Moving out of your family home is a huge milestone for anyone — but as a young adult carer, it can feel even bigger. You might be juggling caring responsibilities, education or work, and your own wellbeing. So the idea of independence may feel exciting, scary, overwhelming — or all three at once.
The good news? You can absolutely achieve it, step by step. Just like anything in life, small, manageable actions help you build confidence and make realistic progress towards living on your own.
This guide walks you through saving money, planning for independence, choosing the right savings account, and looking after yourself along the way.
🏠 Why Moving Out Is a Big Step — And Why You’re Allowed to Want It
Wanting your own space doesn’t make you any less caring, supportive, or responsible. It means you’re growing.
Moving out can give you:
- A sense of independence
- A chance to build your own routines
- More space for rest, hobbies, and relationships
- Confidence in managing your own finances and wellbeing
Even if you’re not ready right now, it’s okay to start imagining — and planning.
💰 Step 1: Start With Tiny Savings Goals
Saving money is less about big leaps and more about consistent little steps.
Here are some tiny savings habits to try:
- Put aside £2–£5 a week
- Save any birthday or Christmas money
- Round up purchases (many banks have this feature)
- Track your spending for one week just to see where your money goes
Even very small savings add up — and they build confidence.
📦 Step 2: Work Out What Moving Out Might Cost
You don’t need exact numbers yet, but here are the usual costs:
Monthly costs
- Rent
- Utilities (electricity, gas, water)
- Wi‑Fi
- Food
- Transport
- Phone bill
One‑off costs
- Deposit (often 1 month’s rent)
- First month’s rent upfront
- Basic furniture if your place is unfurnished
- Kitchen essentials (kettle, cutlery, pans)
You don’t need it all at once — just knowing what’s coming helps you plan.
🏦 Step 3: Open the Right Savings Account
Choosing the right savings account can make your money grow more quickly. But what is a savings account? A savings account is simply a place for you to put your money and earn some interest.
🔓 Easy-access savings accounts
– These let you withdraw money whenever you need — great if you’re saving for moving-out costs.
– Easy-access means flexibility — perfect for short-term goals like deposits and essentials.
🔒 Fixed-rate savings accounts
– You lock your money away for a set time but earn higher interest — ideal if your move-out date is 6–12 months away, or more.
📈 High-interest options for longer-term saving
– If you want to save for future goals like furnishing your place or building an emergency fund this could be an option. However, these accounts often need a higher starting amount, so think of them as a “future you” goal.
🛡️ Your money is protected
All UK‑regulated banks are covered by the Financial Services Compensation Scheme, which protects up to £120,000 per person per bank.
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🗺️ Step 4: Plan Your Timeline
You don’t have to move quickly — planning slowly means less stress.
Ask yourself:
- What would I need before I move out?
- How much can I save each month?
- What support do I still want in place once I live somewhere else?
- When would I like to be ready?
Even a rough “Maybe in 12–18 months” is helpful.
📝 Understanding Renting Terms (Made Simple)
Renting for the first time can feel like learning a new language — but once you know a few key terms, it becomes much less scary.
Here are some of the most common ones you’ll come across:
Tenancy Agreement
A written contract between you and your landlord. It explains the rules, how long you’re renting for, what you’re paying, and your rights. Think of it as “the house rulebook.”
Guarantor
Someone (usually a parent, relative or trusted adult) who agrees to pay your rent if you can’t.
Not everyone needs one, but many landlords ask for it, especially for young renters.
Deposit
Money you pay upfront (usually one month’s rent or up to five weeks). It’s held in a protected scheme and returned when you move out — as long as the property is in good condition.
Inventory
A checklist of what’s in the property and the condition it’s in at the start.
Always check it carefully and take pictures — this protects you when you move out.
Bills Included / Excluded
Some places include bills (like Wi‑Fi or electricity) in your rent. Others don’t.
Always double‑check so you know what you’ll be paying monthly.
Council Tax
A fee paid to your local council for services (rubbish collection, street lighting, etc.).
You may get discounts or exemptions depending on your situation.
💡 Entitlements & Financial Support You Might Be Able to Access
As a young adult carer, you may be eligible for extra support when you move out — financial, practical, or both. This can make a huge difference.
Council Tax Reduction
If you’re on a low income, a student, or living alone, you may be eligible for a discount.
Universal Credit (if eligible)
This could help with:
- Rent
- Living costs
- Being on a low income
- Looking for work or studying
Carer‑related financial help
Depending on your caring situation, you might still be eligible for:
- Carer’s Allowance (if you meet the criteria)
- Carer premium (added to some benefits)
- The Carer’s Element (through universal credit)
Warm Home Discount
A one‑off payment to help with winter heating costs if you meet the criteria.
Local Welfare Assistance
West Sussex provides emergency support — from essential household items to help with one‑off costs — mainly through the Household Support Fund. Carers can access this support via Carers Support West Sussex.
And you don’t have to navigate any of this alone. Carers Support West Sussex has a dedicated Benefits Advice team who can guide you through what support you may be entitled to.
💬 How to Talk to Your Family About Moving Out
This is one of the hardest parts for young adult carers. You might feel guilty, worried how they’ll cope, or unsure how to bring it up. Here’s a gentle way to approach it:
Choose the right moment
Pick a calm time when everyone is relaxed and not in the middle of stress or appointments.
Use “I” statements
This helps you express your feelings clearly and honestly. For example:
“I feel ready to make some changes in my life and have my own space.”
Be honest about your needs
It’s okay to say you want independence, space, or a break from caring responsibilities.
You’re allowed to want a different future for yourself.
You could say something like:
“I need to focus on my own wellbeing and goals, and moving out feels like an important step for me.”
Talk about the plan, not just the move
Share your thoughts about timelines, savings, and what support might look like during and after the transition.
This can help everyone feel more grounded and less overwhelmed.
Expect emotions
People may feel surprised, worried, sad, or even relieved.
Their feelings don’t mean you’re making the wrong choice — it just means the change matters to everyone involved.
Explore support options together (if needed)
If you’re stepping back from caring, that’s okay. There are services that can help your family get the right support.
Carers Support West Sussex can guide you through practical next steps and care options.
🧠 Step 5: Look After Your Wellbeing
Big life changes = big feelings. Keep checking in with yourself.
Try small wellbeing habits:
- A 10–20 minute walk
- Eating regularly to avoid energy dips
- Talking to friends or other young carers
- Asking for help when things feel too heavy
You don’t have to do this alone — and you don’t have to rush.
🤝 Support for Young Adult Carers
If you’re unsure where to start, need help planning your future, or just want to talk things through, support is always here.
Carers Support West Sussex provides advice, emotional support, groups, and guidance for carers of any age 18+.
📞 0300 028 8888
📧 info@carerssupport.org.uk
🌐 Carers Smart Search: https://www.carerssupport.org.uk/carers-smart-search/
Our My Future group (ages 16–21) is also a safe space to chat, share experiences, and explore your independence.
🌟 Final Thought
Moving out is a journey — not a single leap. Every time you save a few pounds, learn a new skill, or think about your future, you’re taking a step toward independence.
You deserve a life that includes your needs, your space, and your dreams.
Take care,
The Young Adult Carers Team
