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The first apartment checklist

You don't need to furnish the whole place in a weekend. Here's what you actually need on night one, and what can wait until you've got the money.

Dad's Quick Take

Before you move: budget, set up utilities, and get renters insurance. On day one you need a bed, basic kitchen and bathroom supplies, cleaning stuff, and a few tools. Everything else you can add room by room as you go.

Before you move in

Night-one essentials

The move-in inspection (don't skip this)

Before you unpack, walk every room and photograph anything already damaged — scuffs, stains, broken blinds, dripping faucets. Email the photos to your landlord the same day. This is how you protect your security deposit when you move out.

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A security deposit is money the landlord holds in case of damage. You get it back if you leave the place in good shape — which is exactly why move-in photos matter.

Buy it later

Couch, TV, dining set, dresser, decor — none of it is urgent. Add one room at a time as your budget allows, and check marketplace listings, thrift stores, and 'free' curb finds before buying new.

Before you sign anything, read 'How to read a lease before you sign.'

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Common questions

How much money do I need up front?

Often first month's rent, sometimes last month's, plus a security deposit — so budget roughly 2–3x the monthly rent to move in, plus a little for essentials.

What's a good budget for setup?

You can do the true essentials for a few hundred dollars if you shop secondhand. Spread the rest over a few paychecks.

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