Separate monthly cost from move-in cash
Your monthly housing ceiling and the cash needed before move-in are different numbers. Build a worksheet for the first month's rent or purchase funds, security deposit, moving expenses, utility setup, and temporary lodging.
Price the physical move
Compare movers, packing, storage, insurance, elevator reservations, certificates of insurance, and building move fees. Ask both buildings about permitted hours before choosing a date.
Protect a transition reserve
Keep a separate reserve for delays, replacement purchases, transportation, meals, and overlapping housing. The right amount depends on income stability and the complexity of the move.
Use three scenarios
Create lean, expected, and high-cost versions of the plan. If only the lean scenario works, reconsider the date, location, or housing target before committing.