As the ongoing COVID-19 pandemic thrusts the economy into a nosedive, many have found it increasingly difficult to punctually pay the rent. Relief is available for those who are struggling and we show you how you can access it. Here are a couple of ideas for you to survive the ongoing crisis:
- Assess Your Budget Plan: If you are having trouble paying your rent while you still have a job and a consistent source of income, then perhaps you need to have a moment of honest self-accountability. Either the problem is with how much money you are making or how much money you are spending. If you feel that the money you are making should enable you to pay the rent, then you need to come up with a better budget plan that cuts out all the indulgences so that you can invest your limited monetary resources in all the essentials instead. However, the fact also could be your income is simply not sufficient to meet all your living needs.
- Communicate with Your Landlord: Choose the path of diplomacy rather than the path of war. It’s important to tell your landlord that you have been hitting hard times, especially when there is an ongoing pandemic that has been affecting business. Laws have been put in place to prevent evictions, but it is still important that you open up communication with your landlord on this matter such that it does not become an even bigger issue later on.
- Develop an Awareness of Rights: As a tenant, you have a certain set of rights that you are entitled to and it’s important for you to know them so that you are not taken advantage of by your landlord or anyone else.There are many sources that you can use to educate yourself about the rights that you have as a tenant. This includes:
- Eviction Lab gives you details of all the latest eviction policies: COVID-19 and Changing Eviction Policies Around the Nation (evictionlab.org)
- Information on rental relief and tenant’s rights is also available on the US Housing & Urban Development (HUD) Department (hud.gov)
- Regional Housing Legal Services (RHLS): Eviction Moratorium Maps – RHLS
- Community Resources | Just Shelter
4. Explore the Different Rent Relief Options Have: There are several rental options you can explore if you have trouble paying your rent. The first thing we recommend you do is consult the National Low Income Housing Coalition (Rental Assistance | National Low Income Housing Coalition (nlihc.org) and they can tell you about the rental relief initiatives in your locality. In addition, you can also consult 211.org as well as the Fannie Mae Disaster Response Network (Disaster Resiliency and Relief | Fannie Mae)