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Happy young woman checking bills and budgeting for her first apartment while sitting on blue sofaThe boxes are packed, the keys are in hand, and a little voice from within seems to be whispering, “YOU’RE AN ADULT NOW!” While getting out of mom and dad’s place or even your college dorm is the first step to really being out on your own, one small factor could stop you straight in your tracks: those dolla’ dolla’ bills. Budgeting for your first apartment can be, to put it lightly, a learning experience. Because if you like to move it, move it, you’ve gotta pay it, pay it. Did you know that according to Gallup, only 32% of Americans create a monthly budget? Somehow, budgeting has taken a back burner in the lives of young people, especially. But don’t worry – we can help. Here are some expenses that you may have forgotten about, along with some smart solutions to keep them in check.

Chalkboard sign saying, "Thank you, veterans," in front of American flagOn Friday, November 11, we celebrate Veterans Day. On this prestigious occasion, there really is nothing more important than recognizing our veterans who served this country in World War II, Vietnam, Afghanistan and Iraq, and other military initiatives throughout the world. They made the ultimate sacrifice to ensure that we – and our families – live peaceful lives in the country that we love. The millions of active duty and reserve Americans serving in the U.S. Army, the Navy, the Marines, and the National Guard also deserve our wholehearted support on this day and every day throughout the year.

Freelancer working from sunlit home office in her apartmentThe traditional 9 to 5 scenario of driving to an office, sitting in a cubicle for hours, and then forgetting about work at the end of the day may soon be a thing of the past. According to the New Jersey Institute of Technology, 45 percent of U.S. employees now work from home and 53 million people work as freelancers. From being a massage therapist to an event planner, get the scoop on these four oh-so-fulfilling businesses you can run out of your apartment.

couple worrying about heating billDoes the thought of your heating bill make you shiver? If you live in an apartment, you may think there isn’t much you can do to reduce you heating bill this winter. However, even those living in cities with colder climates, like apartment dwellers in Columbus or Seattle, can make small changes to cut back on expensive heating costs. Here are a few ways to save on costs with little time and effort.