{"id":98733,"date":"2026-08-19T11:04:33","date_gmt":"2026-08-19T15:04:33","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/en-ca\/?post_type=rbc_my_money_matter&#038;p=98733"},"modified":"2026-08-19T11:04:35","modified_gmt":"2026-08-19T15:04:35","slug":"moving-off-campus-with-roommates-heres-the-student-money-guide-nobody-gives-you","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/debt-and-stress-relief\/struggling-to-make-ends-meet\/managing-expenses\/moving-off-campus-with-roommates-heres-the-student-money-guide-nobody-gives-you\/","title":{"rendered":"Moving off campus with roommates? Here\u2019s the Student Money Guide nobody gives you"},"content":{"rendered":"\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<div class=\"wp-block-rbc-rbc-block drop-shadow pos-rel top-line-blue block-wpr\">\n<div class=\"wp-block-rbc-rbc-block-inner-block block-inner\">\n<h4 id=\"h-key-takeways\" class=\"wp-block-heading\">Key Takeways<\/h4>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"wp-block-paragraph\"><strong>Know your own budget first:<\/strong>&nbsp;Get clear on your personal numbers before you start talking money with potential roommates.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"wp-block-paragraph\"><strong>Build a simple money game plan:&nbsp;<\/strong>Decide how you&#8217;re splitting costs upfront. Assigning one \u201cowner\u201d per bill can help you to keep things simple.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"wp-block-paragraph\"><strong>Beat the rent panic:&nbsp;<\/strong>Set house rules for when rent is due internally and what happens if someone pays late to avoid scrambling at the first of the month.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"wp-block-paragraph\"><strong>Stop tracking pennies in your head:<\/strong>&nbsp;Use financial apps and tools like&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/ways-to-bank\/mobile\/rbc-mobile-app\/split-with-friends\/index.html\" target=\"_blank\" data-dig-id=\"LP-98733-65542ac4\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Split with Friends\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Split with Friends<\/a>&nbsp;to keep track of purchases and repayments as they happen so nobody silently keeps score.<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Moving in with roommates is an exciting chapter that also comes with a hidden reality of managing money with other people for the first time. While roommates expect disagreements over chores or noise, few prepare for conversations around money.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It\u2019s rarely one big expense that causes problems. Instead, it\u2019s the slow build-up of unanswered questions. Has everyone repaid you for the Wi-Fi bill? Whose turn is it to buy the paper towels? Do we all need to chip in for the new couch?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The good news? With a few upfront conversations and the right financial tools, you can avoid misunderstandings before they happen and spend more time enjoying your new home.<\/p>\n\n\n\n<h2 id=\"h-how-much-of-my-income-should-i-spend-on-rent-as-a-student-in-canada\" class=\"wp-block-heading\">How much of my income should I spend on rent as a student in Canada?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Before you can&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/school-and-career\/going-to-college-or-university\/sharing-expenses-with-roommates-how-to-set-your-home-up-for-success\/\" target=\"_blank\" data-dig-id=\"LP-98733-24d00d7d\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"decide what to split with others\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">decide what to split with others<\/a>, you need to know what you can realistically afford yourself.<\/p>\n\n\n\n<ol class=\"wp-block-rbc-list\">\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"wp-block-paragraph\"><strong>Get honest about your personal budget:&nbsp;<\/strong>Use tools like the&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/bank-accounts\/youth-student-banking\/budget-calculator.html\" target=\"_blank\" data-dig-id=\"LP-98733-14e3b0be\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"RBC Student Budget Calculator\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">RBC Student Budget Calculator<\/a>&nbsp;to calculate your monthly income from all sources (i.e. part-time job, grants, loans, etc.), subtract your individual fixed expenses (i.e. tuition, internet, phone plans, and insurance), and determine what is left over for housing.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"wp-block-paragraph\"><strong>Map out the true cost of moving:&nbsp;<\/strong>The first 30 days in a new home are the most expensive. Look beyond your monthly rent and calculate upfront costs, which often include:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\r\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">First and last month&#8217;s rent<\/p><\/li>\r\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">Security deposits<\/p><\/li>\r\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">Utility setup fees<\/p><\/li>\r\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">Furniture and moving truck rentals<\/p><\/li>\r\n<\/ul>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"wp-block-paragraph\"><strong>Identify and Track Your Spending Habits:&nbsp;<\/strong>Use tools like&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/ways-to-bank\/tutorials\/nomi\/nomi-insights.html\" target=\"_blank\" data-dig-id=\"LP-98733-f1831a33\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"NOMI Insights\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">NOMI Insights<\/a>&nbsp;and&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/mobile\/feature\/nomi\/budgets\/\" target=\"_blank\" data-dig-id=\"LP-98733-50521fe6\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"NOMI Budgets\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">NOMI Budgets<\/a>&nbsp;to analyze your monthly cash flow and build budget recommendations based on your actual habits.<\/p>\n<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Having a <a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/budgeting\/back-to-school-finances-budgeting-for-the-school-year\/\" target=\"_blank\" data-dig-id=\"LP-98733-af06a037\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"clear picture of your finances\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">clear picture of your finances<\/a> helps you enter roommate conversations with confidence instead of uncertainty.<\/p>\n\n\n\n<h2 id=\"h-how-to-split-bills-with-roommates\" class=\"wp-block-heading\">How to split bills with roommates<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">One of the most common mistakes roommates make is assuming they\u2019ll \u201cfigure it out later\u201d. Instead, create a clear, shared plan before you move in that answers common questions like:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\r\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">Which bills are shared?<\/p><\/li>\r\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">Who is responsible for paying each bill?<\/p><\/li>\r\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">How will expenses be divided?<\/p><\/li>\r\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">Which purchases are considered personal versus household expenses?<\/p><\/li>\r\n<\/ul>\n\n\n\n<h3 id=\"h-what-costs-are-usually-shared\" class=\"wp-block-heading\">What costs are usually shared?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Every household looks different, but common splits in expenses can look like this:<\/p>\n\n\n\n<div class=\"wp-block-group has-text-reg-font-size is-nowrap is-layout-flex wp-container-core-group-is-layout-8f761849 wp-block-group-is-layout-flex\">\n<table class=\"table-swipe wp-block-rbc-responsive-table-block\">\r\n<thead><tr><th scope=\"col\" style=\"width: 50%\">Communal Expenses<\/th><th scope=\"col\" style=\"width: 50%\">Individual Expenses<\/th><\/tr><\/thead>\r\n<tbody>\r\n<tr>\r\n<td><p class=\"wp-block-paragraph\">Monthly rent &amp; tenant insurance<\/p><\/td>\r\n<td><p class=\"wp-block-paragraph\">Personal groceries &amp; snacks<\/p><\/td>\r\n<\/tr>\r\n<tr>\r\n<td style=\"background-color: #E3F4FF\"><p class=\"wp-block-paragraph\">Utilities (hydro, gas, water)<\/p><\/td>\r\n<td style=\"background-color: #E3F4FF\"><p class=\"wp-block-paragraph\">Clothing &amp; personal care items<\/p><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><p class=\"wp-block-paragraph\">Shared home internet<\/p><\/td>\r\n<td><p class=\"wp-block-paragraph\">Personal streaming services<\/p><\/td>\r\n<\/tr>\r\n<tr>\r\n<td style=\"background-color: #E3F4FF\"><p class=\"wp-block-paragraph\">Common house supplies (trash bags, dish soap)<\/p><\/td>\r\n<td style=\"background-color: #E3F4FF\"><p class=\"wp-block-paragraph\">Commuting &amp; public transit costs<\/p><\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Sometimes expenses will exist in a \u201cgrey area\u201d &#8211; like the shared living room couch &#8211; which should be discussed and agreed upon before the purchase is made.<\/p>\n\n\n\n<h3 id=\"h-should-all-bills-be-split-evenly-among-roommates\" class=\"wp-block-heading\">Should all bills be split evenly among roommates?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">For many households, splitting bills evenly makes sense. But depending on room sizes, income differences or shared usage, another arrangement may feel fairer. Roommates should have an <a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/school-and-career\/going-to-college-or-university\/smart-money-tips-for-living-off-campus\/\" target=\"_blank\" data-dig-id=\"LP-98733-051fbf6d\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"open discussion\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">open discussion<\/a> and keep a shared list of recurring expenses so everyone has the same expectations.<\/p>\n\n\n\n<h3 id=\"h-should-all-roommates-be-listed-as-the-account-holders\" class=\"wp-block-heading\">Should all roommates be listed as the account holders?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">To keep payments organized and avoid confusion, you may want to consider assigning one person as the account holder for each recurring bill. This person will be responsible for paying the service provider directly and manage reimbursement from other roommates.<\/p>\n\n\n\n<h3 id=\"h-how-to-stay-on-top-of-repayments-from-roommates\" class=\"wp-block-heading\">How to stay on top of repayments from roommates<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Use tools like <a href=\"https:\/\/www.rbcroyalbank.com\/ways-to-bank\/mobile\/rbc-mobile-app\/split-with-friends\/index.html\" target=\"_blank\" data-dig-id=\"LP-98733-a05c76da\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Split with Friends\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Split with Friends<\/a> that help you keep track of who paid for various expenses \u2013 whether it\u2019s recurring bills or shared purchases &#8211; and request and keep track of re-payments.<\/p>\n\n\n\n<h3 id=\"h-how-often-should-you-review-expenses-with-roommates\" class=\"wp-block-heading\">How often should you review expenses with roommates?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Set up brief \u201cmonthly money chats\u201d with your roommates to review expenses and address small adjustments that may be needed. At the start of each semester, or if someone\u2019s situation changes (i.e. they plan to move out or get a new job) you can use these set times to revisit payment strategies and make sure that everything remains balanced and accurate.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-navigate-roommates-with-different-spending-habits\">How to navigate roommates with different spending habits<\/h2>\n<p class=\"wp-block-paragraph\">Even with a strong plan in place, day-to-day differences can cause friction among roommates. One roommate may buy premium dish soap and organic groceries, while another is happy with discount versions. One roommate may like the apartment warm in the winter, while the other prefers to keep the heat low. If not handled early, these micro-differences can turn into resentment.<\/p>\n<h3 class=\"wp-block-heading\" id=\"h-how-to-manage-spending-differences\">How to manage spending differences<\/h3>\n<ol class=\"wp-block-rbc-list is-style-blue-disc\">\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\"><strong>Define &#8220;shared by default&#8221; vs. individual preferences<\/strong>: Agree early on what items will be \u201cshared by default\u201d (i.e. toilet paper, dish soap) versus \u201cindividual preferences\u201d (i.e. premium foods, streaming services).<\/p><\/li>\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\"><strong>Establish an upper limit for shared purchases<\/strong>: Create a shared household budget for communal expenses and stick to it. Set the expectation that purchases above a certain limit require group agreement.<\/p><\/li>\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\"><strong>Keep shared budgets free of personal upgrades<\/strong>: Avoid using shared funds for personal upgrades or luxury items.<\/p><\/li>\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\"><strong>Normalize brief &#8220;house money chats&#8221;<\/strong>: Set up a brief monthly check-in to address small adjustments before they turn into major friction points mid-semester.<\/p><\/li>\n<\/ol>\n<h2 class=\"wp-block-heading\" id=\"h-what-should-i-do-if-my-roommate-doesnt-pay-their-share-of-rent\">What should I do if my roommate doesn&#8217;t pay their share of rent?<\/h2>\n<p class=\"wp-block-paragraph\">Rent is the highest-stakes shared expense and the one most likely to cause friction when paid late &#8211; even if it\u2019s caused by a late student loan disbursement or a pay cheque that doesn\u2019t align with rent due dates. If your roommate is behind on rent, address it early and directly. Set an internal due date before rent is due, agree on an accountability policy upfront, and tackle any missed payments immediately before they snowball into a bigger financial and relational problem.<\/p>\n<h3 class=\"wp-block-heading\" id=\"h-steps-that-can-help-you-avoid-late-payments-before-theyre-due\">Steps that can help you avoid late payments before they\u2019re due<\/h3>\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\"><strong>Set up an early \u201cinternal due date\u201d<\/strong>: Set a day three to five days before the actual due date for everyone to share their rent contribution with the assigned payer. This buffer helps absorb delays without risk.<\/p><\/li>\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\"><strong>Create an accountability policy<\/strong>: Decide together what happens if someone pays late. Is there a grace period? Is there an agreed consequence (i.e. covering a household chore or minor bill)? Having this conversation before it\u2019s needed can help avoid charged conversations.<\/p><\/li>\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\"><strong>Address delays immediately<\/strong>: Avoid letting rent debt accumulate across multiple months. One month late is a problem; three months late is a crisis.<\/p><\/li>\n<\/ul>\n<h3 class=\"wp-block-heading\" id=\"h-how-to-ask-for-rent-money-without-feeling-awkward\">How to ask for rent money without feeling awkward<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Sending a \u201creminder\u201d text can feel awkward, even with the closest of friends. Use tools like the&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/ways-to-bank\/tutorials\/send-and-receive-money\/request-money-from-someone.html\" target=\"_blank\" data-dig-id=\"LP-98733-f4b1d4c7\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Interac\u00a0e-Transfer - Request Money\" rel=\"noreferrer noopener\" class=\"rbc-link-format\"><em>Interac<\/em>&nbsp;e-Transfer &#8211; Request Money<\/a>&nbsp;feature to send a formal payment request &#8211; including the specific amount and due date. Once accepted, the money will be automatically deposited into your account with the need for a security question and answer.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To keep these transfers completely free, students can pair this with the&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/bank-accounts\/youth-student-banking\/advantage-banking-students-b.html\" target=\"_blank\" data-dig-id=\"LP-98733-c1b18329\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"RBC Advantage Banking for Students\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">RBC Advantage Banking for Students<\/a>&nbsp;account, which features no monthly fees and unlimited free&nbsp;<em>Interac<\/em>&nbsp;e-Transfers.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-managing-deposits-last-months-rent-and-mid-lease-changes\">Managing deposits, last month\u2019s rent and mid-lease changes<\/h2>\n<h3 class=\"wp-block-heading\" id=\"h-planning-ahead-for-deposits-and-last-months-rent\">Planning ahead for deposits and last month\u2019s rent<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Setting aside a little bit of money before a move can make it easier to manage the upfront costs like damage deposits, and first and last month\u2019s rent. Whether it\u2019s through an&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/bank-accounts\/savings-accounts\/high-interest-savings-account.html\" target=\"_blank\" data-dig-id=\"LP-98733-3be9cd45\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"RBC High Interest eSavings Account\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">RBC High Interest eSavings Account<\/a>&nbsp;or using a tool like&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/bank-accounts\/nomi-find-and-save.html\" target=\"_blank\" data-dig-id=\"LP-98733-656d95b1\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"NOMI Find &amp; Save\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">NOMI Find &amp; Save<\/a>&nbsp;that automatically identifies small savings opportunities within your day-to-day spending, every little bit saved can help avoid stressful moments during the move.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-how-to-keep-track-of-early-deposits\">How to keep track of early deposits<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Before moving in, it is recommended that you agree in writing how you\u2019ll handle any damage deposits. If one roommate pays the full deposit, set a repayment schedule and use&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/ways-to-bank\/mobile\/rbc-mobile-app\/split-with-friends\/index.html\" target=\"_blank\" data-dig-id=\"LP-98733-9df8b6dd\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Split with Friends\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Split with Friends<\/a>&nbsp;or&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/ways-to-bank\/tutorials\/send-and-receive-money\/request-money-from-someone.html\" target=\"_blank\" data-dig-id=\"LP-98733-ea89a7c6\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Interac\u00a0e-Transfer - Request Money\" rel=\"noreferrer noopener\" class=\"rbc-link-format\"><em>Interac<\/em>&nbsp;e-Transfer &#8211; Request Money<\/a>&nbsp;so there\u2019s a record of payment and repayments.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-how-to-handle-a-roommate-moving-out-in-mid-lease\">How to handle a roommate moving out \/ in mid-lease<\/h3>\n<p class=\"wp-block-paragraph\">Plans change and leases don\u2019t always line up perfectly with the start and end dates of a semester. Agree in advance what happens if someone needs to move out mid-lease &#8211; whether they\u2019ve graduated or go on exchange. Here are some questions to consider:<\/p>\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">If everyone paid for the damage deposit, will you reimburse the roommate moving out immediately or at the end of the lease?<\/p><\/li>\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">How will you reimburse last month\u2019s rent?<\/p><\/li>\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">Will the new roommate be responsible for providing last month\u2019s rent deposit upon moving in?<\/p><\/li>\n<\/ul>\n<h2 class=\"wp-block-heading\" id=\"h-preventing-hidden-fees-and-silent-debt-between-roommates\">Preventing &#8220;hidden fees&#8221; and silent debt between roommates<\/h2>\n<h3 class=\"wp-block-heading\" id=\"h-what-is-silent-debt-between-roommates\">What is silent debt between roommates?<\/h3>\n<p class=\"wp-block-paragraph\">Silent debt is what happens when small, informal expenses \u2014 a grocery run, an Uber, a takeout order \u2014 go untracked and unrepaid between roommates, quietly adding up over time. Silent debt is one of the most insidious roommate money issues because it doesn\u2019t announce itself &#8211; it builds slowly. One person covers a grocery run or pays for the Uber home on a night out. None of it is ever formally tracked and neither party wants to be the one to bring it up. Over time, one roommate ends up quietly subsidizing the other and resentment can build.<\/p>\n<h3 class=\"wp-block-heading\" id=\"h-how-to-eliminate-silent-debt\">How to eliminate silent debt<\/h3>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"wp-block-paragraph\"><strong>Ditch the &#8220;I&#8217;ll get the next one&#8221; guessing game:<\/strong>&nbsp;Avoid the habit of alternating turns without actually tracking the math. Use the&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/ways-to-bank\/mobile\/rbc-mobile-app\/split-with-friends\/index.html\" target=\"_blank\" data-dig-id=\"LP-98733-1665c324\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Split with Friends\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Split with Friends<\/a>&nbsp;app to track the expense and settle up payments.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"wp-block-paragraph\"><strong>Settle up consistently:&nbsp;<\/strong>Use your \u201cmonthly money chats\u201d to check-in on any outstanding payments and settle them before they build resentment. Alternatively, use the&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/ways-to-bank\/tutorials\/send-and-receive-money\/request-money-from-someone.html\" target=\"_blank\" data-dig-id=\"LP-98733-f8457dc6\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Interac\u00a0e-Transfer - Request Money\" rel=\"noreferrer noopener\" class=\"rbc-link-format\"><em>Interac<\/em>&nbsp;e-Transfer &#8211; Request Money<\/a>&nbsp;feature to set a specific repayment day.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"wp-block-paragraph\"><strong>Keep your conversations factual and neutral:&nbsp;<\/strong>Despite best efforts, silent debt may still accumulate. Address it directly and neutrally as soon as possible. \u201c<em>I\u2019ve noticed I\u2019ve been covering a lot of small things lately. Can we do a quick settle up?\u201d<\/em>&nbsp;is a more productive opener than letting the frustration surface in an unrelated argument.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Having money conversations with roommates is a skill, not a personality trait. Having the right tools makes those conversations much easier to start. Most roommate money problems are entirely solvable with an upfront conversation and a reliable system for tracking what\u2019s owed.<\/p>\n<\/div>\n<\/section>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse834a1009\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse834a1009\" data-dig-id=\"LP-57738-834a1009\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things our lawyers want you to know\"><span>Things our lawyers want you to know<\/span><span>Things our lawyers want you to know<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse834a1009\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p class=\"wp-block-paragraph\">This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Moving in with roommates is exciting, but managing money together is a challenge. 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