggressive dog.
“Edit: (spelling) If you do get attacked, don’t scream it makes them even angrier.”
Another user asked, “What should one do in this scenario? Fight back? Punch the dog? Kick it?”
One user answered, “If your arm is being bitten by a dog, pressure your arm into the dog’s mouth instead of trying to rip your arm out. It puts the dog at a disadvantage because you’re applying pressure in a way they can’t counter very easily. Otherwise, yelp and try to hit their sensitive areas. Otherwise, refer yourself to these tips.”
“I’d like to add to that—if you force enough arm into the dog’s mouth to make him hyperextend his jaw, he will die. So if an aggressive dog is biting you, hyperextend his jaw. He will stop biting you,” another user shared.
7. Bullet Ants
One user posted, “According to science, and maybe this is in the comments, but I can’t believe I haven’t seen it yet… Bullet Ants. Neurotoxins cause pain several magnitudes beyond what you can experience via physical trauma…not to mention you would’ve passed out long ago had the pain derived from a physical source. Also, Irukandji jellyfish for the same reasons….”
Another user replied, “I came here, say bullet ants. I am allergic to painkillers and anesthesia. I have had all sorts of shit done, including getting my wisdom teeth pulled, and nothing is anywhere close to the bite of those f-ers.
“I don’t even know how to put into words how painful it was. It’s like your brain is causing pain, and basic functions are overwritten by pain. Even thinking about it makes me feel on edge. It’s been 14 years since it happened.”
8. Losing a Child
One user shared, “Losing a child.”
Another user replied, “Can confirm. My daughter is a missing person, and even that hurts.”
One user added, “Late miscarriage/stillbirth… All the discomfort of pregnancy, the same childbirth pains, the same long recovery time, and permanent bodily changes… But no baby.”
“My early miscarriage was comparable to childbirth as well. I was writhing in pain. I had no idea what was going on, so I think that part made it worse. With childbirth, you pretty much know what to expect and have read techniques on managing,” commented another user.
9. Pancreatitis
Another user posted, “Pancreatitis.”
One user replied, “Scrolled for this, screamed like a banshee in the ER.”
“So few have had this. There are not many upvotes that cheer me up and simultaneously scare the shit out of me (not many Whipple procedures being successfully done out there/impossible to operate on organ.) So much pain. Thanks to alcoholism for me, but at least I’m sober now… (7 years baby!)” another Redditor added.
10. Gout
“Apparently gout,” one commenter shared.
Another user added, “Gout varies a lot. I’ve never given birth, but apparently, mothers with gout often say gout is worse. My first gout attack—yeah, that was some next-level pain. I passed out from it. I can believe that might have been worse than giving birth. One or two since have been very bad, but not that bad. But most… I mean, they suck, don’t get me wrong, but I can’t imagine they hurt more than dropping a sprog.”
Another user replied, “Gout flare-ups [are terrible], that’s for sure.”
11. Lung Cancer
One user added to the thread, “Waking up after lung cancer surgery where they removed parts of 3 ribs, some chest plates, and 30% of a lung. They had to give me crazy levels of morphine and ketamine round the clock for the best part of a week. Still on pain meds 6 years later.”
12. Testicular Torsion
One user shared, “There’s only one thing in the running: Testicular torsion. It’s when a testicle gets twisted—think like twisting an apple so that the stem comes out. Considered to be one of the most painful things people can experience.”
Another Redditor replied, “I had testicular torsion when I was 14. I woke up at around 3:00 am, and I was shaking and had a lot of trouble standing. I went to my parent’s room to wake them up, and we went to the emergency room. It felt like just pure weakness and inability to move because if you accidentally moved wrong, it was over. Maybe I suppressed the rest, but I just remember waking up after the surgery was done and feeling so much better. The thing I’m most scared of is pain, and that was one of the worst experiences I’ve had.”
One person commented, “My pop, mid-80s, had this last year. Ex-military, ex-athlete, and had lots of broken bones in his life, he said this was by FAR the worst pain he has ever had. Slept in a recliner for a few months. Mine is easier, did a farmer blow to clear my nose on a cold New Year’s ever in Colo as a 12-year-old? Both eardrums blew from the inside out the next day. Was deaf for 6 months. Doc gave me a note (deaf, after all), then stated I would never again experience this level of pain. The closest I have come since was sciatica. All that said, I ain’t a woman, so I obv cannot speak to the pain of pregnancy.”
13. Almond Wedged into the Root of a Tooth
“I will never know, but when I bit down on an almond, which cracked my tooth and wedged a sliver of almond down into the root, and I needed emergency tooth pulling, the woman who was assisting the dentist afterward told me that the pain I just went through for over an hour and a half was pain she had endured in almost the same fashion, and she said to me that it was worse for her than childbirth. I have no idea if she was just saying that to make me feel better, but I don’t wish that level and intensity and duration of pain on anyone, not even Donald Trump,” one commenter posted.
Another user replied, “Kindred souls, I guess (esp your last statement, haha). I came in after biting into a chicken strip of all things, but I can only describe the feeling as like someone shoving a razor blade into my gums. It shot a shock throughout my body. The dentist looking at it, said, ‘I don’t know if I’ve ever described a tooth as angry, but this tooth is angry.’”
14. Opioid Withdrawals
One person shared, “Opioid withdrawals.”
Another user replied, “This is an interesting reply. That’s probably a type of pain that’s hard for most people to conceptualize. The mental aspects of it must be crazy too.”
“I came up with it because I’ve been through it myself. Most women I’ve spoken to said they’d prefer childbirth over it. It’s awful,” one Redditor commented.
15. Broken Femur
One user posted, “Getting your femur broken.”
Another user replied, “I broke my lower leg playing baseball. It was like Moisés Alou’s leg break, except it was done by a kid attempting a take-out slide on me. I snapped my tibia and fibula and dislocated my ankle. My hospital roommate broke his femur dirt biking. He had to get surgery. I think the hospital staff put us in the same room to humor themselves. He couldn’t make it through the night. He was in so much pain. The nurse put him on an opiate drip. His cast also had to suck because it went all the way up to his hip and groin.”
Do you agree with the things listed above? Share it below!
Source: Reddit.
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The next wave of real estate technology will bring exciting new possibilities for solving some of humanity’s biggest problems. From co-living and affordability fixes to helping solve social issues faced by a large segment of society, today’s innovators are rethinking the way we work, play, and live. Here’s a look at a few smart startups that are taking a broader approach for addressing our needs through communal thinking.
Despite a digital movement that’s grown up through social networking, globalization, and an ever increasingly interconnected world, real community has slipped through our grasp these last few decades. The millennial generation, along with the younger cohort who about to enter the workforce in the era of smartphones and laptops, they’re ironically the loneliest and most disconnected group in history. A recent nationwide survey by health insurer Cigna reveals epidemic loneliness in the U.S. This study, and others, reveal the importance of human connectedness and real community that must be rejuvenated.
This is where startups like The Assembly and The Riveter come in offer special classes, free member events, and a speaker series to help in building connections. Then there’s a startup called HubHaus that uses roommate matching algorithms to help people locate their next home and to select the people who live in it. There’s also a startup that provides dormitories for adult professionals. StarCity is all about co-living focused on not just “place,” but on finding their housemates, build relationships, and collective caring for helping each other. And there’s New York-based Ollie, which offers fully hotel-style, furnished studios and shared suites replete with luxury amenities and even curated events. And the list goes on, and on.
All these and more innovations aim to solve for regenerating community, while at the same time helping to fix America’s longstanding housing and rental crisis. Not everyone knows, but more people in America rent today than at any time since the mid 1960’s. This is ironic too, since it was the mid 20th century when co-living was the fashion. As David Friedlander put it in a 2015 story for Life Edited:
“In general, there’s a growing market for minimal, all-inclusive, affordable, community-centric housing.”
Taking the trend a step farther, this story at urbanNext predicts that “by the fourth decade of the 21st century, 70 percent of the world’s population will be urbanized.” The report goes on to frame the larger problem that will arise out of the ever-increasing cost of affordable living space. In the years to come billions of people around the world will grapple with how to find and pay for a place to live.
This digital age has cause us to redefine much of what we considered conventional wisdom. The desire for home ownership, long thought of as the “American Dream,” is one of these conventional ideas. It’s high time we reconsidered our individual and collective dreams in order to create a healthy and sustainable future for us all.
Phil Butler is a former engineer, contractor, and telecommunications professional who is editor of several influential online media outlets including part owner of Pamil Visions with wife Mihaela. Phil began his digital ramblings via several of the world’s most noted tech blogs, at the advent of blogging as a form of journalistic license. Phil is currently top interviewer, and journalist at Realty Biz News.
When it comes time to move, hiring movers is a convenient option that allows for a quick, stress-free experience. Not only can they move your items from one house to another, but they often provide additional services like boxing up your items and even unpacking them in your new place so you don’t have to lift a finger.
As a general rule, you shouldn’t skip tipping movers. They work in the service industry and should receive a tip based on overall service, similar to restaurant workers. Building a tipping budget into your moving expenses can help you show appreciation for the service provided. Here’s everything you need to know about tipping movers.
How much to tip movers
We’re used to tipping between 15 and 25 percent at restaurants, but tipping your waiter is different than tipping movers. Moving companies don’t operate the same way as restaurants and workers don’t rely mostly on their tips to make money. Movers are usually paid by the hour already, making tipping a nice gesture, though not required. However, they’re also working in the service industry like restaurant workers, and it’s generally acknowledged that you should tip service industry workers.
A good rule to keep in mind for general reference is $5 per mover per hour. Or, if you want to use the total moving cost, you can tip between 5 to 10 percent of the total bill for the entire team of movers to split.
Things to consider when tipping movers
Various factors will affect how much to tip movers. Not every move is equal and, therefore, tipping will vary. A half-day move is a lot less work than a two- or three-day ordeal. Here are a few factors that can help you decide how much to tip movers.
How many professional movers are working with you
If there are only a couple of movers that come to help you move an entire house, that means they’ll each be doing a lot of heavy lifting. On the other hand, if you’ve got a big professional moving team with lots of movers to help out, it’s likely their individual workload will be a little lighter and less strenuous.
If you’re looking at it from an individual view, it would be more appropriate to tip the smaller group of movers each a little more than if there’s a large group. You may even want to decide upfront that you’ll tip a certain percentage for the entire move, then divide that amount by the number of movers.
If the movers pack boxes for you
You might hire a professional moving company to do everything for you from beginning to end, including packing all of your things into boxes. This is a time-consuming and strategic process since it requires good organization and additional time to wrap fragile items, place them into boxes in a way that won’t break them and get boxes labeled so they’re easy to unpack.
If movers are packing boxes for you, it’s best to tip them for the extra work! Keep in mind that if you’re moving far away, there are possibly separate crews for packing your belongings into boxes and loading and unloading the truck. You’ll want to check with the moving company to make sure you’re tipping each crew accordingly.
Large or heavy objects
Movers that take care of really big or heavy items have a risky job — they’re careful and strong to make sure they don’t do any damage to the items or to the home as they move things in and out.
When you’re tipping a crew that moves large, heavy furniture, remember that they have a stressful and important task. If they do it well, it will save you from paying for a new item or repairing your home. After all, if piano movers drop a grand piano on the floor, it’s going to do some damage all around. But, a good mover will ensure that doesn’t happen and you can show your gratitude for a job well-done with a tip amount that reflects your gratitude.
Size and number of boxes
No matter how many or how few boxes and belongings you’re planning on moving, it’s going to take at least a few trips in and out of the house to get it all. However, the size and number of boxes can make a difference. Lots of big boxes might seem like it will be quicker and you can take fewer trips in and out to get them loaded. But, if they’re too bulky or heavy, it will take longer to move them as they might require moving slowly or more than one person to lift them.
Opposite that scenario, you might have a lot of little boxes to avoid things being too heavy, and lots of boxes mean lots of trips, even if they’re small and you take a few at a time. You need to find the sweet spot between the size of boxes and the weight of the objects they hold to ensure the movers are efficient.
Distance of the move
A quick local move is very different from a cross-country move. Usually, local moves will take much less time than a long-distance move. And, you’ll likely have the same crew helping you load your stuff from your old place and unload at your new home.
But, if you’re moving across the country, there’s a good chance you’ll work with multiple crews. One crew might pack your items into boxes, another will load your stuff into the truck. A separate crew may transport your items, with a different crew unloading the truck when you reach your destination. That’s a lot of long-distance movers and a lot of time spent helping you. Make sure you factor that in when deciding how much to tip movers.
Length of the move
You can typically expect long-distance moves to take more time. But, there are cases when shorter distances actually take more time. This is dependent on the number of items or boxes you’re moving or if you end up waiting around for one reason or another.
Being unorganized as a customer and not planning anything out can end up taking longer, especially if you have a partner or roommate that you’re moving with. If you constantly have to ask your partner or roommate where something is going and then relaying that information to the movers, it’s going to take a long time to get things settled.
And, if you do end up waiting around at any point, don’t assume you shouldn’t tip your movers for that time — although they may do much, they’re still spending their time there and it keeps them from working on other potential moving jobs that they could make money from. Be considerate of not just the effort, but the total time movers spend helping with your move. They don’t want to stand around for a half day just as much as you don’t.
The overall difficulty of the move
There are other elements to think about when considering how much to tip movers. Keep in mind the difficulty involved for your entire move when you tip movers. The number of rooms, size of the house, flights of stairs and even the weather conditions.
Going up and down multiple flights of stairs in hot weather is not ideal. Even the most hardworking movers will have difficulty with it. Movers expect to deal with some hard scenarios on moving day. But, getting a good tip for extra hard work and great service is greatly appreciated.
How to tip movers
The method of tipping will depend on what you have on hand and the movers. Tipping etiquette is very casual and flexible. Whether you carry cash or keep it electronic, there’s a way for you to tip movers.
Cash tip
Cash tips are almost always the easiest way to make sure the people actually helping with your move get the exact amount you want. When you’re handing the money directly to each crew member, you’re guaranteed that they’re getting the appropriate amount.
Credit card tip
Many companies will allow you to add a tip when you pay for your move with a credit card. Most moving companies will pass the tip along to each moving crew member in some way. But, it also might mean that the company takes a shared percentage.
Cash apps
As we continually move away from cash in our society, cash apps work just as well! You’ll need to see if the movers have accounts on the cash apps you use so you can tip directly. But, most people use the same cash apps, so it’s probably not too big of a barrier.
Contact the moving company
If your move went well, but you pre-paid or forgot to tip your movers, you can contact the moving company. They’ll give you the best option for tipping. And, they should have a record of which crew members moved you so you can ensure the right people are getting a tip from you.
Food
It’s not quite the same as giving money, but most movers appreciate any food you provide! You can provide food as an extra “thank you,” though you should give it in addition to a monetary tip. You can offer smaller snacks and sports drinks. Or, if you’re ready to really good the extra mile, hold a crew lunch and give a meal like pizza or another takeout.
When to tip movers
The best time to tip movers can depend on a few factors. There’s not one “most appropriate” time to tip movers. You’ll have to decide when is the best time for you to tip your movers.
Before you move
If you want to make sure your moving crew does a great job, you can give a tip upfront to motivate the moving team. However, they might provide poor service and you may feel like you gave a larger tip than necessary. Or, they might have done better than you expected and you feel you haven’t tipped enough.
During the move
Especially if your move is long and far and you know you’ll be working with multiple teams, you can opt to tip long-distance movers throughout the process. You’re showing appreciation for the work that’s already been done. And, you’re giving a little extra motivation for the movers to keep doing good work.
You’re also making sure that you tip the right people for the time they work. Some might only work for a few hours, while others are there the entire day. You don’t want to miss the chance to tip if someone leaves earlier than anticipated.
After the move
Tipping after the move is a safe bet because you’ve seen the work from beginning to end. You can gauge how well every part of the process went and tip accordingly.
Tipping is appreciated for a job well done
Tipping isn’t mandatory in the moving industry. But it’s a nice gesture to acknowledge that the moving company did an exceptional job and that you’re grateful for their work. After all, moving is strenuous. And, moving crews a nervous as they handle belongings that aren’t theirs and do a lot of heavy lifting. It’s nice to give them some extra appreciation for helping you through the moving process.
Financial goals are meant to help you live your best life, whether that means helping you buy your dream home, affording your child’s education, or taking your mother on a cruise for her 60th birthday. To help you get there, it’s vital to have a budget that works for your situation and aspirations.
Having a budget can help you see where you are financially, know whether you’re on track for reaching your goals, and identify ways you can adjust your spending.
Once you have a budget nailed down — and the math is not as scary as some people think — you can reconfigure and adjust. After all, a budget is meant to work for you so you can reach your money goals, not the other way around. It can evolve right along with you, your needs, and your goals.
Why Is Creating a Budget Important?
Creating a budget is important because it allows you to see where your finances stand: You see how much money is coming and how much is going out, plus what it is being spent on.
It can provide you with a snapshot of your financial life, and it can illuminate any issues you need to address. Think about it: If you don’t know where your money is going, you can easily spend more than your means, leading to more debt than you can handle. Not budgeting can also prevent you from reaching your goals, such as having enough in retirement savings or being able to afford that kitchen renovation you’re pining for.
Although some people think a budget will cramp their style, the truth is that a budget doesn’t have to hold you back, restrict you from fun, or sour your lifestyle. It can eventually set you free from the financial burdens that are keeping you from setting and reaching your ultimate life goals.
Next, learn the step-by-steps.
💡 Quick Tip: Make money easy. Enjoy the convenience of managing bills, deposits, transfers from one online bank account with SoFi.
1. Determine Your Financial Goals
Setting financial goals is a crucial first step to being more intentional with your money management tactics. As in, having a purpose can give you more motivation to stick to your budget and get you on your way to creating smart financial goals that suit your life.
How to set financial goals? Start by taking time to come up with a clear idea of your short-term and longer-term aspirations. What kind of things could you dream about? Anything that’s ultimately important to you could be a financial goal example, including:
• Having $1,000 in the bank
• Hosting an amazing 30th birthday party for your partner
• Buying a home
• Starting a family
• Getting some new wheels
• Taking a dream vacation
• Getting out of credit card debt
• Starting your own business
• Planning for retirement
• Establishing and maintaining an emergency fund.
2. Calculate Your Income
Before allocating money for various spending categories and goals, you need to know how much money you have to work with each month. Calculate your after-tax income — you can look at your paystub and/or other earnings from your side businesses or second job. Or maybe you are the lucky holder of an investment account that generates dividends. Perhaps you regularly receive bonuses or tips at work. Add it all up.
3. Review Your Expenses
To make a solid, workable budget, you also need to know exactly how much money is typically going out. Pull together all your financial statements and look at how much you typically spend per month in the following budget categories:
• Loans (such as student or car loan payments) and debt (including credit cards)
• Insurance premiums
• Housing
• Utilities
• Monthly food expenses
• Childcare, child support, or related family obligations
• Transportation-related expenses
• Healthcare
• Savings/investments (for instance, 401(k) or IRA automatic savings deductions).
In addition, think about some other spending categories that are more about discretionary purchases. You can also track:
• Dining out (even those lattes to go)
• Entertainment, such as movies, books, concert tickets, and streaming services
• Personal care (manicures, yoga classes, etc.)
• Travel
• Gifts or treating friends to birthday drinks or dinners
• Non-essential clothing, electronics, home furnishings, and any other fun things you might go shopping for.
As you gather this information, you may want to look at a couple of months’ worth of records. For example, your credit card bill may vary considerably, so averaging a few months will give you a more realistic picture than checking a single month.
Once you have an idea of what you spend, it’s time to take a look at where you may be able to make adjustments. Many people look at their spending as “needs” versus “wants.” A need is something required for basic existence, while a want is discretionary spending. Needs also include debt payment, so if you have a student loan or similar monthly expenses, include that in the need category.
Also consider looking at each spending category in terms of fixed and variable expenses. For instance, your mortgage is a fixed expense since it typically won’t change from month to month, whereas entertainment would be a variable expense since it can change. Don’t forget to look at occasional expenses — like semi-annual car insurance payments — so you can set aside money in your budget each month to account for this expense.
4. Choose Your Budgeting Method
Subtract your monthly expenses from your monthly income. How are you doing? If there’s money left over, it means you may be able to meet your financial goals. Otherwise, you may need to either cut your expenses a bit or earn more money (or try a combination of both).
Whichever direction your money is trending in, you can benefit from a budget to get your cash aligned with your goals and provide guardrails for your spending and saving.
While there are a bunch of budgeting methods, what’s most important is to find an organizing principle that works for your personal and financial style. Some options to consider:
The 50/30/20 Budget Rule
The 50/30/20 budget rule breaks up your budget using the following percentages:
• 50% on essential expenses. This category could include housing costs, utilities, car payments, debt payments (student loans, credit card minimums due, etc.), education costs, food, basic clothing, childcare, and medical expenses.
• 30% on discretionary expenses. Your discretionary expenses could include shopping, entertainment, personal care, travel, and other expenses that may not necessarily be considered essential.
• 20% toward your goals. This amount of money can go into savings and investments as you work toward things like an emergency fund, a new car, retirement, and/or your child’s college education.
Recommended: Discretionary Income Explained
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The 70/20/10 Budget Rule
The 70/20/10 rule is another budgeting method. It’s similar to the 50/30/20 one but allocates more money toward your needs (70%) and less to the wants and savings areas. This budget can be a good variation for those who are just starting their careers or anyone who lives in an area with a high cost of living.
Zero-Based Budget
The zero-based budget system gives every single dollar a purpose so that every bit of your income is accounted for. You start with your monthly income then keep subtracting expenses (even savings or a sinking fund counts here) until you get to zero. This system can help you be more mindful since you know how your money is allocated.
The Envelope Budget System
With this technique, you write the name and cash amount you have for each spending category for a month. For example, you allocate $2,000 for housing for one envelope, and $600 for food in another. You can only spend the allocated amount in each category.
If there is no more cash in the envelope but the month isn’t over yet, you will need to wait until the next month to replenish it or borrow from another category and spend less there. For instance, if you need cash for an insurance premium that went up, you could save on streaming services by dropping a platform or two while you adjust your budget.
This method can be adapted to use debit card payments. You don’t have to literally only use cash.
5. Make Adjustments
A budget is a dynamic, living entity. Some months may be more expensive than others. For instance, you might have an emergency one month (your laptop dies) and wind up spending more (or even going into debt) to make ends meet. Life happens: use these situations to learn and readjust.
You can also look for trends in your money. If you find you are living paycheck to paycheck, you might find ways to economize (such as getting a roommate) or to earn more money.
After using your new budget plan, you should review and update it regularly. You may need to do it more often at the beginning of your budgeting journey when you’re getting used to looking at your finances in a new light. Still, it is typically useful to review your spending at the end of each month to see if your budget is still working for you. If not, then take the time to see what may be happening and tweak your spending as necessary.
Another reason you may want to make adjustments is if your life situation changes, such as you have a baby or get a divorce. Or your income may have gone up, so you will need to think strategically about how best to allocate those dollars to help you reach your financial goals.
Monthly Budget Example
Here is an example of a family’s monthly budget:
Total monthly income: $4,650
Monthly breakdown of expenses:
Monthly income
$4,650
Monthly expenses
Rent
$2,000
Groceries
$400
Student loan payments
$337.50
Car payment
$150
Credit card payment
$300
Discretionary spending
$232.50
Utilities
$330
Auto & renters insurance
$150
Career enrichment class
$60
Savings
$400
TOTAL:
$4,360 ($290 surplus)
How to Handle Unexpected Expenses in Your Budget
You know how it goes: Life can be filled with unexpected expenses, such as a car repair or larger than expected medical bills. Instead of letting these derail you, work unexpected expenses into your budget.
There are several ways you can go about it, one of which is to have a bit of a buffer in your account. Meaning, you can allocate some extra cash each month just in case — any money that isn’t spent, you can roll it over onto the next month. It can act as a cash cushion in your checking account.
You can also consider building up an emergency fund, a separate set of savings in case you have unexpected expenses. The amount will vary, but a good rule of thumb for how much to have in an emergency fund is to save three to six months’ worth of basic living expenses.
How to Work With Your Family or Partner to Create a Budget
Creating a budget with others means being open to a conversation about what each one needs, and how you can keep each other accountable. It can start by having a meeting about family spending. You can discuss and agree to budget goals and reasonable expenses and use a budget planner to help you solidify things.
Once a preliminary budget is created, find a way to ensure that everyone sticks to it. Some tactics include having one joint account to ensure everyone can track spending or having an app where your partner or family can see an overview of the finances. Whatever you choose, it’s important to meet regularly to review your budget to see whether adjustments need to be made.
💡 Quick Tip: An emergency fund or rainy day fund is an important financial safety net. Aim to have at least three to six months’ worth of basic living expenses saved in case you get a major unexpected bill or lose income.
The Takeaway
Creating a budget to set and reach your financial goals doesn’t have to be hard, and it can be a great way to guide your spending and saving. While there are many approaches and techniques to try, what matters most is finding one that is a good fit for you personally and helps you feel in control of your cash. By learning how to manage your money well, you can be on track to crush your personal and financial goals, whether short- or long-term.
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FAQ
What is money management and why is it important?
Money management involves making a plan to help you reach your financial goals, such as getting out of debt, saving for a vacation, or buying a new home. Without sound money management, it can be hard to understand your personal finances and reach your goals.
How do I prioritize my expenses?
You can prioritize your expenses by making sure you have an effective budget and sticking to it. You’ll likely want to prioritize basic living expenses and debt payments. Discretionary spending on the fun stuff of life (entertainment, eating out) can be an area to rein in, if needed.
What are some common mistakes people make with their money and how can I avoid them?
Some common mistakes people make with their money include not establishing clear financial goals, not building a budget that works, and not tracking their spending. To avoid them, it’s a wise move to find a budget technique that works for you, to regularly review and tweak your financial goals, and make adjustments when necessary.
What are some resources available for improving my financial literacy?
Your bank likely offers articles and tools to help improve your financial literacy. You can also head to government or reputable sources like the Consumer Financial Protection Bureau, or buy books or listen to podcasts by respected sources. You can also seek the help of a financial professional.
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Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.
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From rent to the security deposit to utilities to the million other costs and living expenses involved, renting an apartment is an expensive endeavor. Saving up enough to afford everything can seem like a daunting task, especially if you’re not good with savings or it’s your first apartment. But fear not. This complete guide to budgeting for an apartment will give you a framework to follow, allowing you to easily start budgeting and reach your financial goals.
How to budget for apartment expenses in 5 easy steps
While there are all sorts of ways to save, creating or following a budget system will help keep you accountable, motivated and consistent. Here’s how to create a budget and start setting aside money for your apartment. These easy-to-follow steps will help everyone, whether you have to budget for your first apartment and you’re doing this process for the first time or you’re a seasoned renter.
1. Figure out your monthly income
The first step is to determine where you stand financially. While annual income is important, it’s your monthly income that matters the most. This is what dictates how much you can afford to pay in rent and for other necessities.
Looking at your pay stubs or paychecks, you’ll be able to determine your take-home pay. Your take-home pay is different than your gross income because your employer has already deducted things like income tax, payroll tax and social security.
If you’re only paid once a month, you can easily identify how much you make each month. If you get your paycheck every other week, you’ll need to add up your monthly paychecks.
This process is usually easiest for salaried employees, as they get paid a set amount for each pay period. Hourly employees may need to create a rough average of how much they make each month.
2. Determine your monthly expenses
Then, calculate your monthly costs. These are living expenses you’ll pay on a monthly basis like rent, utilities, renter’s insurance, health insurance, food and more.
It’s OK if you don’t have exact figures for all these expenses. If you’re still apartment hunting, you can sub in the average rent for the city or area. You can also estimate things like food. Err on the side of caution and make your expenses higher than you expect.
3. Subtract your expenses from your income to determine what’s left
After determining how much you make and then spend each month, deduct your monthly expenses from your income.
If your projected expenses are higher than your income, you’ll need to go back and see where you can cut costs. Likely, it means you’ll need to spend less on rent.
4. Calculate what you can afford to pay in rent
You should only spend 30 percent of your income each month on rent. Most landlords also require that your income be three times more than the rent. Using your income and expenses, you can calculate how much you should spend on rent using our rent calculator.
5. Choose a budgeting system that works for you
As you start this budgeting process, you’ll find that there are tons of different budgeting methods and systems out there. If this is your first time having to budget for an apartment, you may need to try several different systems before finding the one that works for you.
Nowadays, many people enjoy using budgeting apps to track their savings. These are great options because most are affordable and easy to use, and there are tons of different apps to try. Apart from apps, other popular budget methods include the envelope method and the pay-yourself-first method. But lots of people swear by the 50/30/20 budget method.
The 50/30/20 budget rule
If you’re looking for a monthly budget system that helps you consistently build savings while still covering all your needs with a little extra money left over for fun, the 50/30/20 method is a great apartment budget option.
It essentially works like this. You divide your monthly income into three sections. Fifty percent goes to needs or necessities. These can include paying monthly rent on your current apartment, renter’s insurance, paying the electric bill and other utilities and other essential needs. If you’re saving toward your first apartment budget and still live at home, the costs for your monthly needs probably aren’t too high.
Once you’ve paid for your needs, you still have 50 percent left over. Thirty percent should go toward wants. These are things you want but don’t necessarily need, like streaming services or dining out.
The remaining 20 percent gets automatically put away as savings. This budget ensures you pay for all the things you need and want while still consistently saving toward a goal. If you don’t have a ton of needs or wants, you can put more toward savings. The 50/30/20 rule serves as a framework and you can customize the savings and wants categories how you like. But always make sure that you cover your “needs,” like paying rent.
4 things to budget for when renting an apartment
Your apartment budget should cover the following:
Rent
When moving into an apartment, obviously you’ll need to pay the first month’s rent at move-in time. Some landlords also require that you pay for the last month’s rent upfront, as well.
Security deposit
Your budget needs to include the security deposit, which is usually the same amount as one month’s rent. In total, you need three months’ worth of rent saved before moving in.
Some landlords charge a pet deposit for pets, as well.
Utilities
It’s a good idea to budget for the first months’ worth of utility bills, as well. That includes electricity, water, natural gas, internet, sewer and garbage.
You can save money by finding an apartment complex that includes utilities. Apartment complexes that cover even some utilities like electricity or water are useful money-saving tools. Otherwise, you’ll be paying directly to the utility companies for everything and it adds up.
Miscellaneous fees and costs
On top of all that, you’ll also need to budget for the myriad other expenses that come with renting an apartment. That includes everything from application fees to cleaning supplies to actually furnishing the place. If you’re moving out and this is your first apartment budget, this handy checklist covers many of the things you’ll need.
You’ll also need to budget for moving costs like a moving truck or packing supplies. Sometimes, you can keep moving costs low if you don’t have a ton of stuff or aren’t moving far. But, if you have heavy furniture or are moving to a new city, you may have to pay for professional movers.
Renting an apartment also comes with the occasional additional fee or unexpected expense. It’s recommended to save more than you initially budgeted for to avoid nasty surprises.
What is a good budget for an apartment?
Along with the 50/30/20 rule, the 30 percent rule is a good rule of thumb for when you’ve moved into your apartment. As some monthly expenses like the cost of food can vary, the monthly rent will be one constant. You can use it as a set amount around which to anchor a budget.
Essentially, the 30 percent rule is that you should only spend 30 percent of your income each month on rent. This ensures you have 70 percent of your monthly take-home available for spending on other expenses like food.
How much money should you have saved when moving into an apartment?
There’s no straight answer about exactly how much money you need to save for your new apartment. The amount varies depending on factors like location and the cost of the rent. That’s why you’ll need to use the above steps to personalize the budget to your needs. If you’d like a rough estimate, check out this article about how big you should get your apartment savings.
If you’re saving for your first apartment, it’s always better to overbudget and save even more. On top of rent and other apartment living costs, you’ll need to actually furnish and outfit your apartment for living.
7 ways to save money for your apartment
Here are some other ways you can boost your budget.
1. Downsize
Smaller apartments like studio or one-bedroom apartments are generally more affordable and less expensive than bigger apartments. Plus, it’s always a good idea to live slightly below your means so you can constantly save money and not live paycheck-to-paycheck.
2. Have roommates
If you’re saving toward a two-bedroom apartment but it’s stretching your budget too much, add a roommate to the mix! Living with roommates cuts expenses down and opens the door to creating wonderful memories.
3. Don’t live near the city center
Beware the siren call of the city center. The cost of rent will nearly always be higher closer to the city center, especially in big cities. The promise of living just steps from big city amenities like dining and shopping is strong, but it’s better to live further away in a more affordable housing situation. On the plus side, you’ll have more money to enjoy those urban perks!
4. Set up a separate savings account
If you have the issue of constantly dipping into your savings account, set up a separate bank account. That way, the temptation to touch it is gone.
5. Reduce wasteful spending
While saving, cut back on unnecessary spending so you have extra cash to put toward your budget. Dine out less, cancel subscriptions you don’t need or use and the like. Have cable but don’t use it? Call the cable company and cancel. How about that gym membership you don’t actually use? It’s gone.
You can always take up those habits or wants-based spending again when you reach your goal.
6. Find bargains and deals to spend less
While saving toward an apartment, there are some things you still need to spend money on, like food. You still have to eat and food costs money. You still have to commute to work or get around for errands. But there are ways you can spend less on these activities and items.
For groceries, you can shop at bargain supermarkets, use coupons or buy cheaper, generic brands. Instead of driving everywhere and paying expensive gas prices, take public transportation.
You can also go thrifting or hit up garage sales for bargains and deals on big-ticket items. Need a new coffee table? Skip IKEA and hit up the local Goodwill. How about a couch? Check area neighborhoods for who’s having a garage sale.
7. Keep saving
Even after you’ve reached your goal and moved in, keep adding money to your savings. When the time comes for you to move again or upgrade apartments, you’ll already have a head start. You’re also prepared in the event you need a cushion in case of rent increases.
Whether it’s your first apartment or 10th, budgeting is easy with these tips and steps
It doesn’t matter if you’re a first-time renter or have been renting apartments for years. Creating and sticking to a budget is an important part of the rental process. Not only does it help you get a new place to live, but it teaches good financial practices you can use in other areas of your life. Above all, make a savings plan and stick to it.
On 02 August 2005, my friend Frank and his partner awoke at 2:45 a.m. to the dog barking and a neighbor knocking on their door. The apartment complex was on fire. They grabbed their dog and whatever they could carry and ran from the building.
“We lost everything,” he says. Later they’d find out that it was arson. A former employee of the apartment complex stole rent checks and set the office on fire. Frank was moving into a new apartment in ten days, and the new complex agreed to let them move in early. “We moved in with a plastic bag of groceries, paid for with a $50 food voucher from the Red Cross,” he says. The other 70 displaced tenants stayed in Red Cross shelters.
To make matters worse, Frank didn’t have renters insurance. “We didn’t think we’d ever need it,” he says. “You don’t see why you should pay this extra bill until you’re in a situation where you need it.” They had to start over from scratch.
Why Renters Skip the Insurance
There are any number of reasons renters don’t think insurance is a necessary expense. I myself didn’t have a policy until Frank’s situation motivated me to get one. Common reasons renters forgo an insurance policy include the following:
“What are the odds anything will happen?” The odds are not in your favor. The Bureau of Justice Statistics reports that renters are 50 percent more likely to be burglarized than homeowners.
“My landlord has insurance.” That means that your landlord (or condo association) has their valuables — the building — protected. Your belongings are not covered.
“I can’t afford renters insurance.” Many people are willing to spend a couple hundred dollars on clothes, but won’t spend the cash to protect themselves from the risk of losing everything they own. It’s possible to find a policy for $10-12 per month, though your premium will depend on location, the deductible, the insurance company, and coverage needs.
There are ways to lower the cost of coverage, including raising your deductible (make sure you can afford it, though) and having protective devices such as smoke detectors, extinguishers, and security alarms. Some insurance companies offer discounts to senior citizens. Also look for a multi-line discount, which is a discount for buying more than one type of policy from the same company (e.g., renters insurance and auto insurance).
I suspect that the main reason most people don’t have a policy, though, is that they don’t understand how renters insurance works, or why they need it.
Renters Insurance 101
Renters need a HO-4 policy. Condominium owners need a HO-6 policy. Both will cover personal property loss from “named perils,” which is insurance-speak for what you’re insured against. Your policy will likely include the following named perils:
Fire and lightning
Windstorm and hail
Smoke
Vandalism and malicious mischief
Theft
Accidental discharge of water
Other named perils covered sound like scenes from Die Hard (explosion, riot, damage caused by air crafts and falling objects), but I suppose you never know when German radical activists might terrorize your Christmas party.
Renters insurance also includes liability protection, which covers medical expenses for a person injured on your property and legal defense, if necessary. Additionally, if your apartment or condo becomes uninhabitable due to a named peril, your coverage will pay for somewhere to live in the meantime.
What is not covered: If you live an an area prone to floods, earthquakes, or hurricanes, you may need to purchase a rider, or separate policy. Also, if you have valuables that would exceed your policy limit, such as expensive jewelry or antiques, you’ll need a rider to recover the full loss.
Buying a Policy
Shopping for renters insurance is similar to shopping for other types of policies. Here are the basic steps:
Take inventory. This seems to be the step that most of us dread, but it’s where we should start. (Confession: I haven’t done it yet. It’s been languishing on my to-do list for almost a year now, but I’m going to make it a top priority.) If you lost everything, it’d be awful to have to recall every item you owned and it’s value. Better to document it. Here’s the plan of action:
Photograph or videotape each room.
List the value and serial and model number of items.
Attach receipts, if you have them.
Save the list and the photos or video to a DVD, and make at least three copies. Keep one copy in a fireproof place, one at an off-site location (could be a parent’s house or a safe-deposit box), and send one to your insurer.
There also are software programs that walk you through the process. The Insurance Information Institute provides free inventory software that helps you complete a room-by-room inventory.
Prepare. Write down a set of questions you want to ask your potential insurance providers. Some suggestions include:
Do you have brochures or any information you can send me in the mail? (Keep the ones from insurers that appear to be a good fit and use them to compare each provider’s policies.)
What could cause my rates to increase?
What discounts do you offer?
Does the liability insurance cover legal defense and medical expenses?
Do you pay actual cash value (ACV) or replacement cost coverage? (ACV coverage pays what your property was worth at the time it was destroyed or stolen, minus the deductible. Replacement cost coverage pays what it will cost to replace the items, minus the deductible. It costs more in premiums, but pays more if you file a claim.)
Do you offer separate policies for roommates? (Alternatively, talk to your roommate about splitting the cost of a policy.)
Shop around. To find the right provider and policy, consider the following:
Contact the insurance company that provides your auto insurance policy. Ask about multi-line discounts.
Call your local bank. Some banks offer insurance policies.
Search “renters insurance” online. Most providers have Web sites that give you a free quote.
Ask friends and neighbors which company they use, and if they are happy with their experience.
Updating Your Policy
Renters insurance is like many other forms of insurance – not fun to think about. But it isn’t a Ron Popeil rotisserie — don’t set it and forget it. Stay in touch with your agent to make sure you’re getting the best deal and taking advantage of new options or discounts. Also, be sure to contact her if your living situation changes, as in the following situations:
You moved. Each residence requires a unique policy.
You got a roommate: human or furball. You’ll need to decide on a separate or shared policy for the former. Make sure the latter is listed in your liability coverage.
You bought an expensive bauble or a pricey new toy. You need to have it listed in your policy, or you might need a separate rider to cover it.
It’s easier than you might think to find an affordable renters policy with good coverage, and it’s time and money well-spent. As my friend Frank says, “It’s the cheapest bill you’ll have. For very little money, we could have replaced everything we lost.”
If you are a renter, do you have renters insurance? If not, is there a reason you don’t have it?
Have you ever been excited about a film enough to go to the theater, and spend a fortune on concessions, only to be disappointed beyond belief in the movie? After polling the internet, here are twenty-five films people admitted were the worst they have ever seen in theaters.
1. Holmes and Watson (2018)
“Holmes and Watson. My friend turned a good Christmas into an unforgettable Christmas. But in a bad way. This movie was the end of those styles of comedies,” shared one.
A second admitted, “I was looking for this one. My ex and I saw it on Christmas, we wanted to walk out, but we had to see the garbage the whole way through. Just God awful. I would not recommend it to anyone!”
“My wife and I debated which movie to go see. Being a big Will Ferrell fan and loving John C. Reiley, combined with the amazing world of Sherlock Holmes, I was confident my movie pick was the right one. She conceded, and we went to it. Terrible. Horrible. We haven’t been to the movie theatre since,” a third user confessed.
2. Alvin and the Chipmunks: Chipwrecked (2011)
“Alvin and the Chipmunks: Chipwrecked. I hated this movie so much. It sucked so bad that I wanted to cry. So I took my daughter and her friend to see this. I still wanna cry,” one mom replied.
“I, too, took my daughter. It was her first movie, and she got to pick. I was hoping for Muppets, and I’ll never forgive Jason Lee. And David Cross! I love him. But I have not watched anything he’s been in since that movie. I read that he hated it too, and I’m mad that I can’t even enjoy him anymore,” a second added.
3. Catwoman (2004)
“I wanna go back in time to be in the editing room when they cut the basketball scene together. The number of cuts and the decision to have Halle Berry grinding on the guy in front of a bunch of kids is bizarre,” shared one.
“Wow… I, uh, man, I watched that. I know I watched that. And yet, somehow, as if some defense mechanism, my brain must have deleted that scene, and most of the film, from my memory,” another confessed.
“I can’t believe that actual professional filmmakers decided that any part of this movie was worth making. The whole thing is just such a pile of trash. I saw it for free — I worked for a part of the company that released the movie — and I STILL wanted my money back,” a third admitted.
4. Transformers: Age of Extinction (2014)
“My parents dropped me off to see this movie when I was a kid, and I was the only person in the theater. I like the first one, but after that, I’m done,” one stated.
“Don’t get me started on Transformers with Marky Mark. I was nauseous, to begin with, in the theater when I watched it—nausea combined with awful storytelling. I fell asleep at like three different times,” a second expressed.
“Totally. You’ll have to take a lot of Dramamine to choke down Transformers: Age of Extinction. There were many moving parts, like the fast, third-person following the action of the bots running through the city while transforming multiple times. Then there was the banal cast I wish would get squished in one of the bots while they rode in them,” a third shared.
5. The Amazing Spider-Man 2 (2014)
“I worked at a movie theater as a first job, and the owner got this movie for a week because he thought I would like it (nothing else going on at the time). I couldn’t apologize to him enough. It was awful. I remember the attendance was 25 tickets sold for the entire week,” someone volunteered.
“Came here to say this. I took my 8-year-old brother to see it for his birthday. The only thing I can remember was that I wanted to get up and walk out less than halfway through,” another confessed.
“It’s always painful to take someone to a movie as a special treat like a birthday or Christmas, and the experience sucks. For example, I took my son to see The Amazing Spider-Man 2 for his first theater experience, and I can barely hold back my disdain for it,” a third user expressed.
6. Mortal Kombat Annihilation (1997)
“I’m seriously dating myself here, but Mortal Kombat Annihilation. Five minutes in, Johnny Cage was like 80% of what made the first movie decent – dies; I felt the film was in trouble.”
“Then a recast Raiden walks in, and I knew it was all over,” said one. Another added, “I was a teenager when the first one came out… it was awesome! Finally, after years of playing the game in arcades, I loved it. So I went to the second without hesitation, leaving highly upset and bummed out. What a pile of trash it was!”
7. The Dark Tower (2017)
“The Dark Tower adaptation of the Stephen King book series was a trainwreck. I’m the most disappointed I’ve ever been with a film adaptation—Scratch that. I was more than disappointed. I was disgusted,” admitted one.
“My dad (70) wanted to see it. He has never read any of the books. I don’t think he’s ever read a single book. I cautioned him that it was NOT a western, which is what he likes, but I didn’t expect it to be such hot garbage. He was utterly confused, and I could tell he wanted to leave.”
8. Space Chimps (2008)
“Space Chimps. The things you will do for a loved one. I was a teen and took my kid sister to see this; so many bad monkey puns. This movie came out the same day as The Dark Knight, and I saw Space Chimps,” one digressed.
“My kid sisters were addicted to it when we didn’t have cable for a while. It was so bad, and I saw it originally in the theaters a few years earlier. I hated it the FIRST time I saw it,” another added.
9. After Earth (2013)
“That movie with Will Smith and his son. They were space travelers looking for something on Earth. I would look up the title, but I’ve already spent enough time on it typing this out. Time wasted,” one shared.
“I believe it’s After Earth! That is hilariously bad and another M. Night Shyamalan special. Based on this thread, I have learned that M Night Shyamalan deserves a Bad Movie Lifetime Achievement Award,” suggested another.
10. Howard the Duck (1986)
“I saw Howard the Duck at the theater the year after I saw Back to the Future. I remember thinking I wish this were as good as Back to the Future. It wasn’t. Howard the Duck is as memorable as Mannequin 2. I can’t believe I saw that turd in the theater,” confessed one.
“Prime Lea Thompson is the only reason anyone could have positive memories of the movie so bad that it led to firesales resulting in Pixar, the Marvel Cinematic Universe, and Disney buying all that plus Lucas and Fox,” a second noted.
11. Battlefield Earth (2000)
“Battlefield Earth was awful, and this is my answer. It is the ONLY answer. So I walked out,” shared one. Another confessed, “The first movie I ever walked out of was Battlefield Earth, it was awful, and it was the catalyst of why I hate everything Sci-Fi.”
12. The Adventures of Pluto Nash (2002)
“Watching The Adventures of Pluto Nash in a dingy hotel room at 3:00 am was perhaps the most hollow experience of my life. Of all the questionable things I have in my lifetime, this is by far at the top of the list of things I wish I could undo,” one shared.
13. Godzilla (1998)
“Then there are universally panned movies that I enjoyed. Godzilla comes to mind, which everyone hates, but I, who had never seen a Godzilla film in my life up to that point as a 14-year-old, thought it was pretty bizarre,” one stated.
“I finished the Godzilla movie, walked out, and snuck into Deep Impact. It was just starting, and I needed a way to make my money spend well. It’s not the worst film I’ve ever seen, but it is the worst I’ve seen in theaters,” a second answered.
14. Fant4stic 4 (2015)
“I remember sitting through a long dialogue/monologue scene with Miles Teller talking at length between Reed and Sue that went on long enough for me to turn to my friend and say, ‘this conversation has no point and could have been cut from the movie entirely,” one replied.
“And it turns out I was right. It didn’t set up a payoff later, didn’t develop the characters at all; it just added runtime to an already bloated movie.”
15. Drag Me to Hell (2009)
“I would say my worst movie experience was Drag Me To Hell because I’m already not a horror fan, and that movie has a jumpscare every four minutes, which meant I was looking at the film from the corner of my eyes most of the time,” shared one.
16. Ghost Dad (1990)
“I saw it in the theater. I was in a phase back then where I loved movies so much that I loved every movie I saw. But, Ghost Dad taught me that sitting through a movie could be awful,” admitted one.
17. Leonard Part 6 (1987)
“There are some excellent movies people list in this thread, which I find hard to agree with,” one said. Meanwhile, I saw Leonard Part 6 in the theater.”
Another shared, “I remember that there was a machine that was going to let the bad lady take over the world, which the good guy sabotaged by replacing the fluid inside with dish soap….only to find out the original fluid was dish soap anyways. Terrible, just terrible.”
18. The Village (2004)
“I was not too fond of it when I was younger when it first came out, but I thought I was going to see a monster movie because that’s what all the advertising at the time was making it seem to be,” someone admitted.
“The Village by M. Night Shyamalan is the same story as Running Out Of Time. Some random teen book that came out in the 90s. I had read it, and within the year The Village came out, it made the twist very predictable. So I didn’t like the film,” another expressed.
19. Old (2021)
“That was the stupidest movie I’ve ever seen in my life. My roommate wanted to watch it, and after the film, we were all sitting in stunned silence until I blurted out that it was the stupidest movie I’d ever seen in my life, and that’s the only thing I’d been able to say about it since,” answered one.
“I just watched Old not long ago, and that was quickly one of the worst movies I’ve seen in years. It was so bad. But, truthfully, Old and Glass are both pretty awful films,” a second added.
20. The Happening (2008)
“One person noted, “He has several movies on this list. The Happening is my vote. What a disappointing film included in such a disappointing character arc that M. Night Shyamalan had.”
“Seeing that movie made me feel legitimately shaken. I wasted a lot of time in my life, but only after sitting through that in a theater did I have these dark thoughts about how I would never get back that precious time that I could have been doing anything else. It made me confront mortality. I had an awful day that day,” a second shared.
21. Epic Movie (2006)
“Epic Movie. With my grandparents. It is partially my fault, nonetheless. Epic Movie was my first experience with a dumb parody/satire film,” someone confirmed.
“I’ve walked out of two movies in my life. Epic Movie is one of them. I was with five friends, including one who drove me there. I wished I could have walked out sooner. But, instead, we all learned our lesson from this movie,” a second replied. “After I sat through Epic Movie, I promised myself that I would walk out if I ever saw a film that bad again,” a third user commented.
22. Norm of the North (2016)
“I took my kids to see Norm of the North. Instead, I’d have watched Paint Dry, and my kids would have. But, unfortunately, I lost it with the addition of purple drank in a styrofoam cup added to the arctic snacks ideas,” one stated.
“I still point out how horrible it was, and my wife’s response is, it’s a kid’s movie. As if it being a kid’s movie excuses it from being a steaming pile of garbage. As if we use a different scale for kid’s movies despite agreeing that some of the best movies ever made are kid’s movies. I hate that movie so much,” a second user confessed.
23. The Last Airbender (2010)
One person shared, “I was 12-13 when this movie came out, and I LOVED the show. So my siblings and I all watched the show, and my parents agreed I could go with them to my first midnight showing since I loved the show so much.”
“So I shaved my head, painted blue arrows on my head, arms, and neck/upper back, wore a robe, and carried a staff.” “The movie freaking sucked. A movie ruined my first midnight showing, so terrible many deny its existence. I’m still angry at M. Night Shyamalan to this day.”
24. Eragon (2006)
“As a kid seeing their first movie with their same-age friends. Eragon. That move was such a massive waste of money. My buddies and I constantly read the books and saved pocket money for weeks to watch them. I’ve walked out of movies since, but the Supreme disappointment that movie had as a kid me cannot be beaten,” someone explained.
“I watched that terrible film on a DVD from Redbox years later once I had finally read the books. But, man, that was a major heartbreaking book-to-film adaptation, even then. I wished we hadn’t rented it at all,” a second agreed.
25. Lady in the Water (2006)
“It was the last nail in the coffin for me in terms of my hope that M. Night Shyamalan could have a rebound after his fall from grace. But, unfortunately, the plot (I’m being liberal with the word plot) was garbage. The idea and the execution were also trash,” said one.
“M. Night Shyamalan casts himself as a prophet in it. Aside from a few moments of unintentional comedy, it had no redeeming qualities. I got my money back for it despite having sat through all of it. The guy at the counter didn’t even ask follow-up questions; he was used to doing it for that movie,” a final user commented.
Source: Reddit.
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Finishing school, joining the workforce and moving out on your own is a rite of passage for many young people. Today’s young adults are taking longer to make this transition, and doing it less often overall than previous generations, according to a new Zillow analysis.
In 1980, 1990 and 2000, the tipping point age at which more people lived independently than not remained steady at 23. But by 2007, it had risen to 25, and then to 26 in 2017. And not only does it take longer for young adults to begin living independently, but fewer people ever do. A smaller share of adults of every age lived independently in 2017 than 1980, including a 10-percentage-point gap for 40-year-olds.
Typically, adults begin living independently later in more expensive
metros, and the gap has widened over the past four decades. Since 1980,
the tipping point age has increased by an average of about four years in
metros in the top quarter of most expensive home values, compared to
about two years for metros in the bottom three quarters. In 2017, the
tipping point age was highest in Riverside, Los Angeles, New York and Miami
at 29. Each of these metros have seen their tipping point ages increase
by at least five years since 1980, while it has only increased one year
in less-expensive Oklahoma City, for example – from 21 to 22.
Young people today more often pursue higher education, which typically delays when they begin working full-time. In previous decades, people with a high school education lived independently at similar rates to those with a college education, likely due to the additional years of earnings they can accrue in their early 20s while their college counterparts are in school. Now, there is a significant gap. Those with a college degree are more likely to live independently than those with a high school education by age 26, and at age 30 the gap widens to 12 percentage points.
Changes in social and cultural norms, as well as affordability challenges, likely explain some of the shift. Young people today are more likely than their predecessors to live in urban cores, where housing is more expensive and rent price growth has hindered the ability of renters to afford a home without roommates or save enough of their salaries each month for a down payment. Increased demand for starter homes as the large Millennial generation reaches typical home-buying age, along with persistently low inventory, has contributed to robust home value appreciation in many large metro areas, making it more difficult for first-time buyers to get into a home.
“It’s true that people are becoming homeowners later and later in life, but even before that today’s adults are taking significantly longer to simply live on their own,” said Skylar Olsen, director of economic research at Zillow. “While some may consider the impact of evolving tastes and cultural norms, as economists we can point to very real changes in household budgets that make the classic tactics of sticking with mom and dad or extending those college roommate years past graduation more appealing. As the costs of life’s basics outpace incomes, parents that offer housing after their children’s schooling has ended can provide breathing space, allowing the next generation to begin paying off substantial college debt. Smaller, more accessible housing markets often tout not just the possibility of homeownership for today’s adults, but simply the opportunity for independence and privacy – features of life that major job markets struggle to offer more and more.”
Mike Wheatley is the senior editor at Realty Biz News. Got a real estate related news article you wish to share, contact Mike at [email protected]