I'm sort of in the same situation. I live with my girlfriend [we're 24 and 23 respectively]. I have never owned a small dog so she had to convince me. I have a Doberman that I love dearly. We are also in the process of finding a home and moving. I think that it's much more responsible to secure housing first. I can understand the budget concerns as pets are a fairly large expense. We have been doing our research for housing and yorkies. I think that it is probably best to make sure you find the apartment/house that you want that fulfills your needs FIRST. We're going to wait a few months until we're settled and have passed those unforeseen costs that come with a new rental/ownership. I think at the point, everyone has enough time to do thorough research and find a reputable breeder while making sure that everything on the homefront is going to be secure. I can't help but think that the costs associated with moving and new puppy ownership would probably more than overwhelm us. Just my opinion of course. Good luck to you two!