Housing
"Owning your own home is America's unique recipe for avoiding revolution and promoting pseudo-equality at the same time. To keep citizens puttering in their yards instead of sputtering on the barricades, the government has gladly deprived itself of billions in tax revenues by letting home ''owners'' deduct mortgage interest payments." Florence King
TIPS:
Move to a less expensive area
Work remotely while keeping your job
Find a housemate or rent your rooms
Move to a smaller home
Explore cohousing: share with other people in an intentional community
Rent unused space
Become a full time RV'er
Become a digital nomad
Find a HUD approved housing counselor: Looking for advice on buying a home, renting, credit issues or reverse mortgages? The U.S. Department of Housing and Urban Development (HUD) sponsors housing counseling agencies to provide free or low cost advice. Locate a HUD approved housing counselor in your area. Get the answers you need to make informed housing decisions like bringing your mortgage current, homeless services, buying a home, home improvement and repair services
5 Ways To Save on Your Mortgage
The Housing Choice Voucher Program, also known as Section 8, assists low-income households with obtaining safe and affordable housing. Participants have the freedom to choose housing that meets their needs, giving them the flexibility to select homes in various locations.
Here is a video tax tip from the IRS: Renting Your Vacation Home English
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Housing Counseling Services: f you’re behind on your mortgage and worried about losing your home, contact a housing counselor. These counselors from the U.S. Department of Housing and Urban Development (HUD) can offer advice and connect you to helpful resources.
Housing Help: Get information about rental, home buying, and home repair assistance programs. Learn how to find emergency housing and avoid foreclosure and eviction.
Find a housing counselor Housing counselors throughout the country can provide advice on buying a home, renting, defaults, forbearances, foreclosures, and credit issues.
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Mortgage and Housing AssistanceHow Can I Apply to the Housing Choice Voucher Program (Section 8)
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HUD (he U.S. Department of Housing and Urban Development) is working to strengthen the housing market to bolster the economy and protect consumers; meet the need for quality affordable rental homes; utilize housing as a platform for improving quality of life; build inclusive and sustainable communities free from discrimination; and transform the way the Department does business.
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Reuse building materials by going to Habitat for Humanities Restores: Home improvement stores and donation centers selling new and gently used furniture, appliances, home goods, building materials and more:
HERS Index HERS rated energy efficient homes are the key to green living, providing better home comfort, lower running costs and higher resale values
Find housing resources targeted to certain audience groups
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Is Multi-Generational Housing Right for You and Your Budget?
QUOTES:
Declutter With a Junk Swap: I'm a part of a weekly Young Moms' Bible Study. Every now and then, we have a "Junk Swap." We get together and bring everything we usually put in a yard sale or donate to charity. We set our things out on tables and then look through each other's junk. We take things we think we could use, and then after we're done, we take all the things left and give them to Goodwill or some other charity. Since we are mostly mothers of young children, there are always lots of children's clothes that others can use, as well as kitchen things, household objects, linens, toys and books. And Goodwill gets a big donation that they might otherwise not have gotten. I may never have an occasion to "de-junk" if I didn't have the deadline for the "junk swap" event. It's always fun to see what other people bring, and it's free! It feels so good to be rid of "junk" cluttering up my house that could be useful to someone else. This idea could apply to any group (church, neighborhood, playgroup, etc.) as long as the group is not too big and as long as you have someone with a big van or truck who can take the "leftovers" to Goodwill when you're done. Betsy from Dollar Stretcher Tips
PODCAST:
Listen to 655 - Mortgage Refinance? 5 Ways to Know If It’s a Good Idea from Money Girl's Quick and Dirty Tips for a Richer Life on Apple Podcasts. https://podcasts.apple.com/us/podcast/money-girls-quick-and-dirty-tips-for-a-richer-life/id209859739?i=1000493872544