7 Step Guide to Moving in With Your Parents Without Going Crazy

Moving in with your parents may seem like the only option when you have lost a job or cannot find one just after graduation. It is stressful to have financial responsibilities and no income. You may also be considering it in order to get control of your finances and to get out of debt as quickly as possible.This may be an option while you are going to school or if you are trying to save up for a down payment on a home. There are a few things that you can do to make living with your parents easier on you and on your parents.

Before You Move in Have Your Exit Strategy in Place

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If you move in with your parents you need an exit strategy in place. Have a specific date or goal that you are reaching for in order to move out. You may want to include this in your agreement. For example, you may just want to move in with your folks until you have found a job and saved up enough for a deposit on an apartment. If you are trying to get out of debt, your debt payment plan should have a definite end date for you. State in the agreement when you expect to do that.

Set Up a Formal Agreement Before Moving in with Your Parents

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You need to set up an agreement with your parents. You should put it in writing. This will make the arrangement more formal, and it should help you balance being at home again and being independent. This agreement should outline any expenses that you are expected to contribute to. For example, your parents may charge you a reduced amount of rent, or ask you to chip in on groceries and the utility bills. Spelling this out clearly will make it much easier later on.

Don't Be a Move In Mooch

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If you are looking for a job, do not be a total mooch on your parents. You should find a part-time job that you can do in the meantime so you can contribute. Additionally, you should commit to spending at least four hours a day searching for a job, and applying. Set specific tangible goals and apply to a specific number of jobs each week. Sticking to a schedule like this will stop you from falling into a rut.

If you are working, you should ask your parents for extra cash or help. They are not your personal ATM. Similarly, you should not expect them to pick up after you or alter their lives so that you can do the things that you want when they are convenient to you. 

Be Prepared for Parental Judgements

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When you move home to get out of debt, don’t be surprised if your parents seem upset when you go on a shopping spree or seem to deviate from your plan. Your parents are making sacrifices to have you home in their space and by covering some of your expenses. Your parents will likely have a hard time keeping their opinions about your finances to themselves, especially when you are the one that opened the issue by moving back home.

Help Out Around the House

 When you move in, it can be easy to slide back into the old roles where your mother fixes dinner and does your laundry. However, it is important to stop yourself from letting this happen. Take on specific chores that you will complete each week to help out at home. This may be cooking dinner a few times a week, doing the dishes when you are home or helping with the weekly cleaning and yard work. You do not want to make extra work for your parents since they are doing you a favor by letting you live at home. 

Show Your Parents Respect and Courtesy

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Show your parents common courtesy and respect while you live with them. While you shouldn’t have a curfew as an adult, it is polite to let them know you will be out late and that they do not need to wait up. Keeping your parents informed is one of the expectations that accompany living at home. Remember it is their house, and you have to follow their rules. Similarly, pick up after yourself, and be sure not to leave a mess in the common areas of the house, just like you would if you had roommates. 

Stay Focused

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Finally, you need to stay focused. Your twenties are a time to have fun, and living at home is not going to be as much fun as having your won apartment. Work towards achieving your goals quickly. You may want to use this survival guide if you have just graduated from college to help you stay focused. Get an extra job if you are getting out of debt, so that you can move out more quickly. When you are ready, you can use these strategies to save on rent.