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Whether you're an empty nester, looking for a different lifestyle, or are trying to save money on bills and invest in other things, moving from a house to an apartment can be a mixture of exciting and overwhelming. According to NerdWallet, you can save about $205 per month by renting instead of owning a home. Of course, apartment living comes with many other benefits, as well, from zero maintenance to plenty of neat amenities for you to enjoy. However, you may be wondering how you're going to manage to cram your life into a smaller space. Here are five tips for moving from a house to an apartment. Take Inventory of What You Have Before you begin packing everything into boxes, take a look around at your belongings. Obviously, you probably won't be able to bring everything with you. Determine the essential items that will definitely go with you to your new place and those that can be left behind. You may be surprised at how much stuff you've accumulated over the years that you no longer want or need. You might also realize there are lots of items you're on the fence about. Taking the time to plan accordingly and sift through what you have is the first essential step in moving to an apartment. Get Rid of What You Don’t Need Getting rid of old furniture or possessions can stir up attached memories and emotions for many homeowners. On the flip side, downsizing has several advantages and can give you the sense of moving forward with a clean slate. Either way, you know you're going to have to let some things go. Creating separate piles of items that are staying, being donated, or tossed in the bin is an excellent way to determine what fits into the next chapter of your life. With each item, ask yourself if you want to give it to someone you know, throw it out, donate it to Goodwill, sell it, or even put it in storage. Measure Everything to Make Sure It Will Fit Most likely, your apartment living room and bedrooms will be relatively tighter than what you're used to, so make sure you measure your furniture in advance. If your furniture is too big for the apartment, you may luck out by selling it or consigning it. Whatever money you get can then go towards new pieces that'll work better for you. Buying something new will also allow you to upgrade your decor and change your style entirely if you choose. Decide How You’re Going to Move Your Stuff Once you've gotten rid of what you don't need, you should think about how you're going to get your belongings to your new place. Although it can be costly, there are many opportunities to make your move more affordable at this stage. Some things to consider are: Will you hire a moving company, or rent a truck or van? Do your research and compare prices. Ask your friends and family to help you. Use self-storage or find free temporary storage for your belongings, such as a friend’s attic or basement. Use plastic containers, dressers, cabinets, and nightstands to pack some of your belongings. Check your grocery store for free moving boxes to use. Take Advantage of Apartment Amenities Realize that unboxing your life can be just as stressful as the move itself. But after you begin to settle in, you can enjoy the perks of apartment living. Many apartment facilities offer pools, fitness centers, common areas, rooftop gardens, classes, clubs, and loads of other amenities. Remember to take a break, relax, and explore everything your new place has to offer. You may even meet your neighbors and find people willing to lend a hand. Enjoy Your Fresh Start Keep an open mind and embrace this new beginning. Even if having a house meant more room to spread out, apartment living offers plenty of things you didn't have before: more freedom, extra savings, and fewer responsibilities. Now's your chance to live the simpler life you've always dreamed of. Author Bio: Cora Gold is an avid writer who loves to share her experiences with life, family, home, and more with others who share her passions. She is the Editor-in-Chief for Revivalist magazine and can be found on Facebook, Twitter, and Pinterest.

When you're in a tough financial position and looking for affordable housing to prevent your family from becoming homeless then you need to know where to find the right kind of housing assistance. Because everyone’s circumstances are different, there are different types of housing services available across the nation to help you with access to emergency shelter, temporary and permanent housing, and rent assistance. To help you with the necessary housing resources, we’ve created a complete housing guide for individuals and families with disabilities, seniors, veterans, and those looking to prevent or address homelessness. Let’s start by looking at the options for housing along with the qualifying criteria so you know which services are available and who to contact when you’re facing a housing crisis. Housing Services Provided by the HUD All housing services and resources such as rent assistance are governed by the HUD or Department of Housing and Urban Development. There are 3 types of programs the HUD offers to assist qualifying households with housing: Public Housing Housing Voucher Programs (previously Section 8) Private Subsidized Housing In privately owned and subsidized housing, the government pays landlords a set fee to provide affordable rent to low-income families. Housing for Families with Disabilities If you are living with a disability or caring for children or family members with disabilities, you may qualify for housing services including Public Housing, Section 8, and Rent Assistance programs. The HUD offers different types of federal and state programs that focus on finding a place for you to rent that may include assistance with a housing voucher or public housing services. There are also programs that focus on modifying your current home to make it more accessible to relatives with disabilities. The Assisted Living Conversion Program (ALCP) was founded by the HUDto provide housing modifications for both seniors and those with disabilities. The purpose of this program is to help both older adults and those with disabilities to maintain their independence and their homes for much longer which minimizes the need to rely on state housing. There are different modifications that are performed based on the nature of the disability or physical limitation. Changes can range from altering doorknobs to pull handles, adding handrails, or the installation of a wheelchair ramp. How to Get a Free Home Modification? If you or a family member living in your household has suffered an injury causing permanent disability or as a senior, you need to improve the safety of your home, but you can’t afford to, you can apply for a housing improvement grant. One of the most common is the Federal Disability Grant which is meant to cover the costs of making alterations to your home to make it more wheelchair friendly or to simply provide access to more supports so you can continue to live safely and comfortably in your home. The Home Accessibility and Repair Program provides qualifying low income homeowners with a grant to upgrade the home without having to pay the money back. The Accessibility Program is offered through the HUD in your state, including financing departments and local finance agencies. There are also private disability programs offered through organizations such as Rebuilding Together and Self-sufficiency grants. Applying for a Home Improvement Grant? The application for a home improvement grant is open to homeowners who earn a low income. Program applications can be found online (you can visit the HUD website or the Home Accessibility and Repair Program in which documents such as your social security, income, and medical or clinical proof of disability are required. You would also need to attach a letter of motivation as to why you should be considered and how the funds will be used. Housing for Seniors Seniors have the option to choose between 3 HUD housing programs including Section 8, Low Income Housing Tax Credit (LIHTC), and Section 202 Supportive Housing Services. Section 202 Adults over the age of 62 with a low income may qualify for Section 202. It is a similar program to Section 8 but only offered to seniors who pay 30% of their income towards their rent. Low Income Housing Tax Credit This is a property developer and government deal where the developer determines the number of units for low-income renting and accepts the amount suggested by the HUD for monthly rent. Once accepted, the developer is eligible for tax credits. Who to Contact for Senior Housing? To find out about affordable senior housing, you can contact the HUD for assistance in your area. You can also contact Area Agency on Aging which has a nationwide network of more than 600 agencies specializing in resources for older adults. Housing for Veterans For veterans, there are several federal government programs that help with safe and comfortable housing. These programs include the provision of grants through the Department of Veterans Affairs (VA). For surviving spouses and veterans, these grants or loans assist with funds to modify homes for those with disabilities or the provision of a VA loan to afford to buy a house. For senior veterans, the federal government also makes programs available for assisted living and nursing homes. Housing Solutions for Homelessness When you can’t afford your rent or you are evicted from your home, you could find yourself homeless. While many people and families have struggled with homelessness across the country, it is important to realize that you can access emergency housing or shelters that are available in your region. It is not an easy journey and for many, simply trying to reach support services or rent assistance is a challenge in itself but it is all about trying. The key to finding the right kind of help is to know who to speak to and to learn which resources are available to address your unique circumstances. Is Homelessness a Problem? The problem with low cost or affordable housing is the rising gap between income and affordable rent or homeownership. The current shortage of affordable housing units has made it harder for people to secure their rent which places them at risk of losing the roof over their heads. When people cannot afford their homes and are faced with few housing options, it places them at risk of homelessness. Recent studies in the housing sector have also shown that most people who are currently homeless are single adults. In the US, around half a million adults and families experience homelessness on a given night. In 2020, more than 580 000 adults including families with children, were homeless. The highest rates of homelessness were recorded in New York followed by Los Angeles and San Francisco. The rising number of people who find themselves on the streets is of concern but with limited housing available and a lack of affordability, where do you go and who do you speak to if you and your family don’t have a home to go to? How to Find Shelter Services in Your Area? Whether you are at risk or you are currently homeless, you can reach out to a community-based shelter or you can contact your local church for assistance with recommended shelters in your region. There are two nationwide services or call centers you can contact to assist with potential and current homelessness. If you can’t get assistance from a local shelter or church, you can call the following organizations for help: The Continuum of Care (COC) The COC offers a program for all who are homeless or who need help with local housing services but who exactly is the COC and how can they help you? “The COC is a local planning agency that is responsible for the coordination of housing services for both individuals and families who find themselves homeless or at risk of being homeless. The purpose of the COC is to provide representation for communities across the nation who need of housing and funding for housing assistance.” This means that it is a community initiative to help people move into secure housing, prevent the return to homelessness, and to improve the lives of individuals and families with emergency shelter, transitional and permanent housing. The Continuum of Care is governed by the HUD or US Department of Urban Housing and Development with the purpose of providing specialized services for the homeless based on their range of needs. If you are at risk of homelessness, you can contact the COC to speak to a housing agent for help and to learn of your options for either temporary or permanent housing in your city or state. Alternatively, you can contact the national housing hotline at 211 to speak to an experienced agent. Agents will help with food and access to social services, including housing resources. Should you struggle to find a community program for help, you can contact the HUD, or you can reach out to a non-profit organization that specializes in community or individual aid. If You Live in Public or Affordable Housing, Speak to a Professional Agent Don’t wait until you are evicted or end up on the street before you contact a housing agency or social service. Most agencies are able to provide support to maintain your current housing, so you don’t end up homeless. This includes negotiations with landlords and access to rent assistance until you can find a more permanent solution. What About Accessing a Shelter? Some see shelters as a last resort but for many individuals and families, it has made a tremendous difference in their lives. If you have to access a shelter, service providers will ask a series of questions about your current mental and physical health. They will assess your employment, whether you have a criminal history and the number of children that you have. The purpose is to match you to the best possible social and housing services, so you don’t have to remain at a shelter. For some individuals, these assessments also provide access to long-term housing and rentals to prevent long-term shelter stays. Finding the Right Housing for Your Needs There are many federal government programs available to help you with affordable housing, grants, and access to housing resources in your area. To determine which type of housing is best for you and your family, it is important to compare the pros and cons of each type of residence and program available to you. Learn of the qualifying criteria and think about what you need to live safely, comfortably, and independently. For seniors and veterans, specialized housing programs are available while affordable housing such as Section 8 can be accessed by all individuals and families on a low income. There are also second chance homes to rent providing affordability in decent apartments for those with bad credit or a former eviction.

When you apply to rent an apartment, the landlord will perform a background check which reveals things like your credit score, criminal record, and your rental history. You may not be aware of it, but every tenant has a rental history that is documented in a report or record. These records contain information about former evictions, broken leases, and even late rent payments. Needless to say, having any of these elements show up on your report when you want to rent can be a bit of a problem! We all make mistakes, and you certainly don’t want a single late payment from a previous rental to stand in the way of getting approved for an apartment to rent. So, to help you fix your rental history, we investigate what’s included in these reports, how to check records for errors, and the steps you can take to remedy your past so that it no longer affects your rental future. What is a Rental History Record? The rental history record or report provides landlords with a detailed history of your time as a tenant which includes information such as late rent payments and evictions. When you apply for an apartment to rent, landlords have the authority to look into your background to learn more about your behaviors and responsibilities as a renter. They assess your credit, your history as a tenant, and whether there are any collections against you. Landlords may also schedule an appointment to interview you before deciding on the approval of an application. For these reasons, it is important to learn what a rental report is and whether there are any errors that should be disputed. You don’t want to be interviewed by a potential landlord and feel shocked or unprepared by the information that is presented to you. When you know what’s in your report, you can take steps to clear it, or you can prepare for an interview with the landlord to explain your circumstances and your current position. The landlord will certainly appreciate your honesty and the time you took to clarify the information in the rental history. What is Shown in a Rental History Report? As these reports provide a breakdown of your past rentals, it includes the following information: Physical addresses of your previous rentals The timeline or dates of tenancy, how long you lived in a specific location How much you pay in monthly rent Problems including evictions, late rent payments, and even a broken lease will reflect on the report Along with the details of your past tenancy, the report will also reveal the recommendations provided by the former landlord. If you’re a good tenant, then you’ll have a positive recommendation but if you’ve left the apartment in disarray, failed to pay rent on time, or broke the lease, then a negative recommendation will remain on the report. How Long Does an Eviction Stay on Your Report? Evictions are not pleasant situations but sometimes, for whatever reason, you find yourself receiving a notice from the landlord to move out of the property. Evictions can occur because of failure to pay rent, ongoing noise complaints, and a violation of the rental lease agreement but when it comes to moving on and renting a new place, how long will an eviction remain on your rental history record? Evictions will stay on your record for 7 years. How is a Rental Report Created? Most rental reports are produced by a consumer reporting company that will research individual information from credit reports and background checks. The company should always be enlisted with the Consumer Finance Protection Board to ensure that personal information is handled confidentially. Landlords will conduct their own checks into rental history when screening tenants. They can find your credit history and any criminal charges through background checks. They can also contact a former landlord to ask about your previous tenancy. How Do Landlords Vet First Time Renters? First-time renters don’t have a rental history, so landlords use other methods to determine whether you’d be a reliable tenant. They will examine your credit history, your monthly income, and they may ask for references from an employer. Checking Your Rental History Report You aren’t required to get a copy of your rental report when you apply to rent an apartment but checking it can help you spot errors that would otherwise compromise your application. Fortunately, there are many tools available to help you get a free report. You can visit online agencies that provide a breakdown of your rent payment history including rent still owed on a former lease. These reports should be assessed every 12 months to ensure that the details are accurate and updated. How to Examine Your Report Looking at the rental history report helps you see what a potential landlord will be investigating prior to renting. You want to know if there are any errors and to have these reported and cleared prior to applying for an apartment or home to rent. The first step is to request the report from the appropriate agency. Sometimes, you can call the prospective landlord to ask which agency they use to retrieve these records. This will produce the exact report that the landlord will examine in your case. If you notice an error on the report, you can contact the agency telephonically or by email. Some agencies have an online submission form you can complete with details concerning the inaccuracy. Remember that something as simple as the incorrect date on a payment could create an impression of late rent payments. You should provide the agency or company with documentation to dispute the error. Credit Reports and Rent Payments For those of you looking for information on your past rent payments that you can’t find in a rental report, you might find it in your credit report. Skipped rental payments and collections will be recorded in your credit report. Keeping up with rent payments is the best thing you can do to maintain a healthy credit report and credit score. Landlords like to see that you can keep up with the monthly rent and that you don't have multiple late payments or outstanding rent. Can You Hide Your Rental History? No, you cannot hide your rental history. Because it is based on information retrieved from multiple sources such as a background check and credit report, it is virtually impossible to hide information that has been reported by a former landlord or property management and financial agency. If you are disputing the information on your rental history, then you can contact the agency responsible for generating the report with your own proof, to have the inaccuracy removed. How to Create a Positive Rental History? It can be difficult to clear past rental difficulties that are true and appear on your report. In a situation such as rent owed or a hole in the drywall that you didn’t pay to repair, you can contact the former landlord to negotiate a settlement. You can also get them to remove the “judgment” once you have paid the debt. If you are looking at an eviction, then you won’t be able to get this cleared. Creating a positive rental history is about starting from scratch. If past evictions and money matters are preventing you from renting and rebuilding your rental record, then second chance apartments offer an alternative rental solution. These types of apartments specialize in assisting renters with former evictions for example and won’t dismiss an application to rent solely based on this information. If you have experienced a positive tenancy in the past and you don’t have a recommendation from that particular landlord, you should contact them and ask to have them vouch for you as a renter. If you have negative information on the report, adding positive recommendations from an independent party can create powerful impressions. Where you have an eviction or bad rental history, include a cover letter with your application to rent. Explain your personal circumstances and why things happened the way they did at that specific time. The landlord can be a reasonable person and may appreciate the effort you took to clarify a past discrepancy. Add reliable references to your application. If you have a landlord on your report who's given a bad recommendation about an eviction, you could have a reference from an employer or friends to vouch for your character. Sometimes one or two really good references can change the mind of a landlord who is looking at one negative recommendation. Another step that you can take to improve the chances of getting the apartment that you want to rent is to add a co-signer in case of financial difficulties. A co-signer with a good debt management history takes on the financial responsibility of rent should you default on the payments. It is a major responsibility on behalf of the co-signer but has become a valuable way for renters and potential home buyers to secure their applications. Renting Made Easy Provided you have a full-time job and you can afford the security deposit and monthly rent, then you should be able to find an apartment to rent. Take the time to get a copy of your rental report if you've been a less than stellar tenant so you know what the future landlord will assess when considering your application. Any errors should be disputed and clear if false. If you have an eviction on your rental history, consider second chance apartments that specialize in assisting potential tenants with valuable and affordable homes to rent. There are always means and ways of finding a rental to suit your lifestyle and your pocket despite difficulties in your past.

Background checks are part and parcel of renting an apartment whether you're new to renting or you've been leasing apartments for years! Most of us don't give the background check much thought until our application for a place to rent gets denied. You could look like the ideal tenant in your application with enough to afford the monthly rent but when the landlord finds a previous eviction or negative credit rating, your application could be in jeopardy. A background check is a big deal, and everyone should pay attention to it when applying for an apartment to rent. If you know what your landlord will look at from your past, there are ways you can prevent your application from being rejected right off the bat! So, whether you are interested in what a background check entails, or you want to know exactly the types of information that landlords can access, then read on to find the answers to your most pressing questions… Why are Background Checks Needed? Whether you want to rent an apartment, or your lease renewal is coming up, landlords have the right to perform a background check. The reason they look into your history is to help them gauge your character, reliability, and dependability as a future tenant. This might seem unfair to some, but it is a legal and pretty standard process that isn’t set to change any time soon. Today you might have a good salary and affordability but yesterday's difficulties or challenges that show up in your background check could make it harder for you to get approved. So, what do you do if you need a place to rent but a past arrest, an eviction, or debt is getting in the way of your application? Well, let’s start by looking at the information that your landlord can access and your rights concerning personal information. What is a Rental Background Check? The purpose of a rental background check is to see if there are any issues or matters in your past that would affect your reliability as a tenant. It is also to verify the information you present in your application and avoid any potential problems down the line. It is a screening measure or tool that landlords use to help them examine a potential tenant’s behavior. What Personal Information Does a Landlord Have Access to? Credit History Landlords will be able to retrieve your credit report using trusted credit bureaus. The purpose is to perform a credit check which tells them a little bit about your financial behavior. They want to know if you have outstanding debt and how well you’re able to manage this debt when they examine your credit score. Criminal History They can look into any criminal records, felonies, or arrests. For some rentals including public housing, there are certain charges including illicit drug dealing that may be denied approval because of community safety considerations; however, if you need housing and you have a past conviction, you can contact the HUD for housing assistance. Rental History Landlords will also be able to view your rental history. They are looking at how long you tend to rent in one place and if you frequently change apartments as this could be seen as a red flag. If you have former evictions or an interrupted rental history, then it’s better to explain to the landlord why this is so. This information shouldn’t be hidden because the landlord will probably find it, so it’s better to explain a particular situation rather than try to keep it a secret. Employment History The longer that you’ve been employed, the better the odds of getting approved for an apartment to rent. Landlords want to know that you have a full income and a reliable one too which ensures you can afford your monthly rent and you won’t break the lease. If you have periods where you’ve been unemployed, this is often viewed negatively by a landlord because it doesn’t say much about your job stability. You could explain to the landlord why there are gaps in your employment history, and they might view this differently when considering your suitability to rent. In your apartment application, you will have to prepare information such as your most recent paychecks to help the landlord check your overall earnings and your affordability. Collections Outstanding accounts that haven’t been paid can be rated as a collection on your personal report. This ranges from credit cards and phone bills to utility bills and more. Collections are considered serious because it is not merely late payment. It is an outstanding bill that hasn’t been paid for at least 6 months after it was already considered late and could be a major indication of failure to pay and keep track of your financial responsibilities. It could also indicate a court judgment against you that is not viewed as favorable in the eyes of landlords. Background Checks and Your Rights Landlords have the right to access your criminal history, financial history, and your rental history. They can perform multiple checks without asking for your permission to access confidential information. So, if you rent, where do your rights come in and how far can a landlord go to denying or approving your rent application? If an application to rent an apartment is denied on the basis of your background, race, gender, sexual orientation, or age then you can contact the HUD to handle your case. Landlords can access personal information without your consent and only if you feel confidential information has been handled in an unjust or unfair manner can you approach legal or HUD services for assistance. What Can a Landlord Look for in a Background Check? Landlords typically have access to the following when they perform a rental check: Personal information such as your social security and current physical address Proof of income Your credit score/history Employment history Outstanding collections/debts Eviction and public records Criminal records Can I Hide Certain Types of Personal Information? It is best to be honest with the landlord about your history, whether it be financial, rental, or criminal. Remember that landlords are people too and many of them are willing to work with you and help you with renting an apartment provided you are honest and upfront with them. For example, if you’ve had gaps between jobs, explain to landlords if you’ve attended school during those periods or whether you’ve had a long recovery from surgery or illness. Where you’ve got outstanding debt that you are actively paying off, provide them with proof of your debt management practices and the steps you’re taking to improve your financial status. What if I Have a Criminal Record? In more than 3000 counties in the US, criminal records are publicly accessible based on the last 7 years. The 7 year period is what is included in the courts but it is also considered the standard “lookback” period that landlords can use to check your eligibility as a tenant. This period can start from the date of release from prison or it could start from the date of the conviction. If you live in the following states, you will be subject to the 7 year lookback period: Washington New York California Montana Massachusetts The lookback period typically ranges from 7-10 years; however, the introduction of certain consumer protection regulations may restrict just how far back one can search to find information concerning records. Remember that convictions and even arrests can be included in your criminal history. It is up to you to decide whether you want to reveal or discuss a record with a landlord but it will most likely be accessible to them (especially if convicted or arrested in the last 7-10 years). Passing a Background Check If you want to learn more about passing a background check, you can visit our guide on How to Pass a Background Check. We provide steps and tips that you can use in your next rental application to help you get the apartment or rental home, that you want. Your Renting Journey and Background Checks A background check will be part of renting wherever you go. From taking on a new lease to the renewal of a lease, your landlord will check your credit score, eviction/rental history, and any outstanding collections or criminal records in your personal history. If you need an apartment to rent and you want to prevent a denial, then speak to landlords about things like a former eviction, an arrest, or your credit rating. Some landlords are happy to hear you out and your honesty will certainly place your character and potential as a tenant in a very good light.

Reducing your electric bill is a must for many of us, especially during the winter. Taking a look at your electric use has many benefits. You’ll be able to save money on your monthly bill as well as reduce your carbon footprint and environmental impact. What can you do to reduce your energy consumption without hefty renovations like converting your home to solar? Here are six of the best ways to start saving on electric bills this year. I. Add Insulation How well insulated is your home? It’s relatively simple to check the attic and inspect around any openings like vents that permit air leakage. However, it’s a bit trickier to check the walls. One method is to turn off your power panel and remove an electrical box from one of your outlets. You can then shine a flashlight into the void to check. If that sounds like a lot of work, rest assured that your efforts will save you money in the end. Most of your home energy use goes to keeping your house warm in the winter and cool in summer. You should see an immediate reduction in costs in the first month after tackling any necessary upgrades. II. Caulk and Weather-Strip If sitting by a sunny window results in catching a chill, it’s time to get out the caulk gun. Performing routine maintenance can help extend your window life, preventing them from getting loose. It also provides a watertight seal to keep moisture from getting into your walls, rotting wood, and causing toxic mold. Do you see a crack beneath your doors? If so, head to your local hardware store and drop less than $10 on a package of weather-stripping. Doing so can pay for itself in energy costs within the first month. III. Change Your Light Bulbs Today’s LED bulbs provide longer-lasting illumination for a fraction of the cost of traditional incandescents. While you do have to spend more money per bulb at the store, you’ll save money in the end — as much as $10 to $20 per lamp per year. If you have a lot of lights in your home, that chunk of change quickly adds up. IV. Unplug Do you have chargers and appliances plugged in all over your home? Leaving them in the socket could cost you money while contributing to climate change. Unplugging them when not in use is an easy way to resolve these problems. The reason? Every appliance you leave plugged in bleeds some energy like a vampire. Items with transformers — those big black boxes common on computer cables — waste up to a third of the energy passing through them. Be sure you’re not just removing the charger from your phone or laptop, but you’re removing the plug from the wall completely. V. Take Advantage of Passive Solar Does your home have south-facing windows? If so, take down any heavy blackout curtains and let the sun illuminate them. Doing so helps you take advantage of passive solar heat in the winter. The opposite effect happens in the summer. Cover any windows exposed to the sun to drop the temperature in your home a degree or two. VI. Turn Down the Thermostat Finally, the easiest way to save energy is to adjust your thermostat. Doing so by one degree will save you 2-3% on your home heating and cooling costs. It also shrinks your carbon footprint. Pleasing everyone in the thermostat wars might seem impossible. However, compromise on a happy medium with your clan — remember, even one degree makes a difference. Start Saving on Electric Bills This Year Whether you live in a house or an apartment, there are different ways you can make a dent in your energy bill each month. You can take on these projects yourself or enlist your landlord for help. These six methods could bring you massive savings this year. Author Bio: Cora Gold is an avid writer who loves to share her experiences with life, family, home, and more with others who share her passions. She is the Editor-in-Chief for Revivalist magazine and can be found on Facebook, Twitter, and Pinterest.

If you’ve been looking to purchase or rent a low-cost house then you may have come across the HUD or Department of Housing and Urban Development. This government agency was developed to assist buyers and renters with affordable housing by saving you thousands of dollars in monthly rent or when applying for a qualifying mortgage through its various programs and initiatives. So, if you’re interested in becoming a homeowner but you want housing that you can afford, then learning more about the opportunities that are offered by the HUD can certainly help you in your journey. Let’s start by looking at what the HUD is and how it can help you with affordable housing. Department of Housing and Urban Development – A Brief Introduction The Department of Housing and Urban Development otherwise known as the HUD is a government agency that creates and implements policies concerning the affordable or low-income housing sector. Some of the services that you can expect from the HUD include assistance with a mortgage so you can buy a home, qualifying for Public Housing or Section 8, and management of various housing issues in the US. Their role is to help more Americans with access to rentals and homeownership that they can afford. But how does this apply to your situation and how can the HUD help you? The HUD typically assists with the following circumstances: Difficulty qualifying for a mortgage based on income Trouble with low income or affordable homes to rent Emergency housing after a flood, fire, or another event Assistance with temporary housing from a violent or abusive spouse Evictions and more Let’s learn about who the HUD is, the programs they offer, and when you should contact them for assistance. The HUD Defined HUD is a federal or government program whose goal is to provide households with decent and cost-effective housing. The purpose of the agency is to support the economy by providing more people with the chance to buy or rent a home. The agency was founded in 1965 with the purpose of addressing poverty and housing issues that plagued the US at the time. In 2019, the United States Census Bureau revealed that 43.96 million people were still living below the poverty line. The federal program has tried its best at providing all families and individuals decent housing, there is still a major shortfall that has left people destitute. While the housing agency plans on future property developments and making more homes available to those on a low income, there is still a long road ahead to curb the housing crisis and assist people with homelessness. HUD Programs To help you decide whether to contact HUD for housing assistance, we look at the different programs that are available through the agency. 1. FHA Mortgages The FHA or Federal Housing Administration offers mortgages to applicants who are interested in purchasing a home and who satisfy the stipulated qualifying criteria. This means that people on a low to mid-income who previously wouldn’t qualify for a home loan through a conventional lender will have the chance to apply for a mortgage to buy a house. How to Qualify for an FHA Loan Only FHA-approved lenders can issue this type of loan. Once you receive approval for the loan, it will be supported by the FHA to mitigate some of the risks to the lender. To get approved for this type of loan, you will have to take mortgage insurance out. The purpose of mortgage insurance is to provide financial protection if you cannot repay the loan. To get approved for an FHA loan, you will need to meet the following requirements: Must have full-time employment Sound debt management (less than 43% debt ratio) Cannot rent or sublet the home you are buying A minimum of 3.5% down payment is necessary Bad credit applicants may need to issue a down payment of 10% 2. Home Investment Partnership Program The HOME program was created to support housing developments in specific communities. When a community needs finding to improve the condition of apartments to rent in the area or they wish to provide shelters for struggling families, the program will donate a specific sum of money with the goal of supporting current housing initiatives in those communities. Once a community is approved for such funds, they will be restricted in terms of the way it can be used. HOME funding is subject to the following criteria: It can be used to help tenants with rent assistance, home buyers with mortgages, and the rehabilitation of properties that will be used for rental purposes. When applying to HUD HOME programs, funding for services such as rent assistance for families requires that tenants meet the criteria of having a low annual gross income. If you wish to pursue a community upliftment initiative as a community, then the HOME program can help you with access to funding or grants. 3. The Fair Housing Assistance Program (FHAP) The purpose of the Fair Housing Assistance Program or FHAP is to ensure that all individuals and communities have access to fair and affordable housing. It is a policy in which all persons, regardless of age, gender, or ethnicity, should be provided access to decent housing across the country. While this program doesn’t necessarily involve actual property developments, it does receive HUD funding to issue and pass certain regulations and laws concerning the housing sector. These regulations include steps to improve housing for all communities across the US. Owing to the pursuits of this program and the dedication of those passionate about fair housing, many families have received the assistance that they need to access safe housing. If you feel that you have been denied your basic right to housing, you can contact the Fair Housing Assistance Program for more information. 4. Homeless Aid HUD programs that focus on homeless assistance are meant to help people living on the streets with resources such as access to shelters, temporary housing, and even rent assistance. The purpose of these programs is to get as many people off the street as possible while providing information on where to go and who to contact when in need of temporary or permanent shelter. This can include requests for rent assistance or when a household with children is facing eviction. HUD assistance extends to government organizations, charities, and state shelters across the country. The purpose of HUD funds issued to charitable organizations and agencies is to provide essential housing services and resources to individuals and families. This may include rent assistance and case management so that families can find the secure shelter that they need. While HUD services are highly criticized concerning housing shortages and many people are waiting on Public housing or Section 8 homes for years, the funding that is given to homeless shelters has prevented families from living on the streets. Some of these services include temporary shelters, permanent shelters, and the provision of financial aid for the homeless. The agency has also played an important role in helping individuals and families with disabilities to find the appropriate housing. 5. Public Housing and Section 8 Two well-known housing programs offered by HUD services are an important part of residential assistance for individuals, families, veterans, seniors, and households with members who have disabilities. Public Housing and Section 8 remain highly contended housing services in the US. With growing numbers of people looking for affordable rentals, these programs play a vital role in addressing housing inequalities. While Public Housing and Section 8 may not always be located in desirable areas, there are many households that depend on these services to keep a roof over their heads. Both housing programs are available for those on a low income and who meet HUD qualifying criteria. If you want to learn more about these programs, please visit our guides on Public Housing and Section 8 Services. Qualifying for HUD Housing To qualify for HUD Housing, you need to meet the following criteria: Annual gross income must be less than the median income for the area/state. Applicants must fall into the low-income housing bracket. Must be a US citizen or meet specific immigration criteria to be considered for acceptance into a housing program. Background checks will be performed and the housing agency may ask for references to determine your suitability as a tenant. HUD Grant Applications HUD grant applications are considered for charitable organizations including shelters and communities that wish to restore available shelters or rentals for local tenants. If you are an organization interested in applying for a housing grant, there are specific steps that you have to follow to be considered for funding. Depending on the program you are pursuing, you may need to register for a DUNS or Data Universal Number System or you can visit the HUD Exchange online which is a portal dedicated to charities, organizations, and related services seeking funding. It is best to contact the HUD by visiting their website for more information. How HUD Services Can Help You The goal of HUD housing is to help as many people as possible with secure and decent homes to live in. With millions living below the poverty line, both children and adults are at risk of ending up on the street and this is where housing programs that involve shelters, rent assistance, Public and Section 8 Housing play an important part. It offers both temporary and permanent aid especially for vulnerable households with children or members with disabilities. Along with various HUD housing projects, the organization also helps homebuyers with access to affordable mortgages or loan approval to improve or repair their homes. If you need a small loan for house repairs and renovations but bad credit or income limits are preventing you from pursuing these finances, then the HUD FHA program is one of the ways you can pursue these ventures. Depending on your needs, you can contact HUD services for all of your public and affordable housing questions.

There are many different types of affordable or public housing for those interested in renting in a low to mid-income bracket. When you are ready to apply for Section 8 or Public Housing, remember that you’ll probably be placed on a long waiting list. In the meantime, it is important to prepare for your application by learning whether you are actually eligible to rent one of these homes including the documents that are needed once you reach the top of the waiting list. Why Choose An Affordable Housing Program? Affordable housing programs range from subsidized housing as with the Section 8 voucher program to public housing where you pay rent based on how much you earn per month. Other types of subsidized housing programs include rentals that are owned by private developers yet subsidized by the U.S. Department of Housing and Urban Development (HUD). The major benefit of choosing the affordable housing programs offered by the HUD and private developers is to help those with a low-income pay reduced monthly rent and avoid the possibility of living from paycheck to paycheck. If you are considering affordable housing but aren’t sure of the process or what to expect in your application, we look at the steps that you can take to prepare. How Does an Affordable Housing Application Work? When you consider affordable housing, it is best to apply to a few places in neighborhoods that you’d prefer to live in. This can increase your chances of getting approved for a rental unit. By visiting the HUD’s website, you can find a list of both Government subsidized and affordable housing communities in areas of interest. If you aren’t sure how to go about finding the desired housing, then contact the HUD and speak to a representative who can assist. Am I Eligible? Your eligibility to rent an apartment or subsidized house will depend on how much you earn per month and whether you have any alternative sources of income. Rent is generally set at 30% or less than your monthly salary. Low-income housing is available to those who earn less than the median income for a specific state or area. What Is Considered Low-Income? The Government states that an income level that falls below double the Federal Poverty Level for a single person is considered low income. For one person who earns less than $25 000 per year, they would be deemed as low income. It is important to note that anyone can apply for affordable housing provided they meet the income limits and qualifying criteria (concerning the submission of documents). This includes housing for families, single parents, veterans, and seniors. With 1 in 5 millennials living below the poverty line, a younger generation of people is also looking for economical housing solutions. How the Low Income Housing Bracket Has Changed? Since the 2020 pandemic and market downturn, more people have returned to work but at significantly reduced salaries and with lower job security. This has led to a higher number of mid-income families earning less per year and who are also in search of affordable rentals. While many have considered low-income communities as "those that rely on handouts," this couldn’t be further from the truth. Many people work long hours, work more than one job, and dedicate much of their lives to the service sector hardly getting time to spend with their families. In 2011 alone, families of 4 with 2 children who were living below the poverty line were working and earning an annual salary of around $22 811. In 2020, there were just over 37 million people living below the poverty line in the US. Unfortunately, there just aren't enough economical housing options for those who are actively looking and applying for low-cost homes to rent. As the demand continues to exceed the supply, the Government has proceeded with additional housing developments and partnered with private developers to offer residents subsidized housing, but this still isn’t enough to assist the people who have been on public housing waiting lists for years. To help you with housing in the low-income sector, it is important to take the time to learn about the options for housing and which of these best apply to your situation. This way, you can better plan, both financially and psychologically, for the steps that you’ll need to take to secure a home of your choosing. Steps to Apply – An Affordable Home to Rent Visit the website of the HUD or your state's housing provider to find a list of the different types of affordable housing of interest. Download the necessary application or complete it electronically (if you are given the option). Answer each question on the application honestly. If you have a criminal record or a past eviction (in the last 7 years), it is important not to conceal these details. Should the service provider find that you have falsified or hidden information, they can reject your application. What Documents Will I Need? You will need to submit personal documentation with your application for low-cost or low-income homes to rent. Applications for a specific type of affordable housing can be found online with the HUD, the website of a local housing authority or organization, and by visiting the office of the relevant housing authorities in your state. If you are single, then you’ll only need to arrange documentation for yourself but for households of more than 1 person, all of the members who will be moving into Government-owned or funded property will need to have the following documents prepared for submission: Social security cards Birth certificates Proof of income Should you earn a low monthly salary, but you have alternative sources of income, don’t try to hide the additional income from officials or housing authorities. It could result in the termination of your lease and an inability to access public or subsidized housing in the future. Once you have completed the application and attached the requested documents, you can either scan and submit a digital version or you can deliver it to the office where you first obtained the application forms. Be sure to keep copies of your submission and always request a receipt as proof of your application. For digital submissions, take a screenshot of a successful submission and any emails that are sent as acknowledgment. Keeping track of which types of housing you’ve applied for, the dates, and who you’ve spoken to about your application will also help you to monitor the process and ensure that your application is reviewed, and you are placed on the list. The application is only the first part and only after it has been assessed and approved by the relevant authorities will you be placed on a waiting list for the availability of a rental. Should you find that your application is rejected, you’ll receive a notice along with the denial which should provide further instruction on the options available to you. In some cases, you can appeal the denial and reapply according to the regulations and the relevant due dates. When you apply for affordable housing, at any point you could be moved up the list or perhaps win the public housing lottery and be contacted by the HUD or the relevant housing authority in your state. It also means that you need to have the correct documents on hand and ready to submit to secure your application and your spot for a cost-effective rental. Once Your Name Reaches the Top of the List Once you have reached the top of the application list, you will receive a notification such as an email and phone call from your housing provider. You will usually have to make an appointment to meet with the relevant housing agents where they will assess your application and ask for updated information. You’ll need to bring the requested documents once you’re considered for placement into an affordable apartment or house to rent. The documents that are requested for your appointment include: Social security cards/details for each household member The last 3 to 4 paychecks or a notarized statement concerning proof of income Birth certificates for every household member An ID photograph of all household members over the age of 18 Any documentation concerning the collection of food stamps and child support Preparing for Affordable Housing Moving into a new home with a monthly rent that you can afford is a wonderful opportunity to save, to get back on your feet, and find your family a secure roof over their heads. Without living on the poverty line or relying on your last paycheck, you'll hopefully have some extra cash to put away and save, you could even save on a low income to buy a house one day! While the road to getting approved and accepted for an affordable place to rent can be a long and challenging one but remaining hopeful and staying on top of your application can help you find affordability and a rewarding tenancy where you and your loved ones feel safe.

It is the goal and the dream of every family to live in a decent and secure home, but for many affording rent on a low income makes this goal extremely challenging. There is no doubt that housing is becoming less affordable with 37.25 million people living below the poverty line in the US for 2019-2020. There is immense pressure on low to middle-income families to find affordable rent in neighborhoods that offer safety, security, and value. This leads us to public housing… According to the National Low Income Housing Coalition, there are around 4.8 million people dependent on government assistance programs and public housing. People from all walks of life, families, and singles rely on public housing to provide safe residence but what exactly is public housing and how does it work? In this guide, we answer some of the most pressing public housing questions so you can decide whether it is for you, how to apply, and the alternatives in the affordable housing market. Let’s start by looking at what public housing really is. What is Public Housing? Public housing is government-owned housing and rented to low-income individuals and families, seniors, and those with disabilities. It is meant to provide a safe residence for tenants and ranges from affordable apartments to rent in complexes to modest single-family homes. It is one of the most commonly sought-after rental assistance programs in the US along with housing voucher programs. The HUD or Department of Housing and Urban Development oversees and manages public housing programs. There are more than 2000 agencies that handle public housing operations across the country. Some of these agencies have partnered with private developers to make more affordable housing available to more people provided it is operated under the guidelines of the HUD public housing regulations. The Difference Between Public Housing and Section 8 Public housing is government-owned and runs with rental units available at below the market rate for eligible singles and families (primarily those who earn a low income). These rental units can be found in all 50 states. Section 8, the Housing Voucher program, provides renters with slightly more flexibility compared to public housing. You can choose to rent a unit anywhere in the country that accepts the housing voucher. The rent that is charged by the housing authority overseeing the program should be reasonable and fall within the designated income brackets. You can learn more about the Section 8 Housing Voucher Program Here. What Does Public Housing Look Like? The rentals that are designated for public housing are usually apartments or rental units that are constructed according to the US Code of Federal Regulations. The most pressing question is, what exactly does public housing looks like? Is it only available in so-called “unsafe” neighborhoods or areas with little recreation and opportunity? Well, public housing can be found in all types of neighborhoods with some proving more favorable than others. To help you find rentals that are suited to your needs, look at where the rentals are located that you are interested in. Consider nearby schools if you have children or access to medical facilities particularly for the elderly. A little bit of research into what residents are saying about their housing can also help you decide whether the program is right for you. Different Types of Public Housing Public housing is diverse, and you can find it in all shapes and sizes. The most common types of public housing include the following: Congregate residences High rise apartments Complexes with more than 3 residential dwellings Shelters and group homes Temporary lodging or housing Accommodation at public schools, colleges, or universities. As you can see, there are many different types of affordable housing or public residences available. Where Can I Find Public Housing? You can find programs for public housing across the country. As the government has focused its efforts on making more homes available to those who cannot afford or maintain their rent, as of 2019 approximately 47% of housing was located in low to moderate-income cities and neighborhoods. If you are looking for public housing assistance, contact the HUD who can help you with the appropriate type of rental program for your needs. How Does Public Housing Work? It works by applying through the HUD for the program that is available in your area. Before applying, you will need to meet the eligibility criteria for this particular housing program. The Requirements for Public Housing Include: An applicant or family must be deemed as earning a low income. Low income is defined as earnings below 50-80% of the AMI (Average Median Income). Most of the families who are admitted into this type of housing program have an extremely low income. You must meet the criteria for citizenship or relevant immigration status according to the federal government. Financial documentation concerning your salary, outstanding debts, and related financial matters must be updated and submitted when requested. Remember that public housing is not a handout. Most of the people and the families who rely on this type of program earn a weekly or monthly income and they pay for rent. The only difference is that the rent is much lower than what they would be charged in a privately owned development, complex, or building. Am I Eligible for Affordable Housing Programs? The best way you can determine eligibility is to follow the application criteria for the housing program of interest on the HUD or relevant housing authority’s website. Some of the criteria you may come across in your application include: Satisfying the HUD criteria concerning citizenship and immigration status. Meet the designated criteria for housing applications as per the HUD’s housing regulation. Satisfy screening measures that include a background check such as criminal history. Family members should also not have a criminal record or history involving illicit drug use that may harm or disrupt the peace and well-being of other residents. Financial documentation must be prepared and submitted upon request. Can I Qualify for Affordable Housing with No Income? Programs such as Section 8 Housing Vouchers are available for those who earn a low income. This means that your monthly income is less than 30-50% of the AMI. If you make below the AMI for a specific area, that includes no income, then you can qualify for affordable housing without an income. What Will I Pay for Rent? If you earn an income, you will pay around 30% of your earnings on the monthly rent. The rent for public housing is adjusted to accommodate the needs of its residents. If you’re earning $3000 per month, your rent will be around $900 and this may exclude utilities. Always find out what is included in the rent and whether you’ll be required to pay any fees in addition to the rent. Are There Public Housing Benefits? Yes! There are many benefits for those who are interested in this type of government-assisted program. For low-income families who may have found it challenging to pay for rent in conventional homes and apartments, public housing offers the chance to rent your own home or unit but at a cost that you can afford. Public housing has extended from living below the poverty line to low and moderate-income earners, which means that more people have access to housing than ever before. This also means that more people can avoid ending up homeless and continue to provide for their families or focus on achieving their goals. The affordable rent makes it possible to dedicate more money to food, settling bills, medical care, and even perhaps saving towards buying a house. Both singles, couples, and families can apply for an affordable rental. As long as your income meets the eligibility criteria for consideration and you do not have a criminal background as per the HUD's guidelines, you can qualify for low cost rentals. Why is there a Long Waiting List for Public Housing? There is an incredibly high demand for affordable housing across the US and unfortunately, the demand exceeds the supply. Some people are on waiting lists for several years and still have not been placed into a home. Another reason for the limited housing availability is a lack of government funding for these programs. The longest waiting lists are across the metropolitan areas compared to the outlying suburbs. If you are on a waiting list, your best bet is to continue to check up on your status and to possibly speak to a housing agent for an update or more information. The alternative is to consider applying for the public housing lottery. What is the Public Housing Lottery? Because of the long waiting lists, some housing agencies close applications at certain times of the year. For new applicants, it can take many years before agencies get to the bottom of the waiting list to consider your housing request. For this reason, some agencies have what is called an affordable housing lottery. The lottery will pick people at random to add to the list. It is one of the ways that authorities have tried to assist people who may wait 3 to 5 years or more for their application to be reached let alone placed on the list! Most affordable housing lotteries are available electronically so you can apply for participation online. You’ll also be notified of your placement online. Be sure to have the most recent financial documentation prepared as any late submissions will probably be skipped and the next lottery ranked individual will be considered. Both Public Housing and Section 8 programs are part of the lottery program. Applying for Affordable Housing Affordable housing still has a long way to go to provide communities with the housing options that they need but there is no denying the important role that it plays in preventing homelessness. It also assists those who are moving out of abusive or violent living circumstances and need economic or temporary housing. Public housing is government-run and developed for low income families. While there are long waiting lists when you apply for public housing, you may pursue affordable housing lotteries offered in your state or seek alternative rentals that are part of the low to mid-income sector. No matter your reason for an affordable home, programs such as public housing, Section 8, and tax credit housing are available. It is up to you to consider the best rental, from the monthly rent to the location, so you find opportunities and pursue your dreams.

Cleaning your apartment is important for keeping your space tidy and warding away pests. With your busy schedule, there may be certain tasks that fall by the wayside. Here are some cleaning tips for each room you should keep in mind. For Your Kitchen You spend a lot of time in your kitchen, whether cooking or entertaining. So, you want to keep it looking spotless. The first step is to remove any dishes from your sink and unload the dishwasher. Leaving out dirty plates can attract pests and leave food residue. Then, wipe down your kitchen counter, tables, and stovetop using all-purpose cleaners. In addition to these daily tasks, there are a few chores to do each week. These may involve just a little more time. Here are a few projects to keep in mind: Take out your garbage Clean your refrigerator and dust the top Wipe down the front of your cabinets Clean under your appliances Check the space between the counter and stove Wipeout your drawers You will also need to do the following chores every month: Wipe down your backsplash Clean your coffee maker Wash your oven, including the hood and warming drawer Rinse out your sink drain Clean your microwave Dust your lighting For Your Bathroom The next place you want to tackle is the bathroom. Start by cleaning your toilet, floors, shower, and countertops. Make sure to wipe down the toilet’s exterior with a dust rag and spray the surface with an all-purpose cleaner. Then use a toilet brush to scrub the bowl, removing any stains. Also, make sure to unclog your drains using a half-cup of salt and a half-cup of baking soda, and one cup of white vinegar. Be sure to remove any hair from them as well. Along with these regular tasks, do these chores weekly: Clean your shower’s curtain liner Remove hair from brushes and combs Wash your bath mats Mop the floor and take out the trash Wipe down the mirrors Disinfect your sink and countertops Restock any low supplies Each month, you may also want to do some deeper cleaning and tidying. Here are a few monthly chores to keep in mind: Wash and organize your drawers and cabinets Take care of any mold or mildew using bleach Rinse your trash can Clean your shower grout Wash your shower curtain For Your Bedroom Your bedroom is a place where you want to be able to relax. Clutter and dirt can get in the way, so start by decluttering your space. Sort through piles of stuff and determine what to keep or donate. Ask yourself if the item is valuable or if it’s useful. Also, take time to put away any piles of laundry. Here are some more chores to do weekly: Dust the ceiling fans Wipe down your closet floor Clean doorknobs and light switches Wash your mirrors Vacuum your rug Dust your bookshelf Remember to do these tasks monthly: Wash your mattress Wipe down furniture with a damp cloth Clean your lamps Dust the vent covers Clean your headboard For Your Living Room You probably do a lot of entertaining in your living room. When having guests over, keeping up with cleaning on a regular basis prevents last-minute scrambling. Start by removing clutter, mopping floors, and cleaning the furniture. Here are some additional tasks to do each week: Dust any artificial plants Wash throw pillows and blankets (read care instructions first) Clean your diffuser with vinegar Wipe down the television and remote control Clean dining room chair rungs Wipe down your front door Remember to do these things monthly as well: Clean the windows Vacuum your couch Spot treat your carpet Check your smoke alarms Change air conditioner filters Clean Your Apartment Like a Pro Cleaning can sometimes seem like a hassle. However, it’s important to keep you healthy and less stressed. To make things simple, follow this apartment cleaning checklist. Author Bio: Cora Gold is an avid writer who loves to share her experiences with life, family, home, and more with others who share her passions. She is the Editor-in-Chief for Revivalist magazine and can be found on Facebook, Twitter, and Pinterest.

You’re interested in an affordable home to rent but you aren’t sure what is available or whether you even qualify? You want a safe and well-maintained home but at a rent that fits your pocket. The good news is that affordable housing exists for those who earn a low to moderate income, you just need to know what to look for and where to find it. You should also know that affordable housing doesn’t only consist of government-funded programs. It includes rentals such as micro-apartments and manufactured houses each offering unique features based on affordability and location. In this guide, we help you find an economical rental by looking at the different types of affordable housing available in the US. Let’s start with qualifying income for an affordable house or apartment to rent, so you can better plan your next property move. What is a Low to Moderate Income? Before you can find and qualify for a low-cost or economical rental, you need to know whether your earnings fall into the low or moderate-income bracket. Someone who is considered low income earns an annual salary of 30%-50% less than the average median income (AMI) for the city or state that they live in. For example, if your city’s AMI is $70 000 then low income for the area would be considered an annual wage of $35 001. Moderate income earners are those who earn 80%-115% of the annual median income for their city or state. You can also visit the HUD-income limits page to learn more about qualifying salaries for particular types of housing. The Types of Affordable Housing in the US The US offers a wide range of low to mid-income rentals for residents, each with its own set of requirements and criteria for qualifying income. Some types of rentals you may be familiar with such as public housing or assistance programs that are government-funded while others such as mobile or tiny homes are private developments rented to singles and families who can afford the monthly rent. Not every type of housing program is offered in every state, so getting to know your options for affordability can help you find the right type of rental for you and your loved ones. Public Housing Public housing is government-owned and available to those who cannot afford to spend more than 30%-50% of their income on rent. These rentals are usually very cheap but, on the downside, it’s usually located in less desirable neighborhoods. If you live in federal public housing, you’ll pay 10% of your annual income or around 30% of your adjusted income. Utilities are usually deducted separately to rent. Section 8 Section 8 homes are run by the HUD and private landlords. While often confused with public housing, section 8 works with a housing voucher or Section 8 voucher that a renter will give to their landlord. There are over 2 million people including families who use Section 8 housing in the States. They also pay around 30% of their income on their monthly rent. Section 8 qualifying criteria depend on those issued by your local housing agency so if you’re interested in rent assistance with a housing voucher, contact the HUD. Section 42 If you haven’t heard of Section 42, you may have heard of Low Income Housing Tax Credit but with this program, there is no government assistance involved. When a property is financed according to Section 42, its tenants should earn an income of 60% below the average median income for the area. While the government has made Section 42 part of its low-cost housing initiatives, it mainly involves private developers who receive a tax credit when they make affordable housing a part of their building or housing development projects. If you are interested in this type of housing, you will have to contact the developer or property offering Section 42. Qualifications are not performed through the HUD. It is important to understand that Section 42 housing is subject to restrictions based on credit and criminal history. You will also need to have your income recertified every year to ensure that you meet the affordability criteria for rent. Tax credit rental developments are meant for low-income earners; however, rent increases every year are still to be expected with these rentals. Second Chance Housing Second Chance Housing offers the affordability and housing eligibility for those who may have a negative credit history, bankruptcy, former eviction, and other criteria that may prevent one from qualifying for a regular apartment. To find out how to get approved for a second chance apartment, you can speak to the team at APNM for more information. Government & Private Affordable Housing While the government has created initiatives aimed at helping those who live below the poverty line, there is also a consideration for those who earn an income but cannot afford the generally high costs of rent in their region. Affordable homes and apartments are offered to those who earn a part-time or full-time salary, can afford to pay rent but cannot spend more than 30% of their income on rent. Affordability also differs between states. What might be considered affordable by meeting the median income for the area might be much higher in another city or state. Both government and private developers have invested in affordable housing for American communities particularly those who do earn a living and want to rent their own homes in a safe and favorable location. It is also a great option for low to moderate-income earners who want to choose their own place to rent rather than be restricted to government assistance programs. Low Income or Income-Based Housing Low income or income-based housing is determined according to how much you earn per year. Whether a governmental or private development, the monthly rent will be adjusted according to your yearly income. Sub-sectors in the Housing Market Emergency Housing Emergency housing is often government-supported or is made available by private or charitable organizations for communities who have been displaced by disaster, trauma, or domestic violence. It is a temporary form of residence or shelter in which residents are provided essential resources such as food, water, blankets, and clothing. Transitional Housing For those who are moving from an emergency house or shelter to a place of permanent residence, transitional housing is usually involved. The purpose of these types of homes is to help those who need to or want to rebuild their lives in a safe environment. People who move into transitional homes are given a couple of months to a few years to find a permanent residence. Congregate Living Congregate living is a type of transitional living in which rooms are rented but common areas such as the kitchen are shared. This type of housing can be temporary or permanent depending on the reason for seeking such a rental. Congregate housing does make for more affordable living because you rent a room and share the property with the other residents. The most common type of congregate living is student housing. The downside is that you have no privacy and if you don’t get along with the rest of your housemates it makes for an uncomfortable and unpleasant living environment. Other Types of Affordable Homes to Rent Micro-Apartments If you earn a full-time income, and you live as a single or couple, then a micro-house or apartment could be for you. Also known as micro-housing, residential suites, or an efficiency dwelling unit, these tiny apartments are usually part of multi-dwelling units or multiple rooms within a building. In these types of rentals, you can expect a total floor space of less than 400 square meters. Some units offer a private kitchen and bathroom while others will have you share the kitchen and open plan living spaces with fellow residents. A similar type of residency offering economical living is the Single Resident Occupancy, but these offer private living areas with communal spaces such as the kitchen. Manufactured Houses A manufactured house is pre-designed, built, and best described as a home made to go! The government will designate where a manufactured house can be placed; however, it is one of the less expensive ways to own your own unit and private space. In 2020, a single manufactured home averaging 800 square feet to 1400 square feet was $57 700 as per the U.S. Census Bureau. Mobile Homes Mobile homes have been around for some time and certainly offer an affordable means of living. While you can find many mobile home parks and sites across the country, the problem is that any one of these sites can close down with very little notice owing to land for future property development. Despite the closure of many mobile home parks, there are municipalities advocating to keep these sites open as it offers both single families and seniors cheap housing, preventing homelessness. Accessory Dwelling Units These are small living units that are located on the same lot as a single-family residence. In essence, it is a little house or rental that shares the land with a larger house. Building these units may not be considered affordable; however, How Do I Know Which Type of Rental is Right for My Needs? To really answer this question, you’ll need to list the pros and cons of each type of rental, consider your annual income, and the period of time you’ll wait on getting approved for an apartment. Section 8 is one of the hardest programs to get into. Some people have waited for over 10 years to get approved for a home to rent. Others have participated in the Section 8 lottery that is held every year in the hopes of winning their spot in a secure place to rent. Section 42 may not have you wait as long but the strict assessment criteria can make it hard to get approved. If you are interested in affordable housing, second-chance housing can help you provided you earn a full-time income. Public housing is another alternative, but these dwellings are government-owned and usually not in many secure or “nice” areas. You may also wait a very long time before you can be approved. Speak to your local housing agency and find out how to qualify for specific types of rentals that you are interested in. Many of these income-limited properties may not be applicable to your situation which means that you’ll need to make another plan for renting or homeownership. Fortunately, there are options and while it may take a little bit of time and requires some research, you can find what you are looking for.

Looking for a place to live is about more than a roof over your head. It’s about finding a home that protects you, your loved ones, and helps you achieve your life goals. Today’s renters want more than four walls. They want a space where they can grow, relax, and possibly raise a family. They also want rentals they can afford, and this is where affordable housing can create these opportunities. In October 2021, US inflation hit a high of 6.2%, the highest its been since the 1990s. This hasn't fared well for many low to mid-income earners who have already stretched their finances owing to a volatile economy. Increases in the cost of food, gas, along with rent (without increases in salary) have made it difficult for many families to manage their basic expenses. Even the costs to stay at a shelter have risen by more than 3% in the last 2 months. The high cost of living has driven more people to relocate to more affordable states and to find ways of making the most of their bottom line. This also means finding decent, secure, and low-cost homes to rent. In our exclusive guide, we explore the role of affordable rentals for those who fall in the low to mid-income bracket, whether decent low-cost rentals exist, and how housing services can help you find the right home for your needs. Why is Affordable Housing Important? The first types of affordable housing were associated with low-income communities living below the poverty line. Many of these communities were in the middle of areas with high crime rates and known drug use that contributed to an affordable housing stereotype. It is this very stereotype that has prevented many people from pursuing what could be an incredible opportunity to achieve financial stability and a home they can afford. If we look at property developments in the last decade, modern and economical housing has become available for individuals and families based on their affordability. This means that renting a house or an apartment is determined by your income bracket and what you can afford. It is not exclusively for those living below the poverty line but for all who earn a low to mid-income. There is no doubt that households that choose affordable housing fare better financially, mentally, and even professionally compared to those who don’t. Let's look at the benefits of the current affordable housing sector... Financial Stability When you live in a secure and comfortable home with rent that you can afford, it puts you in a better position to manage your finances. Rather than live paycheck to paycheck, you can relieve some of your financial burdens when you save on rent, especially when you have bills to pay. This alone can relieve stress and leave you feeling confident about your future. Providing for Family Quality rentals are well-maintained with many offering access to amenities that are located close by. When raising children in a safe environment, they are allowed to be themselves, excel at school, and focus on their goals. Health Improvements Do you find yourself in constant fear you cannot afford your rent? What about saving for a rainy day? With the rise in the cost of living, it’s getting harder to save or stay on top of your rent. Economical housing makes it possible to pay for rent based on your income, which means more affordability and less stress. Focus on your health by preventing affordability issues. Diverse Communities Affordable housing that is well-developed and located in safe neighborhoods encourages you to become part of a vibrant and diverse group of people. It is about looking out for one another and creating strong connections with your fellow neighbors that drive a sense of community. Through economical rentals, people of all backgrounds, races, and economic statuses come together within the complex which reduces issues of discrimination and segregation. Improved Economy Property developments in the affordable rental sector have contributed to higher rates of employment, improvements in transportation, and job security with a home you can afford. Is Affordable Housing the Right Choice for You? There is no doubt that an affordable home can improve quality of life because it provides stability, self-sufficiency, and security. It allows you to focus on your goals, career, and even personal relationships because you have peace of mind that you have a home you can afford. Economical rentals attract nurses, teachers, students, and everyday families who are looking for a place to rent that was developed for their needs. When you know what to look for in an apartment to rent, you can find affordability without sacrificing safety, security, and comfort. As property prices continue to rise along with monthly rent for standard apartments, why pay more when you can find quality homes to rent at rates that you can afford? Let’s face it, sky-high rentals especially in tough economic conditions, simply lead to the displacement of families, job losses, and it causes undue stress. A lack of affordability not only affects adults but children too. When you find yourself in substandard housing, your children cannot safely enjoy their home environment which could negatively impact their performance at school. When you have the option of cost-effective rentals, you can focus on getting back on your feet, providing your children a safe home and education, and you could even save enough each month to buy a house on a low income in the future. How Professional Housing Services can Help It can be challenging to find a home to rent that not only suits your budget but your lifestyle too. When it comes to low-cost rentals, you may think that you have to sacrifice safety or living close to amenities in exchange for a lower rent. Fortunately, professional housing services focus on helping you find affordable and safe apartments to rent. Housing services include government organizations such as the HUD or Urban Housing Development who help individuals and families find rentals to suit their needs. Private organizations including affordable housing landlords and property managers also provide housing services that include assistance with understanding a lease, what a security deposit entails, and advice on moving into an apartment or house to rent. The Purpose of Housing Services For low to mid-income earners who need assistance with low-cost homes, professional housing services provide the following: Help to find suitable apartments or houses to rent Steps to prevent homelessness Provision of temporary accommodation Collection of rent Overseeing tenant adherence to lease requirements Property maintenance including gas checks and fire risk inspections If you find yourself in a difficult position, reach out to your local housing service to guide you in the right direction. Where to Find Affordable Apartments to Rent? Finding beautiful apartments to rent in safe communities is possible and it starts right here with Apartments Near Me. As leaders in second-chance housing, affordable housing, and professional housing services, we continue to pave the way for the low to mid-income property sector. Our goal has always been to assist our community with safe and economical housing that uplifts and protects. We encourage diversity and through our rental initiatives and have managed to help many people with the comforts of home. We don’t believe that a low-income home to rent is a handout. It is an opportunity for both individuals and families who want to live independently. Rather than affordable or second chance homes being viewed as a stereotype, it should be viewed as an opportunity regardless of your background or circumstances. Does Decent Affordable Housing Exist? Second chance and affordable apartments don’t have to be associated with unsafe neighborhoods. You can find decent and valuable rentals that make you feel like you’re truly at home with some time, research, and housing assistance. An important part of the affordable housing market is ensuring that you find the home that you need. Professional housing services are meant to make a positive difference in the lives of future renters. Apartments to Rent in Memphis Apartments Near Me proudly assists future tenants with their rental applications for our affordable apartments on offer. From Cottonwood Apartments to Winbranch Complex, we offer various rentals to complement your lifestyle and your affordability. Each of the rental developments offered in Memphis includes budget-friendly floor plans and a unique set of amenities whether you’re looking for a place to rent as a single or as a family with children. Thompson Heights Apartments If you’re in Tennessee or planning to move to Memphis, our Thompson Heights Apartments to rent are perfect for both individuals and families. Nestled among lush green trees, the community is private and quiet but also ideally located; only a few minutes from the city center. Winbranch Complex Immaculate, secure, and fostering a deep sense of community best describe our Winbranch Complex. Newly renovated apartments along with 24-hour security provide our tenants with a safe home where they can enjoy a wide range of amenities including AC, central heating, and pet-friendly apartments. Cottonwood Apartments In East Memphis, a quaint community at Cottonwood Apartments waits for those looking for affordable apartments to rent, whether in a 1- or 2-bedroom unit. Developed with families in mind, the rentals offer exciting amenities such as access to the pristine swimming pool and a play area for children. Why Affordable Homes Shouldn’t Be Underestimated An affordable home to rent means that you can save financially. It provides security, safety, and peace of mind that you and your family have a home you can manage. People from all over the world depend on low-cost and economical homes to rent because it helps them with the stability they need to thrive and to reach their goals. If it weren't for affordable property developments, thousands would find themselves homeless, facing eviction, or unable to save towards owning a future home. Many people are also unaware that you can find quality and affordable apartments to rent in favorable neighborhoods. When you have access to decent and safe housing, you can focus on your health, your finances, and your family. You can also become part of an exciting diverse community in which you can raise a family. Home is certainly where the heart is and with affordable housing, you have the chance to live a better quality of life, achieve your goals, and hold on to hope.

Everyone dreads doing their taxes. If you’re at home budgeting, you’re likely looking for a way to cut down your tax bill. Sure, it’s your responsibility to pay your taxes and do so on time. Regardless, you should take advantage of all the provisions within the law that can help you cut down on what you have to pay. If you’re looking to avoid a surprise once you have to prepare your tax returns, there are several ways to cut your tax bill this year. Here are 5 tips you can do to pay less without evading your taxes. Take Advantage of Tax Credits If you’re in a low-income household, the best way to get the most out of your tax planning is to take advantage of tax credits. There are many types of tax credits available, and if you want to cut down your tax bill, it’s vital to get as many of these tax credits within your income bracket as possible. The earned income tax credit is a powerful way for low-income and middle-income households to get more out of their money. The tax credit, for example, received a temporary expansion once the Build Back Better bill passes. Single and low-income households, usually those of color and immigrant origin, can benefit EITC. The credit can reduce any federal income tax you owe to the government dollar-for-dollar. EITC can even give you a cash refund if you qualify and eliminate your entire tax bill. Other tax credits like the Child Tax Credit, Child, and Dependent Care Credit, and American Opportunity Tax Credit can set you up. It’s essential to confirm that you qualify for these credits first. Then again, most of the requirements for each credit are mostly about transparent reporting of your taxes - something you should already do. Stash Money On Your 401(k) Retirement Account Here’s a simple money mindset that everyone needs to remember: if you have less taxable income, the fewer taxes you pay. If you want to reduce your tax bill, the most popular way to do so is by pumping some money towards your 401(k). The IRS does not tax anything stashed within your 401(k). You can use whatever extra you have on your paycheck to add money to your pre-tax 401(k). You can even push the money towards your 403(b) deferrals, with a contribution limit of up to $19,500 for 2021. Investors at ages 50 and older have an additional $6,500 limit on the contributions they can give. As we said, your contributions are made pretax through paycheck deferrals. This lowers your taxable income and directly cuts your potential tax bill. Remember that 401(k)s are usually employer-sponsored unless you’re self-employed and can freely open your retirement account. If your company uses an employer-match system, that will be much better. You’re getting free money through your employer. You also need to plan for your 2022 retirement savings, as the limit will jump up to $20,500. Add Contributions To Your IRA While we’re still on the topic of retirement accounts, the Individual Retirement Account (IRA) can also help you save up money. The annual contributions to the IRA comes at $6,000 in 2021 and 2022, with catch-up contributions of up to $1000 for those above 50 years old. Traditional IRA and Roth IRA offer two different contributions and work differently from each other. While both are after-tax contributions, which means you pay taxes on their value, Traditional IRA is tax-deductible during your tax return. Roth IRA does not confer tax deductions, but all withdrawals you do for it will be tax-free. The IRS has detailed rules on what and how much you can deduct, depending on your income. Several laws have been introduced to affect how contributors can add to their traditional IRA. Several changes now allow those aged 70 ½ years old and older to contribute a maximum of $7000 and receive full tax benefits for it. Fill Up Your Health Savings Account (HSA) If a traditional IRA is not up to your tastes from a tax-avoidance perspective, another way to push down your tax bill is to contribute to your health savings account (HSA). HSA contributions are pre-tax, allowing you to contribute until the tax deadline and deduct them from the current tax year. Your HSA account is also a tax-exempt account, so everything in it is used to pay for any medical expenses that you may have. Withdrawals from your HSA are also free, as long as they are done against qualified medical expenses. If you have self-only high-deductible health coverage, you have a contribution limit of up to $3600 for 2021. The family high-deductible health coverage can go as much as $7200 in 2021. Those 55 years old and above can put an extra $1000 into their HSA, and you can self-start it too if your employer does not offer it. Maximize Returns Via Tax-Loss Harvesting From a simple tax bill perspective, another great way to reduce your tax bill is to sell off investments that declined in value. If you have assets that have losses for the year, you can perform what is known as tax-loss harvesting. Investment losses are amounts you can write off against your investment gains or other income every year up to a specific limit. The IRS sets the limit at $3000, or $1500 if you’re married filing separately. Any amount that you can’t use for the year also carries on for the following years, reducing your assets for that year. If you have appreciated assets, it’s best to delay selling them, especially if you don’t have losses to write off against your gains. You should also prefer to pay for long-term capital gains on your investments rather than hefty short-term capital gains. You should remember that the IRS bans investors from deducting a capital loss against the capital gain of similar security. Known as the wash-sale rule, you can’t gain from the sale of a similar security 30 days before or after. The Bottom Line There are many ways to lower your tax bill, from changes in tax credits to funding several pre-tax accounts that can lower your taxable income. There are several ways for you to trim your current tax bill. Taking advantage of these can reduce your tax bill and get you higher gains. About The Author: Katreena is a scientist and a life hack specialist. She's authored scientific journals on biotechnology and molecular biology. To take a break from scientific journals, she puts her mind into writing about lifestyle, health, and sustainability. She strongly believes that kindness makes the world go round.