Remember getting your first apartment?  It’s probably one of the greatest “growing up” moments we can experience.  Finally!  No one nagging you to clean your room, no one hogging all the hot water, especially no one invading your privacy…and, oh…yeah, no one helping you pay the rent.  Or the utilities. Eek!  The initial rush of excitement and independence is suddenly replaced with anxiety because being a grown-up comes with a little more responsibility than deciding which flavor Ramen noodle you should fix for dinner.