The short answer
A move in together is manageable if you separate setup, logistics, and buffer costs. List them, pick a clear split rule, and add a small margin for the stuff you always forget.
Rule of thumb
If it’s not on the list, it’s not in the budget.
Minimal numeric example
Total moving budget: 2,300 €
- Setup (deposit, fees): 1,600 €
- Logistics (truck, boxes, fuel): 350 €
- Buffer (small purchases): 350 € Split 50/50: 1,150 € each, or proportional if incomes differ.
Steps for a calm move
- List fixed costs (deposit, fees, first month).
- List logistics (truck, boxes, parking).
- Add a buffer (10–15%).
- Choose a split rule (50/50 or proportional).
- Set a weekly check‑in until moving day.
If / Then
- If incomes differ a lot, use proportional to avoid pressure.
- If you’re buying furniture, separate “must‑have” from “nice‑to‑have”.
- If time is short, increase the buffer.
The costs people forget
- Small gear: curtains, extension cords, tools.
- Address changes: mail forwarding, new subscriptions.
- “Lost days”: takeout, quick trips, last‑minute rentals.
These small items add up and are the real reason budgets slip.
48‑hour checklist
- Truck confirmed?
- Deposit and first month ready?
- Keys and documents centralized?
- Buffer still available?
What creates tension (avoid it)
- Deciding the budget “by feel”.
- Adding purchases without telling the other person.
- Splitting costs only after the move.
Signs your plan is solid
- You both know exactly what you owe.
- Last‑minute purchases don’t start arguments.
- You keep some margin at month‑end.
A tiny weekly check (5 minutes)
Once a week, ask three things: did any cost change, did we add anything, are we still within the buffer?
Short checks keep the budget calm without turning it into a project.
Common mistakes
- Underestimating “small” setup costs.
- Splitting expenses only after the move.
- Skipping the buffer because “we’re careful.”
If money is tight
Focus on the essentials first: deposit, utilities, and basic furniture.
Anything optional can wait one month. Delaying a purchase is often cheaper than stretching the budget.
Mini FAQ
Do we need a joint account for the move? No. A shared budget is enough.
What if one person pays upfront? Write it down and set a clear payback date.
Related guides
Next practical step (no pressure)
Draft the first cost list and add 10% buffer. That alone prevents most surprises. Keep the list visible for both of you. It keeps decisions aligned.