Adult Financial Literacy Guide | Page 23

Finding a Home These are one-time fees that usually need to be paid in advance or in the first month. Some are required (needs), while others are optional (wants). Where possible, delay purchasing “wants” until you have had a chance to save for them (for example, a new flat screen TV). If you are paying new account fees or deposits, make a note of which ones are refundable, when and how they are applied to your account, and whether interest is paid on your deposit. Start-up expenses Estimated First and last month’s rent Mortgage payment Security deposit New account fee and/or deposits  Hydro  Heat  Water  Cable (“want”)  Internet  Home phone  Other Furniture Dishes/kitchen supplies Cleaning supplies Linens (towels, sheets) Curtains/blinds Moving truck rental Hiring movers Boxes and other moving supplies Change-of-address fee for mail $ $ $ Other $ Actual Notes Start-Up Expenses Worksheet Use this worksheet to estimate your start-up expenses, including any new account fees or deposits required. Once you have an actual figure, update your worksheet to reflect this. $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ 23