Can't afford to rent!!!

ted1

trixychic wrote: »

thomas 123 wrote: »

Would you be entitled to any housing assistance?

The state doesn't believe we at entitled to anything!!! To quote the letters I have received
"We acknowledge your son has a disability however it does not require in excess care requirements to that of other children of his age..." which is total and utter bulls#it. We are in the process of ralking to a legal team by this again takes money and time.
The state won't help us with our son or with our housing!!!

Basically without severe physical deformities which require 24-hr care you won't get housing help.

In fairness it’s Autism, hardly an illness that comes with high costs.

Instead of trying to use your sons Autism look in FIS or rent allowances

trixychic

ted1 wrote: »

In fairness it’s Autism, hardly an illness that comes with high costs.

Instead of trying to use your sons Autism look in FIS or rent allowances

Oh for God sake. Do you have a child on the spectrum?? Do you have any idea of the therapes he needs? Such as OT, CBT for his anxieities, socialization clubs to help him understand how other people work! I also attend parenting classes to help me understand him and discover new ways to help him. He also requires specialist things at home for sensory requirements!!!

I am just saying I can't move to the west of Ireland as I have his support network and school here and the move would upset things further than is necessary.

I do not get any help from the state and the only thing I've ever even applied for is DCA to help me cover the costs of his therapies. I am not scrounging from the state and I never have. I am trying to find a solution for the predicament I find myself in now!!!!

ELM327

As a former autistic child and now autistic adult my mortgage is less than half the Op's quoted rent figure for a 3 bed in meath.
Autism is no excuse.
60km commute to work but worth every penny when I see the shacks and mouldy old run down sheds going for 1k+ in Dublin!

trixychic

ELM327 wrote: »

As a former autistic child and now autistic adult my mortgage is less than half the Op's quoted rent figure for a 3 bed in meath.
Autism is no excuse.
60km commute to work but worth every penny when I see the shacks and mouldy old run down sheds going for 1k+ in Dublin!

Im not trying to use his autism as an excuse!!! I'm just saying I would like to stay within commute distance of here as he has his support network and I don't want to leave it.

Fol20

thomas 123 wrote: »

Wholeheartedly disagree with this. Its not just a Dublin issue, rent across the country is skyrocketing up.

Im paying 1/2 my salary on rent at the moment 3 years ago I was paying 1/4. Rent in my complex has gone up 40% in the last 12 months(From other properties listed on daft that are the same spec as mine)

Anywhere where there is any demand rent is extortionate. Anywhere where rent is lower there is no demand ie. no jobs etc.

The cost of property has also doubled in the past few years. For example I saw places around my areas advertised at a purchase price of about 130k a few years ago with rent of about 1k while now they cost 250ish to buy with rent of 1500. When you involve private enterprise in it the rental yield must be enough or else more ll will get out of the market.
Personally I’d prefer if it was cheaper to buy and rent as I’d be paying less tax as well on my income

Fol20

I would also arrange to talk to your local politician to see if they can help out in anyway

troyzer

Something isn't adding up here.

If €1,000 a month is considered too high for you, and there are cheaper places in Carlow, then you must be low income. If you're low income, you should qualify for HAP payments.

End of story.

But you're saying you don't qualify for HAP (which is limited to below €27k) so how do you not have savings? If you were paying less than €1,000 a month for the last seven years on a combined income of over €27k you should definitely have enough saved up for help to buy.

If you don't, then clearly you're just not good with money and it looks like you need help with the broader problem of poor money management.

Having said that, I do sympathise with you. I have autism and I know how hard it was on my parents growing up. I absolutely understand your desire to stay somewhat local and it's not unreasonable to expect the government to help.

ELM327

trixychic wrote: »

Im not trying to use his autism as an excuse!!! I'm just saying I would like to stay within commute distance of here as he has his support network and I don't want to leave it.

This was the comment I was replying to.

trixychic wrote: »

Oh for God sake. Do you have a child on the spectrum?? Do you have any idea of the therapes he needs? Such as OT, CBT for his anxieities, socialization clubs to help him understand how other people work! I also attend parenting classes to help me understand him and discover new ways to help him. He also requires specialist things at home for sensory requirements!!!

I am just saying I can't move to the west of Ireland as I have his support network and school here and the move would upset things further than is necessary.

I do not get any help from the state and the only thing I've ever even applied for is DCA to help me cover the costs of his therapies. I am not scrounging from the state and I never have. I am trying to find a solution for the predicament I find myself in now!!!!

I had to move from a house where I had a wall that was concrete and an outside wall with no room on the other side, that wall was where I went to sit in "my chair" and knock on with my knuckles in a rythym as it calmed me down when things got bad with my anxiety or agitation. My new house doesn't have that so I had to adjust.


I couldnt afford to rent or buy in dublin so I moved.
I would suggest that you should consider similar, move to a cheaper area. There's plenty of lovely properties and good schools outside of the city.

trixychic

ELM327 wrote: »

This was the comment I was replying to.



I had to move from a house where I had a wall that was concrete and an outside wall with no room on the other side, that wall was where I went to sit in "my chair" and knock on with my knuckles in a rythym as it calmed me down when things got bad with my anxiety or agitation. My new house doesn't have that so I had to adjust.


I couldnt afford to rent or buy in dublin so I moved.
I would suggest that you should consider similar, move to a cheaper area. There's plenty of lovely properties and good schools outside of the city.

And as I have stayed. I have looked for properties all within an hours drive of the school. I am not trying to stay. In my original post (which I have edited) I stated I was thinking of putting a mobile onto my father in laws land which is 50mins away.

These reason for my response "do you have a child on the spectrum" was because that poster told me it was just autism which isn't expensive. They have no idea of the level of autism my son has and clearly doesn't realise the therapies some kids with autism need which require money to attend.

4068ac1elhodqr

Log cabin? One article suggested planning for these is easier in the countryside.
https://www.independent.ie/irish-news/news/could-these-30000-family-log-cabins-help-solve-irelands-housing-crisis-34719811.html
10wk build, 30k for 7x5m or 70k for 7x10m. Estonian strauss wood.

trixychic

troyzer wrote: »

Something isn't adding up here.

If €1,000 a month is considered too high for you, and there are cheaper places in Carlow, then you must be low income. If you're low income, you should qualify for HAP payments.

End of story.

But you're saying you don't qualify for HAP (which is limited to below €27k) so how do you not have savings? If you were paying less than €1,000 a month for the last seven years on a combined income of over €27k you should definitely have enough saved up for help to buy.

If you don't, then clearly you're just not good with money and it looks like you need help with the broader problem of poor money management.

Having said that, I do sympathise with you. I have autism and I know how hard it was on my parents growing up. I absolutely understand your desire to stay somewhat local and it's not unreasonable to expect the government to help.

I said that I had checked citizens information which had told me that if one person was in full time work than we weren't entitled. Obviously now I know different and I will be looking into it.

Any spare money I have had over the past few years have all gone into my son. And he's not my only child. I have another son who also has sensory disorder and dyspraxia. Thankfully we don't need as many things for him.

We don't ever go out, we don't go on holidays, we don't drink or smoke, we don't have sky or internet or anything like it. I have internet connection on my phone and that's it. All my spare money has gone on my children and savings. But our level of savings doesn't meeat the requirements.

trixychic

Oaklynn Square Menu wrote: »

Log cabin? One article suggested planning for these is easier in the countryside.
https://www.independent.ie/irish-news/news/could-these-30000-family-log-cabins-help-solve-irelands-housing-crisis-34719811.html
10wk build, 30k for 7x5m or 70k for 7x10m. Estonian strauss wood.

I looked at that at one point. It still works out expensive but i might revisit it. Thanks.

M.Cribben

trixychic wrote: »

Im not trying to use his autism as an excuse!!! I'm just saying I would like to stay within commute distance of here as he has his support network and I don't want to leave it.

With all due respect, and I sincerely empathize with your situation but it seems like you weren't aware of the extent of how deep this property crisis has become in Ireland (and particularly urban areas). Those of us with an interest in the property market have watched as year on year, failed government policy after another for the last 5 years the situation has spiraled completely out of control.


To put it bluntly, you are now facing homelessness which will probably consist of emergency accommodation in a hotel or B&B which you could be in for 1-2 years before a suitable council property becomes available. These living conditions may have worse consequences for your son than moving down the country and building a new support network for him. There are children on the spectrum in every town, village and city in Ireland. Contact Irish Autism Action or 1 of the other organizations to find out about supports available in other (more affordable) parts of the country.

trixychic

M.Cribben wrote: »

With all due respect, and I sincerely empathize with your situation but it seems like you weren't aware of the extent of how deep this property crisis has become in Ireland (and particularly urban areas). Those of us with an interest in the property market have watched as year on year, failed government policy after another for the last 5 years the situation has spiraled completely out of control.


To put it bluntly, you are now facing homelessness which will probably consist of emergency accommodation in a hotel or B&B which you could be in for 1-2 years before a suitable council property becomes available. These living conditions may have worse consequences for your son than moving down the country and building a new support network for him. There are children on the spectrum in every town, village and city in Ireland. Contact Irish Autism Action or 1 of the other organizations to find out about supports available in other (more affordable) parts of the country.

I have never watched the market. It's not something I was ever interested in. I don't even watch the news. I have said since the beginning of this post I am considering putting a mobile home on my fil land. No one seems to realise that. I did have a bit of a rant and tried to explain the situation (which maybe I shouldn't have done) but my original question was re putting a mobile on private land!

troyzer

trixychic wrote: »

I said that I had checked citizens information which had told me that if one person was in full time work than we weren't entitled. Obviously now I know different and I will be looking into it.

Any spare money I have had over the past few years have all gone into my son. And he's not my only child. I have another son who also has sensory disorder and dyspraxia. Thankfully we don't need as many things for him.

We don't ever go out, we don't go on holidays, we don't drink or smoke, we don't have sky or internet or anything like it. I have internet connection on my phone and that's it. All my spare money has gone on my children and savings. But our level of savings doesn't meeat the requirements.

The help to buy scheme refunds all of your tax and DIRT that you've paid in the last five years up to 5% of the value of the property or €20,000. Whichever is lower. There are new homes in Carlow for around the €220k mark so you'd have to come up with €10-15k.

Go for HAP.

trixychic

troyzer wrote: »

The help to buy scheme refunds all of your tax and DIRT that you've paid in the last five years up to 5% of the value of the property or €20,000. Whichever is lower. There are new homes in Carlow for around the €220k mark so you'd have to come up with €10-15k.

Go for HAP.

Thank you. I will defo be looking into all that this week.

Fol20

Edgware wrote: »

Theres no need for that comment. The poster has difficulties and is seeking advice.
He is not a freeloader and is well prepared to pay fair rent.
Growing up years ago I read of the Land Leagues demands against the English landlords,
The 3 Fs. Fair rent Fixity of Tenure and Free sale.
Now 125 years later it is our native landlords backed by this right wing government that is failing the ordinary people. They wouldnt want to be fooled by opinion polls

Please oh please read how all the protections are all geared towards tenants. Ll own the property, they have a right to sell it. If a tenant doesn’t pay rent or damages the property you would think we are entitled to reclaim but sadly not. If ll doesn’t thread carefully from a legal standpoint, it is very easy to be sued by tenants where ll actually will have to pay damages. On top of it. Whatever little profit might be left over is then taxed at 50pc.

I agree that I feel bad for the op as I can’t even imagine how to take care of a kid like that. I’m sure it’s a full time gig just for that child alone but please don’t bring in the tenants are being scammed when If anything it’s the other way around or maybe a bit of both by the government spinning it.

davindub

trixychic wrote: »

M.Cribben wrote: »

With all due respect, and I sincerely empathize with your situation but it seems like you weren't aware of the extent of how deep this property crisis has become in Ireland (and particularly urban areas). Those of us with an interest in the property market have watched as year on year, failed government policy after another for the last 5 years the situation has spiraled completely out of control.


To put it bluntly, you are now facing homelessness which will probably consist of emergency accommodation in a hotel or B&B which you could be in for 1-2 years before a suitable council property becomes available. These living conditions may have worse consequences for your son than moving down the country and building a new support network for him. There are children on the spectrum in every town, village and city in Ireland. Contact Irish Autism Action or 1 of the other organizations to find out about supports available in other (more affordable) parts of the country.

I have never watched the market. It's not something I was ever interested in. I don't even watch the news. I have said since the beginning of this post I am considering putting a mobile home on my fil land. No one seems to realise that. I did have a bit of a rant and tried to explain the situation (which maybe I shouldn't have done) but my original question was re putting a mobile on private land!

You need planning permission for the dwelling which will be very hard to get for a temporary structure but especially in country areas where local needs only applies in quite a few County areas.

You will also need planning permission for a septic tank and waste water.

Log cabins also require planning if to be used as a dwelling. I know one case where planning was granted but the specification was high and took quite a while to pass the conditions attached to the permission.

I have seen cases where mobiles have been used long term, there are penalties and enforcement can be swift in some areas (eg Wicklow), it may not be worth the expenditure of buying and moving the home.

You may be able to do a deal over the off season months with one of the existing sites with holiday homes but this would breach planning as well so wouldnt be advertised.

In short it would be difficult.

GoneHome

OP crazy idea but if money is that tight have you ever considered going out and getting a job yourself, just a few hours a day while the kids are at school say 9.00 am to 2.00 pm in a local shop/deli/restaurant/pub, even with a minimum wage job you'd come out with roughly €240 per week, if you were to save all of it (as you are already living off your husband's wage) you'd have a deposit of €25,000 saved in two years which would get you a very good house in the Carlow area (as per latest daft report average house prices in Carlow are €184,000). IIRC you were on here a few months ago with the same issues re. renting/buying, have you taken any of the advice on board that was given to you that time?

BarryD2

trixychic wrote: »

No I'm not in the town either. I have looked all over Carlow and north wexford and south Wicklow and even Kilkenny. I am not trying to stick with where I am. I just want somewhere that is within reach I my sons school. I have a car and i am not than willing to commute up to 1 hour away.

Are you sure? Where are you looking - online, estate agents?? If I were you, I'd target one or two rural villages or areas in Carlow/ inland Wexford and put feelers out, ask in local shops, pubs/ PO etc.

I see quite a number of uninhabited houses in the general area, unsold ones too. In many cases, they well not be up officially for renting but if the owner was asked.

LirW

My heart really goes out for the OP, it really is tough finding accommodation and even tougher to secure it. Sometimes people try do directly rent something out advertising it on local Buy& Sell FB groups, you could try that.
Otherwise I'd get onto the welfare office in person and explain what's going on. I really appreciate that you have a good support network I'm place and with a disabled child this is invaluable. Nobody here is aware on how severe the child's issues are, maybe he isn't high functioning and needs a horseload of help, assumptions on it being a cheap disease or biting the bullet and relocate don't seem like options. It's a sh1tty predicament to be in.
Beside your seemingly best efforts of searching you need to get in touch with social welfare, you're facing a serious and probably highly upsetting situation with your son. Reach out to everyone you know, teachers, assistants, friends, relatives in the area, if they know anything at all. Grab every straw you can.
Another poster mentioned to ask around in villages, if you'd have a reference point like a person you know living there, even better. Houses indeed get rented out by knowing someone who knows someone.
Also get your husband to ask in work if someone there knows something.

I really hope you find a quick solution! Best of luck.

CircleofLife

trixychic wrote: »

I have never watched the market. It's not something I was ever interested in. I don't even watch the news. I have said since the beginning of this post I am considering putting a mobile home on my fil land. No one seems to realise that. I did have a bit of a rant and tried to explain the situation (which maybe I shouldn't have done) but my original question was re putting a mobile on private land!

Just so you know, you will likely need to apply for planning permission for that, if it is to be a long term residence. I hope you get sorted soon. I'm also autistic and could see what damage upheaval can cause.

CircleofLife

You may also want to check the new county council mortgage scheme to see if you are applicable for that, if you are interested in buying. It seems much more open than traditional mortgages. http://www.citizensinformation.ie/en/housing/owning_a_home/help_with_buying_a_home/local_authority_mortgages.html#ld1a9a

GoneHome

I'm just home from working late tonight, OP have you made a decision on what you're going to do?