Rent and Save: How to Save Money When Renting an Apartment

Most people make the argument to buy a home rather than rent an apartment because they see it as a long-term investment. That’s easy to say when you actually have the money to invest, though. The smarter thing to do with your money may actually be to rent.

Renting allows you to do a lot more with a significantly less amount of money. It’s cheaper to pay for rent than to cover the cost of a mortgage each month, not to mention, renting can improve your quality of life as a whole. 

Here are 3 ways that renting an apartment allows you to save money.

1. The Initial Investment is Small 

If you were to buy a house right now, your down payment would be much higher than a deposit check for an apartment would be.

Whether an apartment complex is asking for one or two months of rent up-front, they’re still giving you an amazing deal in comparison to what a home purchase adds up to. More so, you have to remember the deposit you make up-front is actually money that goes right back into your pocket.

When you pay for the last month’s rent before you move in or you cover the first two months in advance, you don’t have to worry about these payments later on. What you’re really paying for is peace of mind.

2. Repairs Are Free 

Aside from the savings you get when you compare the cost of renting vs. buying, there are additional savings to think of in terms of repairs. Any repairs in a home fall on the homeowner. They can’t call someone to fix their drain or see what’s wrong with the dishwasher. 

But when you rent, you get most repairs done for free. Your landlord takes care of things like appliances, plumbing, and air conditioning. Instead of having to search for repairmen and pay out of pocket, you have all the home maintenance you need in one place. 

3. You Get a Better Quality of Life at a Lower Cost

Repairs aren’t the only thing that is free when living in an apartment. Think about all the amenities you have access to, too! Between eco-friendly appliances, the option to move into a furnished apartment, and community activities, your rent check actually pays for a lot more than the apartment you live in. It directly contributes to your quality of life, which is an incredible value.

Rent and Save the Right Way

When you think about it, the best way to save money is to rent an apartment instead of rushing into a home purchase. It makes no sense to tie yourself into a mortgage you’re not sure how you’re going to afford if there are apartments available at a much lower rate. 

Add in the additional ways that renting saves money, and the decision is a no-brainer. To rent and save means you can stretch your money a lot further and better enjoy life as a whole rather than worrying about making rent. 

If you’re interested in additional ways to save money while renting, click here!

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Is Renter’s Insurance Worth It? 5 Reasons It Is!

is renters insurance worth it

What would you do if you suddenly lost all your stuff? Say your apartment building burns down or an airplane crashes into it. Yeah, it’s rare but it happens.

Since you’re renting, chances are that you may not have a lot of stuff. But imagine having to replace it all at once. If you’re one of the 30% of Americans that have less than $1000 in savings, that may feel like an impossible feat.

You probably already know about the solution to this potential problem. However, you may be wondering “is renter’s insurance worth it?” After all, it’s one more bill you have to pay and your budget is already tight.

Let’s look at some reasons why it is worth it.

1. It Doesn’t Cost Much

Renter’s insurance premiums are actually extremely affordable. The average cost of renter’s insurance is only $187 a year! For the peace of mind that renter’s insurance can bring, that’s a small price to pay.

2. Your Apartment Community May Require It

The apartment community carries insurance on the building and grounds. To protect themselves, many landlords are now requiring that tenants show proof of having a renter’s insurance policy. They want to ensure they won’t be liable for your stuff if something happens.

In some cases, the apartment’s insurance company may even require it.

3. It Covers Your Belongings, Period

Renter’s insurance policies are designed to cover your belongings. Since belongings are mobile, they don’t necessarily have to be in your home to be covered. Many losses due to theft and other covered circumstances apply when they’re in your car, or even if you’re traveling. Just be sure to understand what constitutes “covered circumstances” on your particular policy.

By the way, if the loss is found to be due to your own negligence or deliberate action, they may not cover it. So don’t go burning your favorite music collection for the insurance money.

4. You’ll Get Liability Coverage

What happens if someone is injured while in your home? Or what if you accidentally injure someone? Or your dog bites someone? These are all examples of situations in which you would be liable and responsible to pay medical bills etc for the injured person. We all know how quickly medical bills can get expensive so you don’t want to be on the hook for those.

Basic renter’s insurance typically provides up to $100,000 in liability coverage. Of course, you can always opt for more for the extra peace of mind.

5. Unexpected Living Expenses

You never know when disaster will strike. What happens if your apartment floods and you need somewhere to live while they replace the floor? A hotel or motel might seem like a good option-until you start adding up the cost for a week or two’s stay.  With renter’s insurance, you won’t have to worry about it. Your policy will typically cover the cost until you can return to your apartment.

So…Is Renter’s Insurance Worth It?

What do you think? Is renter’s insurance worth it? There are a lot of benefits that come with a very affordable policy. Since you never know what life can bring, why not take advantage of the peace of mind?

To check out more tips for renters and apartment dwellers, feel free to browse through the other posts on our blog!

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4 Tips for Renting an Apartment for the First Time

Congratulations on preparing to rent your first apartment! Considering that over 30% of renters have moved in the past year, chances are that it will be your first of many. Renting your first apartment is exciting but can be a bit of a challenge if you aren’t familiar with the process. We’re here to help you get started with these tips for renting an apartment:

Tips for Renting an Apartment

Before you sign a lease, start out with these tips:

1. Set Your Budget

Rule #1 is to have a clear budget for what you can and can’t afford. It’s even a good idea to have a goal rent and a stretch rent.

How do you know what that budget should be? The general rule of thumb is that no more than one-third of your pre-tax income should go toward your housing costs. Keep in mind that this includes rent, utilities, renter’s insurance. Let’s say you make $3,000 each month before taxes. That means you could spend about $1,000 or less on your apartment. You budget an average of $100 for energy bills, $50 for water, $15 for renter’s insurance, and $50 for internet access. You should aim for an apartment that costs $785 per month or less.

Of course, these are general numbers. Be sure to look at all your monthly expenses like student loan payments to set a comfortable budget. It’s also important to look up apartments in your area to see whether your budget is reasonable.

2. Make a List of Questions to Ask the Leasing Office

When you have a budget, you can start touring some apartments. Before you do, make a list of questions to ask the leasing office. Your list may vary, but here’s a list to get you started:

  • How much is the security deposit?
  • When will the apartment be ready for me to move in?
  • What utilities am I responsible for? How are they billed?
  • What is your policy on pets? Are there additional fees or deposits required?
  • How long is your lease?
  • What fees are required to apply for the apartment? What fees are required to move in?
  • What will I be responsible for when I move out? Will I need to pay a cleaning fee?
  • Which cable and internet providers are available?
  • In which school district is this apartment located (if you have kids or plan to have kids soon)?
  • What type of parking is available? Is there are an additional parking fee?
  • What apartment amenities does your community offer?

Have your list ready and be sure to ask the same questions at each apartment community you visit.

3. Check Crime Rates

It’s important to find out whether a neighborhood is safe before you move into it. There’s a lot of local crime information available online. You can also call the local police department and ask how safe the area is.

4. Don’t Skip Renter’s Insurance

This is crucial: always maintain current renter’s insurance. The cost is minimal, often as low as $10 or $15 per month. It covers you in the event of a fire or other tragic event. Many apartment communities require it before move-in, but it’s still important if they don’t.

Renting Your First Apartment

Few things compare to the excitement of renting your first apartment, but it takes a few steps to get there. The tips for renting an apartment above can help you get started on the right foot.

If you’re ready to look for an apartment in Fort Wayne, contact us today!.

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Living Minimalist: 5 Tips for Downsizing to an Apartment

Are you getting ready to move to a smaller apartment? Are you worried about having too much stuff that might not fit into your new space? There are a few things to consider before taking the first steps to living minimalist lives. You don’t have to complicate it. With some careful planning and the ability to say no you can de-clutter your space and set up your new home in one go.

1. One Room at a Time

When going for a minimalist lifestyle it’s important to start small. Downsizing can be overwhelming. So we recommend focusing on one room at a time. This will allow you to select a few things from each space and get rid of the rest. While getting rid of unwanted items, come up with a theme that you may want your new apartment to have. This will give you a cohesive perspective as you go on to the next space.

2. Get Rid of Extra Furniture

Moving is a great time to get rid of that ugly old couch you’ve hated for years. Minimalist spaces thrive on limited furniture and no clutter. When cleaning your spaces in preparation for moving, donate or curb the furniture you no longer like. This allows you to let go of your cluttered past and it may allow someone else a chance at updating their own space!

Minimal spaces can be comfortable, even without a bunch of chairs. Pick and choose the pieces you think will work best with your overall look for your new space.

3. Clean Floors and Clear Walls

Furniture isn’t the only thing in a home that causes clutter. Sometimes walls overloaded with artwork and pictures can help drag a space down. The same goes for floors. If you’re going for a minimalist look, consider abandoning side tables and extra entertainment units.

Any flat surfaces should be clutter free too of course. For walls, consider one or two pieces that can catch the eye but not be overwhelming for the rest of the space.

Minimalism requires a certain level of self-awareness. Make sure each piece you decide to bring to your new apartment with you reflects who you are. This will help you weed out the extras you no longer need.

4. Learn to Say No

Learning to say no is a great lifestyle choice. It can also help you lessen some of the clutter that may threaten your new minimalist apartment. Say no to free samples. Say no to hand-me-downs. Saying no may make you feel guilty for a while but in the long run, it’s a good way to keep your space from getting bogged down with clutter.

5. Remember: Only the Essentials

When moving and downsizing it’s important to remember to bring only the essentials. If you have doubles of anything, get rid of those extra things you may not need. It’s always a good idea to purge your closet every few months. Donating or selling unwanted items can help your community as well as your state of mind.

Don’t be afraid to let go of some things when you’re moving. Your new space will be all the better for it in the end.

Living Minimalist in Your New Apartment

Embracing a minimalist lifestyle can seem overwhelming at first. But learning to let go of the items you no longer want or need can make your new space a home.

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The Top 5 Breeds That Make the Best Apartment Dogs

If you live in an apartment, you’ve probably been told that owning a dog is downright impossible. But that’s simply not true! In fact, there are many breeds that are well suited for apartment living and don’t need a big backyard to be happy.

Top 5 Breeds That Make the Best Apartment Dogs

Want to bring home a furry friend but not sure which breed would be best? In this article we’re covering the top 5 breeds that make the best apartment dogs, so you can find the perfect pup for your pad.


Now we know what you’re thinking, “how is the world’s fastest dog at all suitable for an apartment?” But the truth is, greyhounds are an ideal option for apartment living. Greyhounds spend between 16-18 hours a day sleeping, so they’re low maintenance, and don’t need the additional space to run around.

It is important to note, however, that greyhounds are active dogs. So, if you plan on adopting one, make sure you have the time (and energy) to take them out for exercise often. In fact, you should aim to provide them with a chance to sprint 2-3 times a week.

French Bull Dogs

In the past few years, the French Bull Dog has skyrocketed in terms of popularity; especially with city and apartment dwellers. These dogs are sweet, adorable, and wonderfully low maintenance, so they don’t need a ton of space or exercise to be happy. As long as you take them out for a short daily walk, you should be able to keep them in good shape.

You should know though that French Bull Dogs have flat faces, so they often have difficulty with breathing. This means you should watch out for them overexerting themselves in hot weather.

Bull Dogs

When it comes to dog breeds, no dog is better known for its laziness than the Bulldog. This breed is perfectly content with laying around all day and sleeping, which makes them ideal for people who live in small apartments. They’re also relatively tiny and gentle, so they’re less likely to make a mess of your space.


If you’re looking for a teeny-tiny companion, look no further than the Chihuahua. This pint-sized pup needs little space to play and often prefers to cuddle up under your bed or covers rather than run around. They also require minimal exercise, so they’re great for people who are on-the-go and don’t always have the time to take their pup out to play.

Be warned though, Chihuahuas tend to be extremely loyal and jealous dogs. They can also be untrusting of children, strangers, and other dogs so keep an eye out for them in social situations.


Another great apartment breed are Pugs, known for their playful and loyal personalities. Pugs are relatively quiet, so you don’t have to worry about them barking or disturbing neighbors, and they’re also very small, which means they won’t take up much space in your apartment. They’re also relatively inactive, which means you don’t have to worry about having to rush home to take them out after work.

Final Thoughts on Apartment-Sized Pups

Don’t let your worries about apartment-living scare you away from bringing your own furry friend home? By adopting one of these best apartment dogs, you can share your space with a pup that will thrive in it!

Are you looking to move to a new apartment? Check out our pet-friendly options!

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5 Tips for Giving Your Apartment a Cheap Makeover

Your apartment is a haven. It’s the place you come back to after a long day to unwind and relax.

Sometimes, the apartments we rent aren’t the pinnacle of home design. They may be a little drab and dreary, which doesn’t make for the best interiors.

Not to worry, spicing the place up isn’t hard to do and doesn’t have to cost much.

Here are five easy steps to achieve the perfect cheap apartment makeover.

5 Tips for Giving Your Apartment a Cheap Makeover

You don’t need to move into a new apartment to live somewhere with beautiful decor. It’s easy to spruce up your current living space to make it feel brand new. Loving where you live is essential.

When you’re happy at home, this affects other aspects of your life positively. Here are the best ways to make that happen.

1. Liven Up with Wallpaper

Dull walls can bring the vibe of the whole room down. If your apartment needs a fresh new look, start with the walls.

For a modern and classy look, go for a bold accent wall. Navy is a great color for this. If you want a lighter look, don’t go for white. It can be cold and uninviting.

Instead, go for a warmer white or even light grey. It helps the light distribution in the room and makes it feel bigger.

For renters, you may think you can’t change the walls. But, temporary wallpaper is a great way to add your stylish stamp on the place. There are a lot of styles to choose from, and all you do is peel and stick it in place and peel off to remove.

2. Get Rid of Clutter

Nothing makes a room more unwelcoming than a lot of clutter. It’s easy to make you feel overwhelmed and bring your mood down. I bet you have a list of things you want to throw away or find a place for. Do it now! A good rule of thumb is to purge anything you’ve not used in 3-6 months.

Buy storage for your things too. If you have kids, this is essential. Invest in some shelving or storage cubes to keep everything out of the way and reclaim your living space.

3. Bring in Some Greenery

Plants are a great way to decorate your home and make it feel fresh and inviting. Plants will never go out of style and there is always a plant for you. Local nurseries or garden stores will help you find the right plant and teach you how to care for it.

Are you prone to killing plants and don’t always remember to water them? Succulents and cacti are perfect for you since they thrive on neglect!

4. Make it Lit

You could have everything you need for the perfect interior, but poor lighting will ruin it all. Swapping out your bulbs is a cheap and easy way to make a big difference. There are a lot of smart home accessories which help you achieve the perfect lighting.

Your apartment kitchen might have fluorescent lighting installed. This can be great to work under, but it highlights any ugly areas immediately. Instead, try a soft, bright white light. This helps to make the room more inviting and comfortable while remaining functional.

IKEA sells lots of cheap, stylish lamps which adds to the decor in the room as well as providing the right lighting.

5. Create a Focal Point

For big and small spaces alike, a focal point can add a lot of depth to the room. Focal points don’t have to be grand, expensive decorations. A mirror over the sofa or a picture hung above the bed are great conversation pieces.

You don’t even need to buy new items. Re-frame family photos in a black frame for a bold and modern feel.

Get the Perfect Apartment Makeover

An apartment makeover doesn’t need to cost thousands of dollars. For very little, you can make your drab-looking place look beautiful. When you’re happy at home, you’re happier in life.

Like this article and want more advice? Check out our blog for more tips on making your apartment a better space.

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A Renter’s Guide to Getting Along with Your Neighbors

In today’s world, 36% of households rent their place rather than owning it. That’s the highest percentage the US has seen since 1965. Think about the wide array of people in that 36%: everyone from singles in their early 20s to families and empty-nesters. There’s no limit to the types of people you may have as neighbors while you’re renting an apartment.

With so many different types of people in such close quarters, it’s important to keep the peace. From people who have been in your shoes, here’s a renter’s guide to getting along with your neighbors.

A Renter’s Guide to Getting Along With Your Neighbors

Having a peaceful rental community isn’t a given. Here are some ways you can help:

Introduce Yourself Early

When you first move in, bring some treats to your neighbors and introduce yourself. They’ll be less likely to have a conflict with you if they know you personally. It’s also a good idea to give them your contact information. This way, if you’re being loud late at night, they can text you instead of getting up and knocking on your door.

Deal With a Problem Before it Escalates

A sure way to turn a small problem into a bigger one is to avoid it. If your neighbor has a habit of playing loud music late at night, mention it to them after the first few times it happens. Don’t wait until months later when they’re wondering why it hasn’t been an issue before.

Think About How Your Actions Affect Them

Part of living in an apartment community is being aware that your actions affect your neighbors. Common courtesy can go a long way. For instance, tell them in advance if you’re throwing an apartment party. And, recognize that having a dirty apartment could bring bugs to their home as well.

Don’t Treat the Leasing Staff Like a Referee

If you want to upset your neighbor quickly, complain to the leasing staff before you try to settle the problem with them. No one wants to get a reputation as a “problem tenant.” Chances are that they didn’t even know they were bothering you and that they’d be happy to help if they know about the problem.

Approach Them When You’re Calm

If you have an issue with your neighbor, don’t bring it up to them in the heat of the moment. Take time to cool off and come to them a few hours later or the next day. Explain the problem and come to them with a mutual solution to propose.

Don’t Assume You Need to Be Best Friends With Your Neighbors

Getting along with your neighbors doesn’t mean being their best friend. In fact, 40% of people say they actively avoid their neighbors.

If you enjoy each other’s company, it’s great to socialize with your neighbors. If not, don’t force it. Respect their space and their privacy. A cordial greeting when you pass each other may be all you need to have a peaceful community.

Choosing a Community Where You Feel at Home

Getting along with your neighbors is an important part of making your apartment comfortable. The renter’s guide above can help you create a peaceful environment for yourself and your neighbors.

If you’re still searching for the apartment community you can call “home,” contact us today!

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5 Innovative Tips On Living In A Small Space With Kids

living in a small spaceAre you feeling overwhelmed by all of your kids’ stuff that seems to be taking up your entire apartment? Is living in a smaller space with all of their stuff overwhelming you?

Don’t worry! There are some pretty simple ways of making your life easier and keeping both you and your kids happy. From storage to decluttering, you can make your apartment life easy. Just keep reading!

1. Declutter

Having small kids means you’re going to be inundated with potential keepsakes. But you don’t have to keep every piece of artwork or craft project your kids come home with. Throwing things away will help limit clutter in your small space and it will give you the chance to feature the really special pieces you may like in the future.

The same goes for getting rid of old toys and clothes your kids may have outgrown. Nostalgia is great. But not when it’s taking over your life and your home. Donate old baby clothes and toys.

If you seem to be drowning in old books and movies, maybe consider donating them to your child’s daycare or preschool so other kids may use them.

Donating unused items is a great way to keep your home clutter free!

2. Organization is Key

It’s important to have spaces for all of your kids’ belongings. Shelving, storage cubes, and designated play areas will keep toys out of the way in your living space. It will also help teach your kids how to be responsible.

Giving each child their own special basket or bin for their items will make them feel special and will help keep your apartment tidy.

3. No Multiples

Having a million sippy cups or plastic plates may seem like a good idea, but in small kitchens, it’s easy to be overwhelmed by multiple dishes. A few items for your kids is really all you’ll need. Let them pick out their favorite characters or designs and use those.

Donating the rest of your extra dishes will de-clutter your kitchen and free up a lot of space.

4. Use Your Neighborhood Amenities

Do you live near a park or a trail? Taking advantage of the great community amenities surrounding you is a great way to get your kids out of your apartment for a little while.

It’s also great to research the public transportation services located near you. This can give you the chance to get your kids out and into the community without having to bother with your own personal vehicle.

5. Give Your Kids the Master Bedroom

Kids and their stuff can take up a lot of room. And if your kids share a bedroom it may be a good idea to give them the larger bedroom in your apartment.

While this may seem like a big sacrifice, it really isn’t. Giving kids a larger space gives you the opportunity to keep their belongings organized better. And it lets them grow up in a space that doesn’t feel too claustrophobic.

More Ideas for Living in a Small Space

If you would like some more advice for living in a small space with your kids, visit our blog.

We offer many different apartment styles and pet-friendly options. Our low rent also makes us a great option for families too.

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How Do Monthly Renting Costs Compare To Owning A Home?

renting costsTo own or to rent. When considering housing choices, there are benefits and downsides to both.

When you rent, if something breaks, you just call maintenance and they fix it. When you own a home, a leaky roof means a huge out-of-pocket expense. But you can decorate however you like and any home improvements can help you get a great price if you decide to sell your home.

Money is a huge factor when making this important life decision.

To help you choose between home ownership vs renting, we’re sharing with you how monthly renting costs compare to owning a home.

Renting Costs Vs Home Ownership

The truth of the matter is that if you look at the short-term costs of renting an apartment vs buying a house, it’s more expensive to own a home. Nationwide, each month it costs 54% more to own than to rent.

In Florida, the median cost to own is 33% higher. Florida has the lowest premiums in the US. In New Jersey, the cost is 93% higher than renting. But that doesn’t mean that buying a home is just a money pit. There are advantages to buying a house versus apartment living.

The Benefits To Buying A Home

The long-term benefits of buying a home are numerous. You’ll have financial security and stability. There are also tax deductions and you can use your home as a vehicle for saving for retirement.

You can build equity to leverage if you need a loan or a line of credit in order to make home improvements or use for a financial emergency. And any home improvements you make boosts its value.

The Benefits Of Renting

There are fewer surprises to your finances associated with renting cost. That’s because most of the expenses are fixed.

You won’t have to worry about a tax hike hitting you or worry about how you’re going to afford to replace your dishwasher, furnace, roof, or air conditioner. Maintenance will do that for you, at no cost to you. You also don’t have to worry about mowing or snow removal which means you have more time to relax and to do the things you enjoy most.

When you purchase a house, you have to put down 20% of the cost of the house. When renting an apartment, you only need the first and last month payment along with a security deposit.

And, one of the biggest reasons many choose apartment living over buying a house is the monthly cost. Typically, monthly rent is less than the cost of a monthly mortgage payment.

Consider Renting Here

If you’re looking to keep your costs down, look no further than Poplar Ridge Apartments. We are conveniently located on the Southwest side of Fort Wayne. Close to shopping, entertainment, dining, and I-69.

Check out our apartment availability to find your new home today.

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How to Throw a Great Apartment Party Without Ticking Off Your Neighbors

Whether you live in an apartment or a house, throwing a get together for friends and family is always a good time. However, when you are in an apartment, there are normally close quarters and it’s important to be considerate of your neighbors. You can still host a fun party in your apartment while still respecting those living around you.

Here are some etiquette tips and tricks for when you are throwing your next apartment party.

Damage Control

One way to take some preventative measures before even having your party would be to get in touch with some of the neighbors that are psychically closest to your apartment. This is a great way to give them a heads up that you are planning on having a party at your place so that they aren’t taken off guard.

This is also a great time to let them know that you are doing everything you can to make sure things don’t get out of hand.

Have Your Apartment Party Early

Many problems arise when having a party in an apartment late at night because neighbors could be trying to go to sleep. This could be an even bigger problem if you have neighbors with small children. Don’t worry, you can still host a fun party earlier in the evening!

A cool party could still be a morning brunch, a dinner party, or a housewarming party even if they aren’t late at night.

Limit the Alcohol

With increased alcohol intake comes increased volume and noise. To make sure that your guests are as behaved as you want them to be, limiting the alcohol will help solve these potential problems. This way you won’t have to worry about getting any noise complaints or causing trouble with your management.

Instead, try to make sure your guests are occupied with other activities and games.

Make sure you have enough food and water if you do still plan on drinking, that way your guests don’t get as drunk as they would without filling their stomachs.

Keep the Guest List Down

Losing control of your party is not a good thing. Keeping the guest list for your party low is an easy way to make sure that you have better control of those who are partying in your apartment. The fewer people who are invited, the more each of those guests are more likely to be responsible for their actions and be more respectful of the space.

Not to mention the fewer people who are there equals more space for each guest! This will have everyone comfortable and not cramped. Fewer guests also mean that the party-goers will not be forced to take the celebration out of your space and possibly annoy any neighbors.

Turn Down the Music

Be respectful to your neighbors and make sure the music isn’t so loud that it will bother them. If the music is low your guests won’t feel the need to yell to talk to each other over the volume of the music.

This is an easy way to have control over your apartment party.

Have Fun

These tips will make sure the small setting doesn’t stop you from having fun during your apartment party. This party etiquette from you and your guests will guarantee a good time without annoying the neighbors!

Check out our blog for more apartment options and tips.

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