I have been in relationships in the past but never actually lived together.
Most men talks about women how they don't understand them. And Women talks about men, how they are overly disorganized.
If you need to start a future with Financial Saving, and she doesn't want to work... Obviously she finds something that she likes to do and doesn't want to stop. Like an addict beside getting free disability money. Just start your own plan. Stay awhile. Do not ever tell her your plan. Women in general are manipulative, so one day she can say she will stop just to see what you're up to and break up your plan and in the end you end up stuck with her for the worst.
In a FAMILY there's always a leader. In a Community there's always a the Godfathers. And so on so forth, since you're a MAN, you need to start taking things seriously. Play along with whatever she come with and if she doesn't want to change, still save. Eventually when Hell breaks loose, you will have enough money and enough back-ups for everything.
If you're looking for apartments, regardless where you are visit rent(dot)com, you should find good deal lease. The rest is up to you with your pokerface...and if absolutely you give in to her and she ends up betraying you, have some sort of evidence of deals you made, then take her to court and the court will be for you and make her pay you back.
Again, relationship or not, you don't know someone not till you live with them. And anytime, any one will back stab you.