Printable Worksheet Companion
Use these planning tools to calculate housing costs, test affordability, prepare for move-in expenses, and decide when a move is workable.
No sign-in required. PDF • approximately 395 KB
What’s Inside
The companion contains 10 planning tools that move from collecting facts and estimates to testing affordability, move-in cash, lease terms, shared responsibilities, and a three-month simulation.
Start Here: Your Starting Point
Record why you are considering a move, the housing arrangement you are considering, expected rent and take-home income, current savings, the cost you understand least, and your target decision date.
Map the Real Cost
- Total Housing Cost Map
- Verified Income Worksheet
- Full Monthly Move Out Budget
- Lower Income Test
Prepare for Move-In
- Move In Cash Target
- Lease Question Checklist
Clarify Shared Responsibilities
- Roommate Responsibility Discussion
- Household Operating Cost Planner
Simulate Before Deciding
- Three Month Move Out Simulation
- Ready, Prepare, or Wait Decision
How to Use This Companion
1. Start
Work through the tools in order so the early pages establish the facts and estimates used later.
2. Verify
Mark each amount as KNOWN, ESTIMATED, or UNKNOWN. An unknown cost stays visible until it can be confirmed.
3. Test
Use the budget, lower-income test, move-in cash target, and three-month simulation to test the plan under realistic conditions.
4. Decide
Use the final evidence to choose READY, PREPARE, or WAIT rather than forcing the answer you expected before testing.
Use Verified Amounts
Complete the worksheets with verified amounts whenever possible. Keep unknown costs visible until you can confirm them; unknown is not zero.
Need Help Accessing the Companion?
Visit KemetCompass.com for current reader-support information.
Read Beyond the Obvious.
These resources provide general financial education and do not provide individualized financial, legal, tax, banking, credit, housing, utility, insurance, lending, or debt advice.