Budgeting for a Move: Where to Save and Where to Spend

15 September 2025

Moving to a new home is an exciting new chapter, but let’s be honest—it can also be expensive! Whether you're relocating across town or across the country, the costs add up quickly. Packing supplies, movers, security deposits—it all contributes to a hefty price tag.

But here’s the good news: You don’t have to break the bank if you budget wisely. Knowing where to cut costs and where to invest can make all the difference. So, let’s break it down and figure out exactly where you should save and where you should spend when budgeting for a move.

Where to Save When Moving

Not every moving expense deserves a big chunk of your budget. Some areas allow for smart cost-cutting without sacrificing efficiency or security. Here’s where you can save some serious cash:

1. Declutter Before You Pack

Before you start boxing up your entire life, take a hard look at what you actually need to bring with you. The more you pack, the more you’ll pay—for moving supplies, for moving truck space, and even for labor if you’re hiring professionals.

Ways to save:
- Sell unwanted furniture, clothes, and décor online or at a garage sale.
- Donate items to charity (bonus: it may be tax-deductible!).
- Recycle or dispose of anything that’s broken or unusable.

Decluttering not only saves you money but also makes unpacking easier and quicker.

2. Find Free or Cheap Moving Boxes

Cardboard boxes might not seem expensive, but when you need dozens of them, the cost adds up. Instead of buying brand-new moving boxes, get creative.

Budget-friendly alternatives:
- Check with grocery stores, liquor stores, or retail shops for free boxes.
- Use social media or online marketplaces where people often give away used moving boxes.
- Reuse boxes from previous deliveries if they’re still sturdy.

3. DIY the Packing Process

Professional packing services are convenient, but they’re also pricey. If you have the time, packing everything yourself can save a substantial amount.

Ways to cut packing costs:
- Use clothes, towels, and blankets instead of bubble wrap.
- Label boxes yourself instead of paying for professional inventory services.
- Pack systematically to maximize space and reduce the number of boxes.

It might take longer, but the savings can be well worth it.

4. Move During Off-Peak Times

Moving companies charge higher rates during peak seasons, weekends, and at the beginning or end of the month. If your schedule is flexible, plan your move during a less busy time.

Best times to move cheaply:
- Mid-week (Tuesday-Thursday)
- Mid-month (between the 10th and 20th)
- Off-season (fall and winter)

By avoiding peak-moving periods, you can often negotiate better rates with movers or truck rental companies.

5. Consider a DIY Move

Hiring professional movers can be a lifesaver, but if your move is relatively simple, you might save thousands by doing it yourself. Renting a moving truck and enlisting friends or family to help can cut costs drastically.

DIY moving tips:
- Get quotes from multiple truck rental companies to find the best deal.
- Use rewards program discounts or AAA membership benefits.
- Ask friends to help in exchange for pizza and drinks—it’s way cheaper than a moving crew!

Pro Tip: If you're moving locally, consider using your own car for multiple trips instead of renting a truck.

Where to Spend When Moving

Now that we’ve covered where you can save, let’s talk about the places where spending a little extra is totally worth it. Some expenses provide peace of mind, efficiency, or simply make your move way smoother.

1. Hiring Professional Movers (When Needed)

If you’re moving a long distance, have a ton of heavy furniture, or just don’t want the stress of loading and unloading everything yourself, hiring professional movers is a smart investment.

Why it’s worth spending on movers:
- They have the right equipment to move large, fragile, or bulky items.
- They can pack and transport your belongings quickly and efficiently.
- You avoid the risk of injury from lifting heavy furniture.

Just make sure to get multiple quotes and read reviews to find reliable and affordable movers.

2. Insurance and Protection Plans

Accidents happen, and the last thing you want is to lose valuable belongings due to damage or loss during the move. Investing in moving insurance ensures you’re covered.

Types of moving insurance:
- Basic coverage: Often included with professional moving services but offers minimal protection.
- Full-value protection: Covers the actual value of lost or damaged items.
- Third-party insurance: An additional policy for high-value items like art, electronics, or antiques.

If you’re moving expensive furniture or sentimental items, paying for better coverage is worth the peace of mind.

3. Quality Packing Supplies for Fragile Items

While you can cut costs on standard packing materials, it’s smart to splurge a little when it comes to fragile or valuable belongings.

Invest in:
- Sturdy, high-quality boxes for breakable items.
- Bubble wrap or specialty packing materials for glassware, electronics, and artwork.
- Heavy-duty tape to keep everything secure.

The small expense is worth avoiding broken dishes or shattered electronics.

4. Storage Solutions (If Necessary)

If there’s a gap between your move-out and move-in dates, renting a storage unit may be necessary. While it’s an extra cost, it ensures your belongings are safe and secure while you transition.

What to consider:
- Choose a climate-controlled unit for sensitive items (furniture, electronics, documents).
- Compare prices and opt for short-term rental options if possible.
- Look for promotions or discounts on first-month rentals.

5. Deep Cleaning Before Moving In

No one wants to move into a dirty home. While you could clean it yourself, hiring a professional cleaning service can save you time and ensure a spotless start in your new home.

What to prioritize:
- Deep cleaning carpets and floors.
- Sanitizing kitchens and bathrooms.
- Cleaning air vents and filters.

If you’re moving into a previously occupied space, this is one expense that’s totally worth it!

Final Thoughts

Moving doesn’t have to drain your savings. With a little strategic planning, you can minimize costs while still ensuring a smooth and stress-free move. Focus on saving where it makes sense—like gathering free boxes and packing yourself—but don’t be afraid to invest in areas that improve efficiency and security, such as professional movers and insurance.

By balancing what you cut back on and what you splurge on, you’ll make your transition into a new home both seamless and budget-friendly. Happy moving!