LIVING FOR LESS: TWO PLANS
IN less difficult economic times Rick and Nurit Amdur would be settling into their new, larger apartment about now, someplace where their 13-month-old son, Ariel, could romp and where there would be a modicum of privacy for Mom and Dad. The Amdurs, who are in the importing business, rented their two-bedroom apartment in the East 80's five years ago, expecting to move when a child came along. Like many couples in their situation, they assumed that if they continued to progress in their careers and managed to put some money aside, a move would be the next logical step. ''With what has happened to the money situation now it just doesn't make sense for us to move,'' Mrs. Amdur said. ''If you have something saved and it is working for you in investments or whatever, you hate to take it out. And if you have to borrow money at 18 percent, it can really hurt your cash flow to a point where you couldn't do anything else for a year or more.'' Instead of moving, the Amdurs decided before the baby was born to use some of their savings to make their 1,000-square-foot apartment more space-efficient. They spent $3,000 enclosing an outdoor terrace with glass, effectively adding another room. They plan to install small desk units in their large bedroom to make up for the office space that has become their child's room.