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Contributor ⭐⭐
February 11, 2019

Struggling with Escalating Rent

  • February 11, 2019
  • 46 replies
  • 39066 views

From what I have read, ever since the housing bubble burst, more people are renting instead of buying homes, causing rents to soar.  Investing in apartment buildings has become profitable, and the companies managing them are more interested in generating profits for their investors than they are in the welfare of their tenants.  However, the knowledge that I am in a crowded, leaking boat does not help me prevent it from sinking.

 

When I moved into my one bedroom apartment fifteen years ago, I could afford it.  Now, I manage to pay my rent from the income I derive from Social Security and my part time job.  Each year, the rent increases get larger and more monthly fees for services I neither need nor use are added.  As a result, I've turned frugality into a near art form, trimming all the fat I can from my budget, but I recoil at cutting into its muscle and bone.  What awaits me when my lease expires in February 2020 deeply concerns me.

 

My previous attempts at navigating the more affordable housing maze have resulted in dead ends.  Thanks to the cosmetic renovation craze, apartments offering far less than mine are now priced not that much less or even more than the one I currently lease.  What family I have prefers the cold of the north, while I enjoy calling Jacksonville, Florida home.  HUD and income-based senior housing have waiting lists one to two years long.  Plus, they require you to move in as soon as a unit becomes available, which would cost me two month's rent to break my lease. 

 

I visit Craigslist and other roommate websites.  Nearly everyone there wants a room, has a room to rent, or is looking to share with someone as young as they are.  I may be a minimalist, but I do own furniture and enough kitchen paraphernalia to cook for myself. 

 

The hope I retain is that I can find another person in a similar situation who has reached the same conclusion I have - that splitting the expenses of renting a decent two bedroom two bath apartment is preferable to huddling in a crummy efficiency where it is dangerous to be out after dark.

 

I thought this community would be a suitable place to nudge serendipity in that direction.  This post is the result of my contacting AARP about forming a Roommate Registry for solvent adults seeking responsible housing partners. 

 

If you would like to advise, commiserate, or better still, provide a viable solution, your response would be welcome and appreciated. 

 

 

    This topic has been closed for replies.

    46 replies

    fffred
    Conversationalist ⭐⭐⭐
    February 12, 2019

    Welcome BeeRambles!

     

    Some comments about your topic:

    One of the advantages of homeownership (whether a single family home, a townhouse, or condominium, etc) is that the mortgage amount is fixed (for most mortgages), so it doesn't rise like rent does. And eventually the mortgage will be paid off, leading to "no rent".

     

    Of course, there are other costs of homeownership and they may rise with inflation as does rent. In my experience (1 condo, 1 townhouse, and 2 single family) a conservative approach to buying will result in lower cost over time than renting. But everything needs to be considered carefully if a single person or a couple want to buy rather than rent long term; it could go either way, really, as to which is more beneficial. And renting does relieve one of a lot of responsibilities and gives one freedom for mobility.

     

    So, in your situation you might look into buying an affordable 1-2 br condo. Also consider putting your name on that 1-2 year list now for affordable housing...even paying a 2 month penalty to rent your lease might come out better in the end. Good luck!

     

    And I have to add... Wow! I am really blown away by your writing! Really really good. You'll "up the game" around here. 

    Contributor ⭐⭐
    February 12, 2019

    Thank you for the advice and the compliment.

     

    Contributor ⭐
    February 21, 2019

    This is a very huge concern of mine as well. I'm relatively new to AARP & recently divorced. I've been on Social Security Disability for almost 8 yrs, so my monthly income is less than half of what it was when I was working. The cost of rent & housing is constantly in my thoughts & keeps me from sleeping many nights every month. I'm sure that many single members have the same worries. 

     

    It would be nice if AARP did offer some sort of registry for people willing to share housing so members could meet up in a more trustworthy way than Craigslist or Facebook. 

    Contributor ⭐⭐
    February 22, 2019

    Thank you, Suzanneh.  Your reply made me feel I was right about composing mine.  It was also nice knowing I'm not the only one losing sleep over my housing future.    

     

    It has always been single people who pay the heaviest when they rent.  I've yet to find any apartment complex where the one bedroom apartments go for half the rent of a two bedroom or three bedroom unit. 

     

    Maybe if enough people like you and I state our views here, AARP will see what a good thing such a registry could be for its members and help us find a suitable solution to our rental dilemmas. 

    r447879w
    Contributor ⭐
    June 16, 2019
    I agree. I've been researching apartments in Jacksonville, FL only to be shocked by the rental prices. If the rent is HUD based due to retirement income at a certain level each month, those places were mostly full with long waiting list. I'm still looking though.
    2Papa
    Contributor ⭐⭐
    March 6, 2019

    Move somewhere more affordable!

    Contributor ⭐⭐
    March 6, 2019

    Duh!  Wasn't that the point of my post? 

     

    I am looking for an acceptable way to go about doing just that.

     

    Still, thanks for reading and responding. 

    Contributor ⭐⭐
    March 6, 2019

    I am in exactly the same position you are, BeeRambles, and it does scare me.  I'm pretty sure my landlord plans to renovate my apartment building soon, which means I'll be forced out.  I have no idea where I'll end up.  Rents in Oregon have skyrocketed over the last 3-4 years.  I'm living a bare bones existance, driving a 23 year old car, etc. 

     

    What state do you live in?  Wouldn't it be great if you said Oregon?  Smiley Happy

     

    I would LOVE to know about a reliable and safe rental referral service that can  either direct me to low cost senior housing or put me in touch with another senior in my position that would like to share an apartment and expenses.  

    Contributor ⭐⭐⭐
    March 6, 2019

    The next thing that is as sure as death and taxes, rent will go up.  It is not necessarily because the owner of the apartment complex wants it to, but because of property tax values.   I have lived in houses most of my life but the day came when I realized I could no longer handle the upkeep, as I lived alone.  Being over 55, I looked into various apartment complexes, I then visited Independent Living communities.  After visiting about 7 or 8, I found a very affordable apartment.  The rent included all the utilities except the phone!  At the time I moved in, it was a non-profit complex, but was sold to a for-profit outfit.  What did that mean?  Rents went up naturally!  While we still get all the utilities included in the rent, it has gotten to a level that is worrisome.  My Social Security is paying the rent so that makes keeping SS solvent for us seniors.  My only advice (and something I have done) is cut out the frills.  No magazine subscriptions (except AARP of course!), a cheap plan for a cell phone (Consumer Cellular is a winner), and watch the budget.  Try to save money if at all possible and set up an emergency fund for rent, etc.  Work with the landlord if you maybe have to delay the payment (can't pay on the first because you SS comes later).  It is not a perfect plan but  every little bit helps.

    Contributor ⭐⭐
    March 6, 2019

    For those of us experiencing escalating rents, it's difficult to save monies.  I recycle, use coupons, buy "day old" & "manager's specials," seek out thrift & consignment outlets, pay cash for purchases, take public transportation (bus) & drive a 15-year-old paid-for car.  I also cut the cable tv cord a little over 3 years ago (haven't missed it) & unplug outlets when not in use.  Every little bit helps.

     

    Contributor ⭐
    March 12, 2019

    I'm very interested in your Registry.  I live in San Francisco and for 38 years lived in a rent-controlled building.  In January, the entire building was evicted through the Ellis Act.  Since then, I've been crashing with friends.  I'm old enough to know that can't last long.  My search for housing has thus far proved fruitless.   Your idea of a Roommate Registry just might be the ticket.  I wish you good luck.

    Contributor ⭐⭐
    March 13, 2019

    Voltaire 1,

     

    Isn't it just like the government to rescind a perfectly good solution like rent control for us people on fixed income.  I recently read in AARP's newsletter than 80% of seniors will be renting.  Just how much blood do these suckers think they can get out us turnips?  Are tent cities for seniors in the future for us grasshoppers that don't have the funds to buy and have to rent? 

     

     

    jojo0345
    Contributor ⭐
    March 13, 2019

    At age 75, i decided to buy a 2 story townhouse. That was 3.5 years ago. I lived previously in a 55 plus rental. A really nice 2 bedroom cottage with a garage. I loved it there. Lots to do and regular exercise program. But, rent kept going up. Except for utilities and HOA fee of an xtra $240 A month, my home payment is half with a 15 yr mtg. So I plan on staying as long as I can get up those 16 stairs.

     I think some kind of registry would be nice, but don't know if AARP is the one to take it on. I think it benefit us to take it up with city planning. I wish they would plan for tiny homes with a small front porch, in a walkable community, with grocery and stores nearby. And of course, near my family ( that is the 'catch').

    Contributor ⭐
    April 10, 2019

    Same struggle here in Buffalo, NY. I am on a fixed income and the waiting lists for affordable housing are five plus years. Rents are almost as much as my income. I have lived in the same apartment for twenty years. But the place is declining and last night I found my water has been shut off! She hasn’t paid it since December! I don’t know what to do. I turn her in I risk losing my space.

    Contributor ⭐⭐
    April 10, 2019

    Water is a basic utility.  Report her.  

    Contributor ⭐
    April 10, 2019

    Well, I must have faith and hope for the best.

    I called the Health Department and Neighborhood Legal Services today. She was not responding to my texts...I AM DONE!!

    I also told them about the squirrels in the attic and rats in the basement. This place will be condemned and I have no where to go. 

    Community Manager
    March 20, 2021

    Hi @BeeRambles and others, does anyone know how we would go about approaching AARP for their backing in getting affordable and safe housing for seniors?

     

    I live in Virginia, been living in a cute studio apartment since moving out of the local homeless shelter. I have no interest in being homeless again and totally on board with this thread. Now to move forward in getting our local AARP chapters involved in the hopes of convincing the CEO of this crisis. Meanwhile, please be safe all!!!

    Contributor ⭐⭐
    March 23, 2021

    Congratulations for finding yourself a home, Angela.  You survived my worst nightmare.  

     

    When I contacted AARP with regards to forming a roommate registry, my response to their advice is the post which began this thread two years ago.

     

    A roommate registry or some sort of local bulletin board would be helpful, as AARP is a central site for seniors to visit. 

    Another idea would be repurposing now vacant buildings for affordable residential uses where, perhaps, kitchens and laundries could be shared while bedrooms and bathrooms remain private.  

    All I can hope is that AARP monitors its website, see how popular some posts are, and passes the information on to whoever is responsible for getting things done.

    Community Manager
    March 23, 2021

    Hi @BeeRambles thank you SO MUCH for taking the time to respond 😀 Personally I would not feel safe (murder, rape, stuff stolen, etc. Background checks can only do so much) with a roommate setup or stable (people run out on leases, refuse to pay their part), but that is just me. Did it a few times in my 20's, swore the last time, never again. By living by myself, I am the only one with access to my stuff and always pay my rent early (as soon as I got paid near 1st of each month, now as soon as my Social Security goes into my bank) and electric as soon as the bill arrives electronically. I am very fortunate to now be on my daughter's cell phone plan. She insisted. My old person PRIDE took a blow but knew she offered out of luv. For many years, I use to buy the buy-the-minutes phone cards. In my 60's now and want to rent a tiny cottage somewhere in Virginia where I have been living since 2015. It was Florida before that. Florida is zoned for Tiny Homes, but I have to avoid moving back there, too much family drama although I do miss my only child (a daughter) who was born there. She had gotten an awesome job offer in Arlington, Virginia and with me being divorced was not staying in Florida without her. She had never left Florida in her life. So I moved, to Manassas, Virginia which was not too far from her and less expensive. Arlington is so expensive!!! Anyway, she never liked Virginia and moved back to Florida. I thought about going back, but had nightmares about the hell I had lived in for over 40 years there. So here I was, in a state by myself, my reason for living way too far away. I gave up and became homeless. Between that and the awful economy in Manassas (businesses closing 2017), this old lady reached out with a Tiny House Idea to ALL Virginia HABITAT FOR HUMANITY. I only received responses from 2. One in Richmond and one in Roanoke. They both let me know they dealt only in large housing for families and Tiny Homes would not work. But Ms. Jenny from the Roanoke one told me about their local homeless shelter. My area's shelter had 3 pages on their waiting list. No surrounding locations would take me in, you had to be a resident for 90 days. I called the Roanoke Rescue Mission and they had a bed for me. I am so GRATEFUL to them and now VOLUNTEER there since retiring last year JULY 2020. Bottom line, America needs to do better with making sure their elderly are not HOMELESS. One lady 90 years old passed away in her sleep at the shelter. Sad 😭 That could be any if us!!! I spent 13 long months in the shelter, saving $5,000 to buy a 2006 Hyundai Elantra so I could keep my job with Carilion Hospital. And pay the DEPOSITS on my studio apartment and to get my electric turned on. Car tag, title, insurance, car repairs. Bus service is a joke. Stops at 7pm weekdays. 4pm Saturdays. Zero on Sundays. 1st bus, 7am/lol. Not a way to keep a job and I NEEDED to get my own place. ZERO housing help as didnot meet their qualifications. Anyway, I did it, this AUGUST will be 3 YEARS in my cute studio apartment. Lol, broke, but happy to not be in a shelter. No sleep at night or quiet during the day, lucky if I get a parking spot = reason for my goal to rent a tiny cottage 😉

    Contributor ⭐⭐
    March 26, 2021

    Following AngelaS579497's advice and after reading the headline in yesterday's newspaper which reported the state is taking $283 million from its fund designated for affordable housing to use on wastewater and sea rise projects, I called AARP Florida this morning.

    I made suggestions to Norm, who answered my call, about AARP sponsoring a roommate registry, creating a forum where housing could be discussed, or some sort of electronic bulletin board.  He listened to me politely and said he would pass on my information.

    Yet again, I've renewed my lease for another year of miserly living to make ends meet.  I've deleted my Craigslist ad, which didn't net me any workable responses as well.  

    I've done all I can think to do on my own.  As I've recently read that demand for affordable housing in Florida is four times the amount of available places and there are now more Realtors than they are properties listed, I don't have much hope for the future.

    Community Manager
    March 26, 2021

    Hi @BeeRambles thanks for the update, much appreciated. I wish I could stomach moving back to Florida (left in 2015) so I could work on creating Tiny Home Communities seniors could rent. I luv this concept and wish my state (Virginia) was zoned for them 😞 Anyway, moving forward, it may take a group of fellow seniors to solve the problem. Have you thought about approaching Senior Centers, local news media, local government and so on? It is CHEAPER to PREVENT homelessness versus RESCUING the homeless. Lol, Iike you, I want to AVOID being homeless. In my case been homeless and way too OLD to repeat that journey.

    Contributor ⭐⭐
    March 30, 2021

    Angela,

     

    It was hard enough to make that phone call.