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Originally Posted by kepp
It depends on what your long-term goals are. Do you want to eventually own a home? Take the option that will allow you to save a down payment quicker. Don't accumulate stuff/debt now...there'll be plenty of time for that. And start building your credit. Get a couple credit cards, make minor purchases each month ($50 - $100) and pay them off in full each month. With most CCs, you won't be charged any interest if you pay off the balance within one billing cycle. If you do go the apt route, try to find out (not sure how) their policy on returning deposits. There are a lot of apt complexes that will literally make stuff up so they don't have to give your $$ back.
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That's what I've been thinking. Long-term an apartment could save us an easy 150+ a month and over a year or two (two years left for school) and we could easily use it for a down payment on a house. We'll have to get a new car sometime when we get married both of ours aren't the best and are high mileage. I could just see us easily paying over 1K on a house, bills, auto insurence, health insurence, etc. When we would only be making 2K a month. What if something happened to a vehicle, would we have to wait to fix it because we don't have the money. With an apartment, saving that money, we could fix something real quick.
As my brother said "if you say you can afford this place, it doesn't mean you should go get it". Find cheaper stuff, he says to get an apartment.
The more I talk to you guys and him, I'm hoping we can just get an apartment.