Whether you are moving an apartment or a three-bedroom home, the one thing that you will have to deal with is the furniture. It's heavy, it's bulky, it's expensive and you love it.

If it were junk, you'd leave it on the curb. But since it's not, you've got to get it to your new home. Even if it's a starter bedroom set, you may not be able to afford to replace it and yet, it may be heavier than you can carry yourself. This is exactly why you need to contact a professional mover. Even if you're on a shoestring moving budget, the safety and convenience is often worth a few hours of physical help to lug the sleeper-couch. You can even hire budget movers or cheap movers to help if you don't want to hire a moving truck or professional moving service. If you are moving your furniture to a storage unity, consider using AV Self Storage's Free Truck and Driver!

Your back and wallet will be spared if you keep these tips in mind:

• Check the newspaper's For Hire section of the classifieds to locate a "man with a van" who can help with one or two items. These operations charge by the hour and will help with the lifting. Expect to do your share of the heavy labor unless you are unable, in which case you should inform the driver so he can arrange for assistance.

• If you are hiring a professional, it's a good idea to insure your belongings. Replacement of damaged belongings is bothersome, but possible with proper coverage.

• You should always be present when the moving truck is loaded. If you can't attend, make sure you arrange to have a representative there.

• You can also arrange for a professional loader to help only with the loading of your belongings in the event you are driving a rental truck yourself.

• Make sure you inspect all of your belongings closely and read the paperwork closely before you sign anything.