Mortgage

As Promised

This is as promised my fifth post in a session of writing. I’m on a roll. I might even try to finish open a more positive note. No promises see what I can do?

So, to give some context from all the things regarding my previous posts. For the last seven years I’ve rented an apartment through an affordability scheme. It was to take people off the public housing list but help landlords more than the tenant’s long term. The scheme ran for ten years, of which I benefited only the last seven. The landlords of new developments for a period were asked to offer up several properties to be managed by the government in exchange for cheaper rent to the tenant and what they lost in rent they got back at tax time. You gotta have money to make money, right? It is to say, I got to live in a complex with normal people not in a public housing silo. It is also the time to say when I got into this housing arrangement some bright spark, (Note sarcasm) despite my telling him not to, he had me removed from the housing list.

Every year I had to sign a new lease and provide financials and income statements to prove I was the only resident and I still qualified as low enough income to qualify for the scheme. What a MOTHER FUCKER. Mind you I had to do it every year for the seven years I was there. Honestly, it’s a different mindset. Remember the days you just needed to prove you could afford the rent?

In the time I’ve been on the Disability Support Pension I’ve had rent assistance which despite my rent going up every time, mostly initiating me having to relocate. It’s like the government that decides how much rent assistance needs to be doesn’t pay rent, or live in the real world, or care to learn how much rent is. We know the answer to all these things. No, they don’t!

In the last twenty years, I’ve rented houses for 4 years, each HOUSES WITH HOUSEMATES and at the end of the fourth year I’ve not been able to negotiate out of a rent increase, the landlord situation changes and I’ve needed to pay exorbitant rent or move. So, I’ve moved.

The house I rented the first time I moved with my disability. I struggled to find something in my price range and I was literally paying someone’s mortgage. I only had housemates for four months of the year. I stayed there and even asked my dad, who helped me a few times to cover the rent even though I’d bankrupt him.

That household situation had me move further out again, to never want housemates again. The first housemate, I ended up taking to VCAT, AMD. The second that lived with me for three months and was years my senior and had a huge reduction on her portion of the rent and had her son practically live with us. No more. There was the assumption, the government was paying my rent and my lifestyle. So, she thought to take advantage of that.

The last of the scheme I was in I paid $317 a week. At the end of the scheme my rent was to be $550 per week. They wanted me to sign a lease and there was no way I was doing that. If I was going to pay that much rent it was going to be somewhere nicer and quieter. I paid two weeks of that rent and timed it perfectly to get the fuck out.

I later checked the rental listing and it was advertised as $500 per week. Just scum, I know this post is a lot of specific financially, but necessary.

I could have afforded the scheme amount of rent in a reasonably comfortable lifestyle until sixty, when my income changes and I could no longer keep a roof over my head or the lights and internet on.

Not giving up all my things that tell people who I was/am/aspire to return to or just giving in and moving to some shit-fuck suburb, I wouldn’t survive in around people who HAVE ASPIRED TO NOT DO BETTER OR CARE, or to do better in life.

This post has not ended on a positive note has it.

Expectations

It’s really easy when you have an emotional detachment from issues that you can problem solve or find a solution to things when they are not your problems. You can assess the pros & cons and have a realistic expectation.

It’s easy to notice when people change and ??? when things in their live don’t go the way they would prefer.

I have found my circle of friends thin out over recent years, since my diagnosis and disability. Let me give you an example:

Once upon a time, well in last three jobs I worked in, office roles. Doing admin TPO Training Placement Officer) etc. The first job I ended up working up to having admin under my position and I was training them.

One woman, let’s call her ‘Sticks’ (she was tall and slim- don’t real any more it’s it) ‘Sticks’ and I worked there together and the next two places together. I saw her every day or had a conversation on the weekends of some sort.

She and I came from completely different walks of life. She still lived at home, still shared a room with her sister, yet managed to have sex. SEX! Every day with her boyfriend.

To be fair, her version of sex wasn’t mine, however that part is. When we no longer had that common thread, she got a different job (where she imagined she would have more time) and she would see me more.

Spoiler Alert: this did not happen.

For a little while after my treatment and before my hair had grown back and I’d started to see the ‘fall-out’ from my treatment, I’d go do lunch with ‘Sticks’ at the workplace I used to work at. I’d see the people I used to work with also. There was that sense of community I’d been part of, but no longer subscribed to. So for a little while the contact continued. I’d crank her (when you call someone and head up just as they got to the phone – which was something fun I used to do to her in the office, as I’d see her standing not far from her desk across the partitions in the office, so I could tell just how long to ring her and the conversations I’d have over the phone when she was forced to talk in code to have people around her not know what she was talking about or who) and on a rare occasion she’d call me at midnight. Yes, I know, midnight, wait

Because we were both awake and she wanted to pick my brain about getting or qualified for a mortgage. Wait! I know, I asked myself that question already. What do I know about getting a mortgage? Do I have one? No! I do not. But I would have a credit rating.

I’ve been a renter for so long, to sit down and work out how much rent I’ve spent, not on a mortgage and I’ve had household accounts with my name on them and while I’ve not recently owned a car or ever had a car worth much. (I had a poor art student car in the form of a Chrysler Galliant from the mid ‘90’s, but did I mention it was a mid 70’s model?) and I have had a Visa for some time.