Once my mother passes, I will be left with half an income which will not be enough to live in this high rent apartment. I am so worried that I may be evicted as I am unemployed due to caring for my mother on a long term basis. I know when my mother passes, I'll be an emotional wreck although I receive emotional support from a support group I attend. Wait lists for senior housing usually almost always have a 2 year wait period. Any suggestions how to survive between the time of my mother's death and what do I do now that she's gone? I only receive a small SS benefit and am healthy enough to work part time. But your first pay check usually takes 3 weeks to arrive. Thanks for your wisdom.
I would start looking at your budget and looking for a new address. Your rent should not be more than 30% of your net income, 25% is a better goal. I believe that I have read that senior assisted housing is 30% of your income. Ask them what happens when you lose your mom. Make sure that you can either downsize, get a roommate or get a rent adjustment.
I would do a monthly list of all fixed expenses and look at the last 12 months to figure out an average on variable utilities. You can get most necessary utilities set up on annual plans that guarantee that you pay the exact same amount monthly. I would do this if your utilities vary widely from one season to the next.
I would also make sure that you are getting the best prices available on items like phone and internet. I think that the price increases sneak up and we don't realize that a phone call to update services can save us money.
Putting a budget in writing will show you exactly how every penny is allocated and it will help you know what you should be looking at for a rental amount.
I don't know where you live, but would a small trailer in a mobile home park be more economical? Maybe you could purchase something that is parked in a park that you will be able to afford for yourself.
There are lots of options, just getting out of our own box helps.
There might be a discounted rent if you ask, or they might have a smaller apartment you could move into when the time comes.
It never hurts to ask questions.
A paycheck is the least timely concern, it is finding the job that can be time consuming.
I think you need to downsize now. Is there any way you can make other arrangements for your moms care? You are sacrificing your own livelihood here.
Put your name on a list for low income apartments that are based on your income. There is usually a wait list so do it now. My cousin did that after her divorce. Also, apply for food stamps. Don’t get expensive things like cable tv.
Someone jump in and help me out here please. Can she get some other service like Hulu or Netflix on their own or amazon?
Grocery shop, don’t eat in restaurants. If you don’t mind me asking your age, can you get a part time job at least?
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