LogFAQs > #925368887

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Topic	Apparently Owning Property Takes You From The Bottom 10% To The Top 20%
Trialia 07/30/19 4:41:15 AM #31:	aDirtyShisno posted... ChaosAzeroth posted... Trialia posted... To me anyone who owns a house is extremely well off, even if it's mortgaged. We're renting to own, and honestly the house is the cheapest one that's actually liveable in town. Not sure why tbh. Well if you could buy it outright, going rent to own it's twice the price. ... But for purposes of repairs and property tax we're considered the owners. ... It took most of the savings to get into this place and to deal with 3 plumbing issues due to the fact they didn't actually winterize, contrary to the notes left saying they did just this last winter. ... My mom was a considered a homeowner, but couldn't keep up with the mortgage and left. This house actually lol. House was literally taken by the bank. She was living paycheck to paycheck, not at all well off. In the slightest. We're definitely better off than a decent chunk of people, true. Especially around here. But we're not particularly well off. ... Finding a rental place was hell before, all full up. Now new for rent go unanswered. It costs as much per month to rent as it does to pay on a home. Maybe more depending. (Renting is anywhere from $350-$800 a month. Generally $500+ a month area, anything less being studio.) Payments on paying on a home tend to be around $600 a month. ... Where the hell do you live that $44K is too expensive to buy a home!? In California that wouldnt even be a deposit on the land... I've never seen that kind of money in my life. The most I've ever had at one time was about 5500, and that was only because my local authority decided to demolish my old rented apartment & they were obliged to give me a certain amount in compensation (it mainly went on carpets, curtains, bookcases, a used electric wheelchair and a new laptop to replace the one I'd had stolen the previous winter). I have so many "unusual" expenses due to my multiple disabilities; since I really can't work anymore, the government pay me a certain amount in support, & they pay my rent direct, but even if you include all that & look at it as money I get directly, which none of it is, I'm on maybe $12,000/year. (And that wouldn't last me 3 months in the US, my meds would cost that much all by themselves, so let's just not go there.) The only reason I'm as comparatively well off as I am among the underclass is that I get the second tier maximum support because my disabilities are numerous & severe. The highest tier is for people who are bedbound or need 24-hour care. Frankly, I'd trade it for being able to work at least part-time; at 33 being totally out of work can be humiliating, & being dependent on the system makes me a target for abuse & assault from all kinds of people. And even then I owe my local authority 8K for homecare because they were useless about communicating with me in a way I could manage til recently (I struggle with phone calls). So I'm better off than I might be, & our laws about habitable housing help there, but I have no hope of ever being able to own even a crappy apartment. I'm on an assured tenancy, & even that will fold if I can't get more help than I'm getting with keeping my home clean & organised. Also, savings? What are those? I've never had any. --- Trialia ~ unfaithful-mirror.net PSN: Trialia_X, Xaedere (100%) \| XBL: trialia, Noquelle (100%) <cite>Trialia posted [p:925368887] in Apparently... [t:77894929]...</cite> <quote>aDirtyShisno posted...</cite> <quote>ChaosAzeroth posted...</cite> <quote>Trialia posted...</cite> <quote>To me anyone who owns a house is extremely well off, even if it's mortgaged. </quote> We're renting to own, and honestly the house is the cheapest one that's actually liveable in town. Not sure why tbh. Well if you could buy it outright, going rent to own it's twice the price. ... But for purposes of repairs and property tax we're considered the owners. ... It took most of the savings to get into this place and to deal with 3 plumbing issues due to the fact they didn't actually winterize, contrary to the notes left saying they did just this last winter. ... My mom was a considered a homeowner, but couldn't keep up with the mortgage and left. This house actually lol. House was literally taken by the bank. She was living paycheck to paycheck, not at all well off. In the slightest. We're definitely better off than a decent chunk of people, true. Especially around here. But we're not particularly well off. ... Finding a rental place was hell before, all full up. Now new for rent go unanswered. It costs as much per month to rent as it does to pay on a home. Maybe more depending. (Renting is anywhere from $350-$800 a month. Generally $500+ a month area, anything less being studio.) Payments on paying on a home tend to be around $600 a month. ... </quote> Where the hell do you live that $44K is too expensive to buy a home!? In California that wouldnt even be a deposit on the land...</quote> I've never seen that kind of money in my life. The most I've ever had at one time was about 5500, and that was only because my local authority decided to demolish my old rented apartment & they were obliged to give me a certain amount in compensation (it mainly went on carpets, curtains, bookcases, a used electric wheelchair and a new laptop to replace the one I'd had stolen the previous winter). I have so many "unusual" expenses due to my multiple disabilities; since I really can't work anymore, the government pay me a certain amount in support, & they pay my rent direct, but even if you include all that & look at it as money I get directly, which none of it is, I'm on maybe $12,000/year. (And that wouldn't last me 3 months in the US, my meds would cost that much all by themselves, so let's just not go there.) The only reason I'm as comparatively well off as I am among the underclass is that I get the second tier maximum support because my disabilities are numerous & severe. The highest tier is for people who are bedbound or need 24-hour care. Frankly, I'd trade it for being able to work at least part-time; at 33 being totally out of work can be humiliating, & being dependent on the system makes me a target for abuse & assault from all kinds of people. And even then I owe my local authority 8K for homecare because they were useless about communicating with me in a way I could manage til recently (I struggle with phone calls). So I'm better off than I might be, & our laws about habitable housing help there, but I have no hope of ever being able to own even a crappy apartment. I'm on an assured tenancy, & even that will fold if I can't get more help than I'm getting with keeping my home clean & organised. Also, savings? What are those? I've never had any. --- Trialia ~ unfaithful-mirror.net PSN: Trialia_X, Xaedere (100%) \| XBL: trialia, Noquelle (100%)</quote> ... Copied to Clipboard!
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