Setting up an apartment at the start is expensive, you have to buy your own furnitures, unless you move in with somebody who is already set up, openings in someone's apartment happen from time to time. Utilities will run you about $150 per month. The details about deliveries of furnitures and such are easy to figure out, most furniture shops deliver, set up your furniture and haul away the boxes etc. there is also a very helpful real state agent that will help you with setting up utilities and such, so easy in fact that is practically a non issue.