Housing

Are you considering moving into your own space?

The first thing you need to do is work out if you can afford it. When you move out, everything that you take for granted will be your financial responsibility - food, toiletries, cleaning products, TV licence, bills for gas, electricity, telephone and water. Also you will need to work out how much you will need to pay for broadband, sky tv etc if you want these.

Try working out a budget. Add up the money you have coming in and take away everything that you'll have to spend money on. The Shelter Website lists standard outgoings and income to help you work this out. If you don't have any money left over then you probably can't afford to move out just yet.

Getting a place with friends could work out cheaper but have a good think about whether you could actually see yourself living with friends. Some long friendships have been ruined over issues such as not doing their fair shares of housework and tidying!!

If you are moving away to university then it could be a good idea to live in halls of residence in your first year but ensure you visit them first to check on location and suitability and that you know exactly what your weekly rent covers such as electricity and water. If you would prefer to live in other accomodation then your university may have details of recommended properties.

Help with finances:

Over 16 and earning a low wage or on benefits? Then you may be able to claim housing benefit. This is paid by local councils. The rules are complicated and you probably won't get enough to cover all your rent so you'd have to make up the difference with your own money. Also, private landlords will want a month's deposit and a month's rent as first payment. Find out more here

Avoid debt!

Budget carefully each week and make sure you pay your bills on time. Not paying bills can mean utilities like power and water being cut off. You could even be asked to leave your home. If possible check out a site such as Uswitch to find the best deals on utilities, phone packages and broadband.

For more information about housing take a look at the website links.

Being Homeless?

Some young people find themselves homeless for lots of reasons. You might not feel safe at home or there might be problems that mean you can't live there any more. There are organisations that can help you. Remember, it's better to try to sort out what you're going to do before you leave than just running away. Find out more here

Citizen's Advice Bureau
If you're a young homeless person take a look at their advice guide

Shelter
You have housing rights that are protected by law. Knowing what these are can help you sort out any problems you may have - find information and advice here. Cumbria Advice Centre provides independent specialist housing advice on all problems, including finding somewhere to live, rent arrears, possession action, disrepair and homelessness. They have advice services across the whole of Cumbria and can offer specialist advice on debt and welfare benefits at some of their sessions. They have solicitors and specialist advisers available to deal with your problem. Contact them on 0344 515 1945

Connexions Direct
Thinking about moving out? Going to study away from home? Homeless? Lots of questions are answered here.