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February 22


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Fernshiine Featured By Owner 3 days ago  Professional Writer
So my parents and I are living in a house that has no room for us right now, and isn't ideal for my father's disability (spinal cord injury). Due to covid my mother can't work and my doctor has told me not to due to my disability the last time I was at her office. She is a different doctor than my father's and is more thorough, as his hasn't sent him to the best of specialists for his condition and also misdiagnosed a few people who had cancer at once. Mine sent me for tons and tons of tests, giving me a trial medication as well. She told me to apply for disability since that's the only thing that will cover my needs (most jobs couldn't accommodate my needs and wouldn't cover them in my town anyway). Despite living in Canada, the way the government works is weird and you can only get therapy and meds if the government or your job covers it. I need two sets of medication, with one being expensive yet honestly effective! 

Sorry, went on a tangent. 

Anyway, so as I was saying, when I was able to work a minimum wage job wouldn't cover nearly enough for needs. Not nearly. Enough. Even a slightly higher waged job wouldn't. I'd get about $2000 a month BEFORE TAXES. Rent out here is $1300-1500+ Obviously this isn't helping either, and it doesn't help that people stigmatize needy people causing the government to give them next to nothing, in spite of people with various disabilities needing crap like wheelchairs and ventilators to accommodate their living. I made the choice to apply for disability, which is actually my only way of getting much-needed counselling on top of medications. My Mom, without what the gov't takes from her due to us being on disability, would make $2500 once taxes were taken. So still most income would be going toward rent, utilities, and other bills. 

So, with that being said:

How does the average Joe actually afford houses? Even a townhouse and an apartment is above $1300. You'd have to be making $30 before taxes and full time to live somewhat comfortably, and that's with only yourself to support, maybe a spouse? 

And now, what I need help with:

How does someone who is in need afford a house? I really hope, like, gofundme isn't the only way because I tried hard to work to help my parents, as did my father, and I feel like that'd get us shamed by some people here. My government only pays up to $500 in rent and anything else comes out of the basic needs funding we get. How can just anyone afford it? Even our "affordable housing" houses is out of reach at the moment. 

I would love advice on this perplexing situation. No matter how much anyone in our family has made working before my doctor told me not to we can't afford to rent a place. I do have a case worker but I am not yet sure what to ask her. 

Also my mother can't work till the covid restrictions are lifted. My partner can't either, but that's because he's an immigrant and cannot for another year when he gets here (which, surprise, has been affected by covid). So that's two less people able to chip in. 

I think my parents deserve a place to live. They are very nice and down-to-earth people and are the best parents everrr. They've both not only worked hard but have helped out people in my family in the past, taken time out of their busy days when I was a child to spend time with me, and other things. Our money was stolen during an "agreement" with our last landlord who said some nasty albeist stuff to my dad.  When my dad's back isn't bothering him he does stuff around the house to help out in summer. My father deserves a place where he can relax and my mother deserves a clean place where she feels at home. My partner deserves more than a cramped room too. 

I'm trying my hardest to help them but I feel like everything isn't enough. The stigma against disability makes me feel even worse, like crap, and makes me feel more helpless. I should be getting $1100 a month and I'll try to give them half and put most of the other half in savings. I'll only spend the stuff I earn from my monthly commissions on myself. I mostly just care about helping them rn. 

Devious Comments

pyrohmstr Featured By Owner 3 days ago  Professional Artist
It's a no-win situation. You either have to find somewhere cheap enough that you can afford rent but it might not be nice. Or you need to find a few sources of income from roommates. Or you need to get the government to subsidize your housing - unlikely to be nice but these days a lot of new developments are required to have a % of units designated as affordable government housing so it's possible to get in a nice place. Here waiting lists can be long (decade+). How much is available and so forth obviously depends a lot on where you live.

If you have a case worker they're the one to have this conversation with. They'll know the local resources.

If you want to buy a house/condo that's a different story entirely. That you'll need pretty solid finances for.
Fernshiine Featured By Owner 3 days ago  Professional Writer
I will talk to my case worker!
Personally my father wants to buy a house but since him and I are both disabled it doesn't seem like a good idea because of the maintenance and upkeep to buy as opposed to renting.
I actually just got hooked up with a case worker so I think I'll talk to her. Thanks very much!
ShuQxx Featured By Owner 3 days ago   General Artist
Unfortunately, you and everybody's got to live within the system we're in, so you've got to find a way to improve your chances within these constructs and limitations. It is sad that you and your family may have more difficulty than others to do so due to things you mentioned above..

According to the internet.. the "average (canadian) Joe" earns ~$4k/month (2020) and household income is ~7k/month (approx. meaning 2 people need to work to sustain an avg. Joe family of 4). Of course there are slight differences depending on which province/city you live in. 

So if it's just you and your mom working that's able to work right now, you'd really need to earn at least 4k each (or even a bit more if you're also supporting your partner)... 

I don't (and I doubt too many here) would know the canadian wellfare/support/pension system well enough to provide you with much help so you'll probably need to find out (or get someone to help you find out) how you can get your city council (or whoever) to help you. Social worker maybe. See if your dad (who I'm assuming isn't/can't work but has worked) qualifies for some sort of pension?

I'm pretty sure the canadian gov't provides some sort of financial support for education (because my tertiary education (in US) was 'subsidized' I believe in some gov't scheme/funding)... and if possible for you (and/or maybe even your mother) it's good to consider furthering your education in order to increase your chances in getting jobs that pay better. 
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