By Wendy, Retirement Enthusiast/Coach
I want to tell you about my experience with Low Income Senior Housing...
Low Income Senior housing is not always bad... despite the negativity out there.
Do your homework, talk to those already living there, check out the public rooms... and read my story here!
My father only paid 30% of his income (only Social Security) for a really nice senior apartment that we both loved.
Low income housing expenses gave my father more freedom to do what he wanted to do!
As we age, it's not all fun... We lose friends, don't have the money we thought we'd have, find it harder to get around and do even the ordinary things, like cook dinner. Bills increase, and incomes do not. Driving becomes a hassle, so many of us get out less, becoming more and more like the crazy cat lady we all swore we would not be... grin!
But here's what you may not realize: Low Income Housing could be the key to solving all those problems. Rent, mortgage, bills, transportation, companionship, even entertainment can once again become stress-free parts of your life when you live in just the right place. That's why low income housing for seniors is something many of us should take a look at... if you qualify.
Low income housing is a range of housing options - from independent living arrangements to progressively more assisted living. The highest level of low income senior housing is Section 202, designed specifically for seniors.
If you go with Section 202 housing, you'll find yourself in small but comfortable apartments you select yourself, at a price figured against your income so you can afford it.
Let me tell you about my father - he lived in low income senior apartments for a few years and we both loved his apartment.
You can find these low income housing units with a quick Google Search: I entered
"senior hud apartments in roseville, michigan"
-- just change to your location below and see what Google finds for you... probably apartments you've driven by for years, and didn't know they were low income senior apartments!
Section 202 housing fills up fast, and there can be as much as a two-year waiting list for the most desirable places.. so if you think you may want to live there, in the future, don't hesitate to start shopping around today. You can apply, and if housing is available, say "no thank you".. but you can't just walk in and get an apartment at most places.
One more thought -- most of these housing units run credit checks, you need good credit to get into them. If you are losing a home, apply before you walk away, or before your credit goes bad.. or you may not qualify for the low income options!
While your options in your golden years are limited by your health and your wallet, no one should wind up living on the street. There are options for everyone in America if you only look around... we really loved dads low income apartment, and you might find one just as comfortable for you!