Keeping a roof over your head- unemployed renters

Chris Wodke

www.summittrainingpublications.com

If you are unemployed and struggling to pay you rent you do have several options.  The advice for renters is similar for homeowners.  You should make paying your rent your priority. Pay this bill first.  It won’t do you much good to be current on your electric bill if you don’t have a place to live.  Here are some other options:

Landlord
If you are a good tenant your landlord may be able to work something out with you.  They may reduce or defer your rent while you are unemployed.  Remember the landlord has bills too, so they may only be able to help so much.  Another option would be to trade labor for part of your rent. You my be able to do yard or building maintenance to help pay for your rent.  It is tough to find good tenants so see what you can work out with the property owner.

Lease

Check and see what the requirements are for your lease. You will need to know how much notice you need to give if you have to leave.  You have to comply with the terms of the lease if you want to get your security deposit back.  Also begin to brush up on eviction law, so you know your rights and those of your landlord.  If you have a lease you may be responsible for rent for the term of the lease even if evicted.

Roommate
Check your lease and discuss this option with your landlord.  You may be able to take on roommates to help pay expenses.  Any new tenant will have to go through a credit and background check and have to be added to the lease. This can significantly cut your expenses.

Relatives

You may have to give up your independence and move in with relatives. This can be a temporary solution while you are job hunting.  Go over any ground rules when you move back in. It is really common in this economy for adult children to return home.  Remember to help out with household chores even if you cannot help out financially.

Relatives and friends may be able to help out with a short term load to keep you in your rental unit.

Public Housing

If relatives are not an option, you may qualify for rent assistance or public housing.  This will be based on your financial situation. Also check with Catholic charities and other local charities such as United Way for help.

Struggling to pay your bills due to unemployment is a tough situation.  Remember to seek help early before your situation becomes desparate.

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