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A Simple Scorecard for a First ApartmentSet the guardrails before you scrollBefore opening any listing, write down four guardrails: budget, commute, safety, and dealbreakers. Budget means the full monthly cost, not just rent, including utilities, parking, fees, and renter's insurance. A useful rule is to keep housing costs within a range you can pay even in a bad month, not just on payday. Commute means the door-to-door time you can repeat on a normal weekday, including waiting, transfers, and walking. Safety means the building and block feel secure at the times you will actually come and go, such as early...