You have your check from your work....you can open any bank account that you want....just stop at a bank/credit union & do it. Shoot, from the time I was working I always had my own bank accounts & my own checks.....& you just go to the phone company with your phone & you get your own account set up. When I left my H, we had the same account (different phone #'s)...all I did was call the phone company & they separated the two. I left him with the old account & I opened my own with them. Personally I wouldn't have a credit card....I would just use the debit/credit card that comes with the bank account you open....that way you don't end up spending money you don't have & get yourself into financial trouble.

You just do it....& there is nothing they can do to stop it....they don't even really have to know about the new account & you can take your name off their account when you are ready to move out if you don't want to cause problems.....but I think if you go into the bank where they have their account, you can just take your name off it the account & I don't even think they would know (depending on how the bank deals with name changes on the account.....they would however probably notify your parents that your name was off the account).

If your parents say anything just say, you graduated from college & you feel the need to get used to being more responsible on your own as its impossible to grow up without becoming independently responsible.

You can actually look for apartments on your way home from work or leave a little early & look before work & you can do a lot of looking over the internet to start with.

Just a comment on getting involved with a financially irresponsible person.....I did.....& 33 years later he was making my life HELL....& even after I left he was making my life HELL in that he messed up the taxes on my inheritance from my mom & I had to deal with the IRS.....it took over 6 years to pay them off......& he let the house that my name was still on the mortgage....almost end in foreclosure. When I was finally done with the IRS & needed our joint account to cash the overpayment check that was in both our names....I found that he was living on the overdraft charges to pay all his bills every month. Just this year he had accumulated over$1100.00 in overdraft charges ($29/each).....& almost $400 just in the last month. You might think you want to give the guy a chance....but honestly....leopards NEVER change their spots & they only get worse it they are that bad to start with. I knew I had issues with him financially before I married him along with his attitude.....it never got better only worse over what has now been 39 years.

I can understand why your parents probably had issues with him......my H couldn't hold a job well either because of the attitude issues that I had seen before the marriage also. It's important to LOOK at the whole picture when getting involved with someone.....they can be nice (my H was nice)....but the damage that he did countered any nice & the anger grew & so did the hate......definitely NOT worth getting married in the first place.....now I have escaped....& I have nothing from those 33 years.....just ME & the inheritance that I got from my mother that gave me the ability to escape in the first place.....for 13 years I was trapped & miserable & depression grew.

Not worth trying to force a relationship especially that has financial issues in the first place