Cannot afford the Rent Anymore.

Pixie5740

tawecdl wrote: »

We made her aware of our situation the day I lost my last job. She just said she needed it on the day it is due and that is it. I had to lend £200 off my family for this, they cannot lend me any more.

TBH I was hoping there may be a council scheme for people in this situation. I heard mention of a rent deposit scheme?

Councils, housing associations and charities do offer rent guarantee and bond schemes but they don't tend to be for people in your situation. They're usually for people who are homeless, have a history of rough sleeping, ex-offenders, people with drug and alcohol issues.

https://england.shelter.org.uk/housing_advice/private_renting/rent_deposit,_bond_and_guarantee_schemes

elsien

Some councils do rent deposit schemes. The criteria differs between areas but the information should be on the council website.
Have you looked at comparable rents to see if you can get actually somewhere cheaper? Don't forget there's moving costs to take into account as well. Any chance of a second job - bar work etc- to keep you going for now while you properly look at your options.

Guest101

tawecdl wrote: »

Hi all,

I was in a decent paid job last year but, self employed. - That's not possible, you were either in a job, or self employed. (so you were probably employed and ripped off) This came to an end this January and I have now taken a job on pretty much half of the salary but a permanent job PAYE and very good prospects. - excellent

My concern is now that I am really struggling to pay the rent without sacrificing things such as heating, food etc. I can just about get by but I need to find somewhere cheaper to live and fast. - ok

So, here is the problem, our current landlord took £200 deposit, that is all. We have 2 dogs and she is fi9ne with that. I have looked at alternative private renting but the admin fees and deposit require me to save up over £1000. IMPOSSIBLE! - That's pretty typical.

I have applied for the council but we are a couple with dogs, very unlikely we will get anywhere. Everywhere says no pets. - also true - does your partner not work?

What are we to do without upsetting our current landlord as she has been lovely throughout. - in what regard?

Thanks in advance

If you cant afford it then you cant afford it. The only thing you can do is try to save up to move.


I don't understand though, with two incomes and no dependants how you're struggling so much

tawecdl

fairy_lights wrote: »

A lot of properties advertise as 'no pets', but that doesn't necessarily mean no pets.
It's at the landlords discretion and they can be flexible, I've rented a couple of 'no pets' flats with cats and have paid an extra pet deposit.


But if you're struggling with rent now what makes you think you're going to be able to manage if you move, is the rent you're paying at the moment unusually high for the area, or would you be willing to downsize?

it Is £550 per month and a 3 bed house (I have my 2 children stay on a weekend and they have their own bedroom)

We could downsize to a 2 bed flat/maisonette for £350-£400 p/m but that would mean we have £150-£200 per month to enable us to heat up the home and afford to pay the essentials before the debt spirals out of control. it is the transition costs that are preventing us. Not only that we will probably end up getting evicted in a couple of months anyway as even if we go without we are still struggling...

ViolaLass

Between the two of you, you're making £600 a month?

Guest101

tawecdl wrote: »

it Is £550 per month and a 3 bed house (I have my 2 children stay on a weekend and they have their own bedroom)

We could downsize to a 2 bed flat/maisonette for £350-£400 p/m but that would mean we have £150-£200 per month to enable us to heat up the home and afford to pay the essentials before the debt spirals out of control. it is the transition costs that are preventing us. Not only that we will probably end up getting evicted in a couple of months anyway as even if we go without we are still struggling...

Ok given that you should be bringing in (between you) £25-30k, the vast majority tax free. (even with child maintenance) you should easily be able to afford this - are you paying lots in debts?


You should speak to stepchange if you are

lincroft1710

£550 pm for a 3 bed house says you are in a low price area, I live 50 miles north of London and a 3 bed semi can be double that. Avoid eviction at all costs, it can have devastating effects on your ability to rent in the future.

hazyjo

tawecdl wrote: »

it Is £550 per month and a 3 bed house (I have my 2 children stay on a weekend and they have their own bedroom)

We could downsize to a 2 bed flat/maisonette for £350-£400 p/m but that would mean we have £150-£200 per month to enable us to heat up the home and afford to pay the essentials before the debt spirals out of control. it is the transition costs that are preventing us. Not only that we will probably end up getting evicted in a couple of months anyway as even if we go without we are still struggling...

Surely that's better than not being able to pay those things AND the rent.


Your children do not need a bedroom each. Are they the same sex? What ages? My friend, her husband and their son all share a one-bed flat over a funeral parlour. Needs must. A three bed house seems a bit OTT if you can't afford it. If they have to have separate rooms, then you and the missus take the lounge/sofa bed/floor/mattress.


Spring/summer is here. You won't need heating. Use that time to downsize. Look into benefits you might be entitled to.


If you are evicted, you may end up in a B&B or hostel so please don't think they will even give you two beds, let alone three - and your kids might not be able to stay. Try to take back control before it gets to that.


There's help on here re spending/debts. Shout if you need help finding it.


Good luck.


Jx

Kevie192

Could you not have tried to find another job similar to the one you were in earlier in the year? I don't really understand why you expect someone else to help you out because you decided to change careers?

comeandgo

Can you or/and your partner get part time work as well as your full time jobs? Supermarkets or hotels may need some extra part time casual staff.