Change is constant 鈥� especially when you鈥檙e young. Chances are you鈥檒l cycle through a few moves, job changes and romantic relationships as you establish your life as a young adult.

Each development in these three big areas of your life brings financial challenges, too. You might need a new wardrobe for the dream job you just landed. Dating isn鈥檛 cheap and moving is almost always expensive, no matter how far you go. Here are ways to manage the cost of change.

Housing changes

Moving is a logistical and financial challenge, but you can mitigate some of the stress and expense.

鈥淗aving a plan is always key,鈥� says Lacey Langford, an accredited financial counsellor. 鈥淭hink through the steps of your move and the costs that go along with it.鈥� The earlier you start planning, the more time you have to research, minimize and save for expenses you identify.

Try out a few easy ways to save money:

COMPARE MOVERS. Prices vary among moving companies. Some will require more movers to haul your stuff or higher hourly rates, which can drive up the price. Check the prices of three to five before choosing.

THINK BEYOND DIY MOVING TRUCKS. Hauling stuff on your own? Rather than using one of the go-to truck rental companies, check out rental car companies. See whether you can save money by selling or donating nonessential items and moving only what fits in a rental van. Depending on your move, you could save hundreds.

SHOP USED. Rather than buying a new sofa or area rug, check out local antique shops or secondhand stores. You may be able to save money and get a unique item at the same time.

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Relationship changes

Relationship changes could mean your and your partner鈥檚 money is moving closer together 鈥� or further apart. Whether you鈥檙e shacking up or breaking up, the key to managing finances is communication.

JOINING FINANCES. First, have a deep, honest conversation. Talk about your money history, including things like how your parents managed their money, your current financial standing and your future financial goals, advises wealth psychology expert Kathleen 亚洲天堂 Kingsbury.

鈥淗aving this conversation does three things: First, it breaks the money silence. Second, it helps you understand each other鈥檚 money mindsets, and third, you get buy-in on how you鈥檙e going to pay bills and take on financial challenges,鈥� 亚洲天堂 Kingsbury says.

Next, plan how you want to handle your joint finances. 亚洲天堂 Kingsbury suggests checking in every six months or so to keep the dialogue going and ensure the plan is working for both of you.

SEPARATING FINANCES. Breaking up has added complexity when you鈥檝e commingled finances. But a level head 鈥� and outside help if needed 鈥� can make it less painful.

Sit down and talk through each account you share, 亚洲天堂 Kingsbury advises. Come to an agreement about how you鈥檒l handle things like co-signed loans and authorized usership on accounts. Consider bringing in a third-party mediator to facilitate the conversation if you can鈥檛 do it amicably. A trusted friend or financial coach could be helpful.

A new job

Job changes can advance your career and bump up your pay. But there may be financial trade-offs.

鈥淎 new job can be exciting, but take the time to not make an impulsive decision,鈥� says Thomas Nitzsche, communications lead at Money Management International, a credit counselling agency.

Think through potential costs to see if you鈥檒l come out ahead, including:

BENEFITS. Consider total compensation. The new job might bring a bump in pay, but lesser benefits may offset it. For instance, if the medical coverage isn鈥檛 as robust as your former employer鈥檚, you may end up forking over more for co-pays and prescriptions.

LIFESTYLE CHANGES. A new job can change your day-to-day life drastically, including what you wear, how you eat and how much time you spend travelling.

Consider how a new commute could cost you 鈥� in both money and time. The less time you have to make dinner after work, for example, the more you may end up eating out. Also, think about whether you need a new wardrobe. Run through your budget and make sure you鈥檝e accounted for expenses that could pop up.

YOUR RETIREMENT ACCOUNT. Don鈥檛 leave your retirement account languishing with your former employer. You鈥檒l likely want to roll it into your new employer鈥檚 plan. But check the fees and investment options that come with it; you might be better off with a second retirement account to contribute to after you get the company match.

This column was provided to The Associated Press by the personal finance website NerdWallet.

Sean Pyles Of Nerdwallet, The Associated Press

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