How to plan responsibly – So, you can't wait to move out of your parents' house and get your own apartment. Do you have any idea how expensive it is? Just getting set up for cable TV is costly – hey, you’ve got to buy a TV! And what about electric company deposits? Rent deposits? Renter’s insurance? Think about what will happen if your roommate is irresponsible and can’t pay his or her portion of the rent – or if you decide one of you needs to move out. Suddenly all your costs are double! Are you ready for that?