May Be Homeless in a Few Weeks

So I’m currently unemployed and my landlord is selling - I have four weeks to get out. I’m finding it terribly hard to get a rental in Melbourne.

Im 34, single and live alone ($400 per week). Most equivalent places are $450 per week.

I have $75k in savings and about $25 in crypto (have lost half since the crash).

This entire ordeal of being kicked out has caused a great deal of stress. I don’t want to go through this again, so I’m considering buying but in FNQ.

Im not really sure what to do - take a place in Melbourne for $450 a week, keep trying at employment and save very small amounts once I get a job or look to move to Cairns with the plan to buy in 6 months once I have a steady job. I can get an apartment for 300k there and with 70K savings the repayments will be pretty decent (much less than $450 weekly rent Melb)

I feel like I’m wasting so much money renting but given I can’t get a loan until employed I’m sorta screwed either way. Im also feeling pressured given I could be homeless in a few weeks and feel like I need to accept anything to avoid that even if that means wasting $$ on rent in Melbourne even though I have no intention of buying here given the prices and being single.

If it wasn’t for my pets I’d probably couch surf but I have a lot of household items too.

Any suggestions - I’ve barely been sleeping. Unfortunately I have no family - my mum died last year and I’m estranged from my dad.


Mod Note:

OP's account has been banned as it was detected as a ghost / duplicate account. They have been instructed to continue their forum conversations using their original (older) Ozbargain account. (John678)

https://www.ozbargain.com.au/user/80094

Comments

    • Thanks. That makes me feel a bit less stressed :)

  • +5

    put it on black, that way you'll either be the richest homeless person out there or a true homeless person.

    this thread is completely ridiculous by the way.

    • In what way?

      • +5

        I think because of your savings, if you tighten your belt you really have years before you got into any real problems. Just browse Flatmates.com and Gumtree for a room. Send them all a message asking if you can take your cats, offer a bit more cash. Search Facebook and Gumtree for pet sitters in case you need the cats minded while you find a perm place, you could easily afford to stay in a hostel for a few weeks if you get caught out. Check out Taxi Box in case you need somewhere quick to put your stuff.

  • +1

    brighter days will come my man. I got nothing for you but brighter days will come.

  • Sorry for your situation. It does sound like even though it’s stressful for you it’s not completely dire. Keep applying for places to rent outright or in a share situation.

    QLD is great, but very different to syd or melb so rent first if you make the move.

    75k will set you up to rent for a while. I bet you’ll have a job in no time if you keep applying.

    • +1

      Thanks :) I guess I’m a bit of a panic merchant.

      Just curious, what kind of rents do single people pay in their 30s?

      • Not sure as I always shared until I was partnered. ‘Affordable’ rent is meant to be 30% or less than gross household income.

  • +6

    Hey mate I know you're going through a lot, so try to focus on 1 thing first.

    The order I'd do it is - accomo 1st, then any job (then corporate job whilst you've landed something), then worry about buying/moving interstate at a later time.

    Go to gumtree and facebook for share accomo. Maybe someone who is cat friendly or who already owns a cat would help. They went as low as $200 for a room, but if you want a bigger room or 50/50 with someone, then your budget definitely permits. They usually don't ask you for your employment status or other BS docs, as long as you pay every week/fortnight it doesn't matter.

    Meanwhile you can either store or sell your bulky items until you find your footing for your own place to rent/buy.

    For quick cash I'd hop onto Airtasker - do anything you fancy from building Ikea furniture for people, doing courier, handyman stuff, odd jobs etc

    • +1

      Thanks. Really appreciate you laying it out like that.

      Do you think it I can snare a rental I should do that, even if it’s a bit more than sharing? Or should my aim just be cheap accommodation for now. I feel a bit odd as I haven’t shared since mid 20s.

      • +5

        I think get whatever you can get - if you can find a sharing place that will accept your cats grab it with both hands. You don't have to live there long term, just until you get a job and can get a place of your own again. If you aren't on the lease in the sharing place that means you have the flexibility to leave when it suits you. Just don't sign a 12 month lease on a place you hate, as you'll be stuck there. I think $400 is extremely reasonable for a place of your own, there are rooms in share houses going for $300 in Canberra.

      • +4

        No dramas mate, happy to help!

        I've definitely had no issues with share rentals, or going 50/50 with a random looking to do the same. Best to search for listings already posting ads that they want to fill in an empty room or half unit, who are ok with cats, instead of posting "looking for room" ad yourself.

        There's no minimum stay with these things unless you sign the Tenancy Agreement. So in that sense you could do this temporarily until you find a place, and move out if you prefer to live on your own. But it's personal preference, and what you're willing to sacrifice / put up with in the short term.

        And age won't matter at all, unless they specify on the ad "this is females house, looking for females only, preferably mind 20's"

      • +2

        Hi, I own but have been letting out a couple of rooms, they have it easy and I want to swap, I make sure all the bills are sorted, cover all the extra chores, worry about repairs and maint and making sure everyone is happy and has room in the fridge, etc. I provide all the appliances and replace if broken, etc etc. All things I'd need to do living on my own. They hang out, sleep, watch TV, work out and go out as much as they want, do minimal chores and have heaps of spare cash. And pay less than if paying a full share of rent. If I didn't have two dogs, I think I'd just rent out my whole house and go and rent a room in someone else's and get to live life like a teenager.

  • +7

    Okay, I live in Cairns.I love it up here.

    Yes, you can buy an apartment for $300k, It will be in a crap part of town. You'll be broken into constantly. The public transport here is nonexistent. You'll need a car. Check out the recent car theft stats up here, it's wild.

    Your insurance will be insane. You electricity will be nuts. My friends (couple + a small baby) are paying $1300 per quarter because: aircon.

    Professional jobs are few and far between. If you like it up here there's plenty of work but it's $55-60k a year hospo etc.

    You'll also be buying at the very top of the market. Houses have shot up in price recently but it won't hold. People will leave, the international tourists are still a way away. Most of the apartments that are coming on to the market right now are worn out ex-residential rentals that need a lot of work and are in old buildings. You won't make any money out of buying if you do.

    If you really like it up here may be look at retraining in something in high demand with high wages. Nursing students at JCU are getting job offers a year from graduation + great money working PT at aged care, hospitals etc. Also potentially cheap to live as a student?

    • +3

      It seems the grass isn't always greener on the other side

  • Find a cheap place near the airport and work at baggage handling. You can find some cheap places for 300pw with electricity and water.

  • +4

    You might want to think about stuff a little differently.
    Getting temp work is very easy. Clerical/admin/finance will get you working straight away if you can show up reliably in business attire and can fog a mirror with your breath. Then keep going with applications for full time work.

    You won’t be homeless any time soon. If you can’t find alternative accommodation, tell you landlord you can’t leave yet just before the time is up. Say you can continue to pay rent if they want. It will take a long time to evict you, typically months. They might decide to continue to collect rent and give you a bit longer. They might decide to evict you. Either way, it isn’t a case that your stuff is on the street next week.

    Yeah, it might make it harder to rent in future, but so what?

    With work in hand, and less urgency about accommodation, make a real plan. Do you want to go to Cairns? If you really do, get a job up there and move.
    If you aren’t sure, maybe get a job in regional VIC and try living somewhere there first, as presumably you have some friends/family for support in VIC if things go bad. I dunno what you want, but having a plan beats thought bubbles.

    Good luck!

  • +2

    I am in some facebook groups about renting rooms, share accommdation etc, even granny flats etc . there you can mention your pet.

  • Where are you living/looking to live? $450/wk seems like it’s inner city. Could you compromise on location?

    • It’s on the cusp on the Yarra valley. So nearly an hour from the city.

      • +3

        What does the place offer? A stand-alone house/unit/apartment? How many bedrooms?

        $450 sounds like a lot for one person. For $300 you can get a 2 bedroom flat in Coburg

      • +3

        $450 is heaps for rent and there be cheaper rent in other suburbs thats probably even closer to the city

        If you are struggling to find work i would look at joining job agencies as well. I lost my job few years back and i started a role through an agency which was prob below my skill level but it was to get my foot in the door. I did the role for a few months, they loved the work i did and i was able to get a full time job within the company in a role that i was happy with. Theres alot of agencies out there that do corporate type roles.
        The recruitment agency i joined back then which i found great was Hassett

        good luck

  • Here are my suggestions Rocksteady99:
    1) You mentioned your pets (plural). Is it possible for you to find a loving home for some of your pets, and only keep one (or 2 max)? Reason being:
    2) Your rental accommodation. Could you potentially bend the rules slightly… by finding a studio ($200 or $250?) instead of a unit ($400 or $450 according to your comments) and simply not telling them about the pets.
    3) shared accommodation. I'm assuming that you are female (apologies if I'm wrong) and as such you should use common sense in this area.

    Then onto job seeking:
    1) you need to find someone who can support you in developing your job applications. Could be as simple as someone in an agency who will do this for free.
    2) Be persistent and send lots of applications. But make sure that you read and understand the job requirements… if you send off generic applications they will get nowhere. Personalise them to the job….and once you've sent them, make a phone call, speak to the company and show some interest!!
    3) good luck ! Don't feel disheartened by rejections… just keep swimming!

    edit - just noticed that you created your account 3 hours ago… I'm assuming that your questions are genuine and l and I won't read my suggestions in a Murdoch media article in coming weeks… lol

    • +5

      Why is everyone suggesting giving up the cats? OP is single. When you're single the cats are family, not pets.

      • +1

        because it may come down to a choice between giving the cats a nice home while you find a house for yourself (and hopefully them)i or having to use them as hotwater bottles on the street as they severely limit your short term choices for accommodation. The saving grace here is the savings, with that amount you can offer to pay extra and upfront to secure a shared property or place.

      • +1

        This is the OP, I had to use my original account. The cats are my family. They keep me going.

  • -1

    You may have enough to buy a storage unit, which , can be resold at any time

  • +2

    You should seriously consider selling your crypto while it's still worth 25k.

  • +5

    Go on dates… find a partner with a house. Move in.

  • +1

    Go find a room share place around the universities for like $100-150 a week and save your money. Bear with it for a while.

  • Hey mate, as someone suggested, in the worst case, you could look out for an airbnb. There would be places that lets you have some private space and are pet friendly. You probably would be able to find out options that are cheaper than your current space. All the best. And I gotta say that you have impressive savings. I don't even have 1/3rd of that.

  • +4

    The last 12 months has been really depressing.
    - Lockdowns (it was only meant to be for 2 weeks!)
    - covid deaths (of someone you know or who are close to you)
    - No job security (& more work due to staff shortage)
    - Stock market (crying)
    - Crypto (crying even more)
    - Mortgage (omg interest rate went up how much? Didn't they promise no rate increase until 2024??)
    - Inflation (everything is up 10%, food is so expensive)
    - Floods
    - Road tolls
    - Petrol
    - Bills!

    Anything good happen in the last 12 months?

    You are not alone, it's been very depressing for many people… but look at the bright side, you have a lot of savings and you don't have kids and spouse who depend on your income.

    I think I will now go and hide under a rock.

  • +10

    Biggest clickbait title bro. You belong on Youtube

  • +17

    I have no job but can get jobseeker
    I got lots of savings
    I got no income but I cant compromise on $450 a week rental cos $250 studio is below me
    I am too old for hospo at 34 while there are people in their 50s or 60s doing manual labour/ cleaning jobs
    I wont sell my crypto 'investment' cos it might bounce back one day

    Get a grip mate

    If this isn't entitlement I dont know what is

    • +1

      Perfect election "battler" material except he's a couple of months late to the party :P

      Not to downplay the stress but compared to others who actually burnt through their savings through COVID and took whatever jobs they could find to support themselves and their family, OP is in a far less desperate state.

      If the ordeal was genuinely that $50 a week sounds like a deal by comparison given those savings. Massively round down the savings to $50,000 that's still 1000 weeks for that difference to eat up the savings.

    • -6

      You’re not offering a solution?

      • +8

        Second line from the bottom:

        Get a grip mate

      • +1

        You already have solutions. You're choosing to panic because you feel stuck and don't wanna give up anything. Lots pf solutions have already been given. There's no 1 perfect answer though.

  • +4

    If you can't find a job now, that only means you just don't wanna work.

    Australia's current manpower shortage is at historical levels, I'm getting constant text messages and emails seeking employees, labourers, etc. They aren't spam and they sound so desperate. At least work casually or part time to make your essential expenses to be covered.

    • What text service you on that spams job offer text messages? :O

      That's pretty dope

      • Yeah I get them too. No idea where from though.

  • +7

    Australia: such a wealth country that a homeless person can have 100,000 dollars in his savings. Lol.

    Edit: fun fact this money makes you richer than the 98 percent of the world. Lol.

    • -5

      Isn’t it more indicative on the current housing crisis if anything?

  • +5

    Lol the title is so misleading NGL

    • +3

      Props to everyone above, some solid advice there

  • +3

    Rent a room. You don't necessarily need a whole house

  • With regard to your job hunt, find some recruiters that specialise in the industry/roles you are after and reach out to them. Due to the tight labour market, more and more companies are using recruiters to hire. Also look at remote jobs as well. If you are considering FNQ, contact recruiters up there. You might be able to secure a role prior to moving.

    If you’re looking for comms/PR roles, make sure there is not a single grammatical or spelling error in your CV.

    All the best getting your accommodation sorted too.

  • +2

    Nobody is lending you $300k no matter what your savings are if you dont have a job.

  • +1

    Move now to save paying moving costs twice.
    No reason to stay if it’s not in your long term plan.

    • Fair point.

      • If you apply for those corpo jobs in other states and areas you like to move to, could get a virtual interview and job offer before you move out. Your current area clearly isn't open to your willingness, if those other states want you, let them, they might even help you move!

  • -2

    You have plenty of savings to live off, why worry

    • +5

      Because living off the savings will turn it from "plenty of savings" to pitiful savings.

  • +3

    I'd be very surprised if you handed your resume into 10 x retail stores at a major shopping centre or shopping strip and don't get job offers from at least 2 x retailers. There are shop front signages seeking to hire at many places.

  • Move all your stuff into storage and apply for some farm work where you can live on site with the owners and not to have to pay rent. It would be a great experience.

    • +1

      As someone who has worked on farms, it will not be a great experience.

  • +1

    Your best bet is to make a profile on LinkedIn and look for WFH jobs - there's a whole bunch of those. Also, the added benefit to LinkedIn is recruiters will swarm you so, take up whatever offer they have.

    As for buying a place, banks are only really offering mortgages based on 6x annual income. So, if you have no income, they're not going to be happy.

    As for accommodation, apartments are enough for the cats. Any larger than 2br and you're competing with dual income earners.

    Hope things work out for you!

  • +2

    Well done OP for trying to get some direction BEFORE you are in trouble. Most posters here sound like they’d prefer you to burn through your savings and then ask for help.

    $100k is a decent savings buffer but without an income or accommodation it doesn’t go all that far, however, saying you’ll be homeless is a bit dramatic.

    Just decide on your work/location priorities and then work towards what you want.

  • You might not want to, but find a solution for your pets. A friend that can cat sit while you get set up, or a pet hotel thing whatever they're called these days, or a reliable petsitter of some sort.

    Once the pets are sorted, figure out what you're doing with your stuff, load it up in a rental truck you could hire it for a few days while you sort it out if you don't have anything, but storage units don't take long to hire. Might be easier if you're not sure where you're staying.

    Once your stuff is sorted, spend a couple of nights in a decent hotel to relax for a bit (optional). Then couch surf or stay in a hostel or cheapish hotel while you find a permanent place to rent. Look in outer western suburbs if you want cheaper options for renting.

    Edit: agree with above if you are sure you're moving to FNQ, might as well do all of this there. Or leave pets in a pet hotel thing here and fly down to pick them up later. But yeah, might as well move your stuff now and look up there. Just be aware there may be a rental crisis up there. I'm sure I saw something about a family camping because there were no rentals somewhere up there.

  • +3

    FNQ > anywhere south of. DO IT!!! If I wasn’t tied up here with kids (and late wife’s family) I would be in Broome or north of Townsville. Darwin even. Southern states suck annuüs

  • +2

    It feels like you're planning a major move to sort a current/short term issue which is your housing.
    You won't be able to get a mortgage with no job and you'd need to wait for settlement anyway which is commonly 2-3 months.

    It sucks what you're going through OP.
    One tip which a colleague used to secure a place is he offered 12 months rent upfront. I doubt many could or would do it but you certainly could!

  • +1

    Difficult days but at least you have some savings. Not sure where in Melbourne you are looking, but plenty of huge houses in the west for around $330pw next to the railway stations and plenty of smaller cheaper places or to share.

  • drive imoova vans around for a month

  • +3

    yeah i dont understand why he keep worrying about homeless? should he worry more about unemployed? no one will be homeless with 75k saving! use the saving. that is the purpose of having a saving. if you worry about the saving then find a job quickly.. problem solved.

    the real problem is someone without a job! i dont believe someone cannot find a job, any job.
    dream job, yeah 99.99% of us cannnot.
    but any job, 99.99% can! you want or not that is the question.

    he maybe doesnt want to do labour jobs, but also dont want to using his saving. and instead focusing on getting ANY job, he is now thinking to buy a property….WOW… really?
    after that, maybe posting a thread how to buy a car? and then a good home theatre system ? while worrying his saving will not be enough for long…. and how difficult to find a job…

  • +2

    i would rent a room somewhere short term until you have a job then look for a rental. it should be a lot cheaper and easier on your savings if you find a room.
    you just need a place to sleep, eat and shower while you look for work.

  • I live in Nth Qld and have been to Melbourne on holiday. I love Nth Qld and would never live anywhere else BUT even being born and bred here I sometimes find summer a challenge. The heat and humidity midsummer can be horrendous and totally different to a hot midsummer's day in Victoria. There is a reason people go "troppo" in the tropics. Before any big move I really suggest coming here mid December or January for a few weeks just to see if you can handle it. The really good part is roughly one week of winter where the temp gets to be about 23C during the day where we all dust off our winter woolies and Ugg boots and shiver much to the amusement of the southern tourists.

    The rental crisis is just as bad up north as it is down there although work is pretty good only problem is places can't find workers because the workers have nowhere to live. Obviously you can buy but getting a loan might be a problem if you are unemployed and then again to my first comment you would want to be certain you can handle the tropics because as much as I love the tropics they are not for everyone.

    • I’ve only hosted FNQ during summer and the humidity is fine. Makes me feel I am in the tropics.

  • Be a rich bum

  • Airbnb. Enquire for a short stay and mention a possible long stay to be confirmed once you have seen the place, then negotiate privately for a longer one at a better rate and they avoid the commission. Search for long stay options at reasonable rates.

    This works even with cats.

  • Hang in there OP. Like many have said, it sounds like you have a decent safety net in savings and you have some choices to make - and having choices is much better than not.

    Your aim to move to FNQ seems to be purely driven by housing costs, that's important but relocating is more than just a roof over your head. There's a lot that goes on setting yourself up at a new place and simple comforts like just knowing where to find a cheap meal won't be there at the beginning. If you find that you are stressing now, you'll need to be prepared for more if you decide to move. Good luck!

  • -3

    If you can't get a job in Melbourne do not even think of getting a job in Cairns.
    There are 10.s of thousands arriving every week just like you.
    One example: Healthcare. They promise good money but in the end since we had a fed gov change the arrivals get a very rough treatment. I got a partner in the house who has been a very passionate carer. But now she got the book thrown at her for being working too hard. Less pay and severe harassment!
    NSW country is booming. QLD country is the doldrums and a crime wasteland. Of course if you have a large circle of criminal friends you will find QLD ideal!

  • +1

    Explore other options , Adelaide is reasonably prices for housing , and you should land a job there, Australia is a big place with lots of opportunities, lots of regional towns are screaming out for workers , and house prices are generally good, maybe go visit a few places , you have the money to invest in trying to find a new beginning, my sister did that a few years ago , and ended up in Gympie, she found a job , and has never been happier. Good luck and go for it

  • +7

    harden the f up and stop being a victim……get a better job, dip into your savings in the short term. You sound entitled. Forget about buying a house for 300k - this isn't 1995 and mum still packs your lunch everyday.

    • +1

      Yeah losing this job will be the best thing that will happen to you. Sometimes you need a forced change.

    • +1

      Savage.

  • +2

    OP, I don't really get you?

    You have considerable savings and also a good previous career. You're a far cry from what I originally expected when people make these sort of posts.

    I also don't understand why you'd want to magically move to FNQ from VIC either when it's easier to find work right where you are? It's so drastic? Your reasoning is cheapest living and housing costs but how you've written your post is coming from a place of desperation than actually wanting to move there.

    Everyone else has given great advice already so all I will say is that you already have the means to get yourself out of this situation.

    • I’ve always enjoyed it up there and I have no family keeping me here.

  • +5

    May Be Homeless in a Few Weeks

    Crap, Get your priorities right. Being homeless isn't a degree.

    If you want a house for yourself and your pets along with you, then pay whatever rent you are supposed to pay. Meanwhile, search for a job. Your savings will last at least 2 years with unemployment benefits.

    Otherwise, go to flatshare, give your pets to someone, search for a job, get a deposit for a house, and buy a house, and then you can get your pets back. That's the winning attitude.

  • +4

    I don't get it. You're nowhere near homelessness and you can easily afford higher rent if need be.

    You're in a great position financially, you just need to figure out your mental game as it's clearly in a bad spot and doesn't reflect reality.

    • I can afford it but I’m not being accepted. I can’t just walk up to a rental and be like give me this!

      • Get a sharehouse first so you have a roof over your head, then get a job, then you'll be able to apply and be accepted into a rental of your own.

      • +2

        Have you offered them a few months rent in advance and included your bank balance?

        One time the RE was cockblocking our application because they wanted to keep collecting our rent money while the house was up for sale. We moved out anyway (stayed with a relative) with our cats and then we found a place and offered a few months rent in advance and a higher rent than what they were asking and they accepted. We both had jobs though.

        Maybe you should offer the whole lease term in advance? And promise them you’ll find a job.

  • +1

    everywhere i go, all shops, restaurants, etc are posting vacancies paper on the front… also on the tv: business owners, farmers are begging for staffs, australia post, amazon, all saying short of staff, delay this delay that…….. that is since the lockdown….
    anyone else surprise that someone CANNOT find a job?

    • -1

      I will pay you to get me a job.

      • wow….. good luck mate. im out

        • +2

          This guy seems to live in an AR.

      • +3

        Or you could get yourself a job, and then someone else will pay you. Amazing right?

      • There are job agencies who get paid when they find you a job.

  • +1

    I moved to FNQ 12 months ago, not so much due to finances but for lifestyle. I have found Melbourne in recent years to not be conducive with good mental health, for obvious reasons. Since making the move ive never been happier and have no desire to ever return.

    • Good to know.

    • How did you go getting a rental.

      • Just seen this. Been living in a campervan

  • +4

    Mate. Get a grip. You are totally fine. You just aren't willing to compromise and accept your current circumstances.

    • -2

      How am I totally fine? Most people would fall back on to their parents house. I don’t have that luxury.

      • +7

        You are 34 and a grown up with 2 pages of helpfull answers. There are many thousands of people in the same or worse situations your problem is normal and you either need to work harder to get the solution you want or compromise. No, most 34 year olds don't run home when they need to move house. There are many with no family in Aust.

        • +1

          People are becoming homeless in SA, huge rental shortage.

          I would say no job, and losing your rental is extremely stressful.

          People are giving up their pets here because landlords say no pets.

          Rscpa in SA can't cope with the amount of dogs, it's so bad.

          • +1

            @[Deactivated]: Yet I am told I won't find a tenant for my $250 a week unit in Sydney.

            • +1

              @tonka: Not sure why it's so bad in South Australia.

              A lot of people move back here during Covid, and a lot of people that are building with delays probably doubled than usual.

      • +7

        Most people would fall back on to their parents house.

        I'm going to be blunt here… . but you seem to be feeling sorry for yourself because of this.

        Do you have close friends or anything that you rely on? What everyone is saying is that you're not the in the worst scenario. There are many others in your situation that have no home and no money. You still have a stack of cash to fall back on and you can easily NOT be homeless IF YOU CHOOSE TO. But if you're going to be stubborn and not willing to be flexible in the way you think and do things, then maybe you do need to be homeless for a while to learn a lesson the hard way.

      • +1

        Go get a smaller rental apartment. Go get any job that will pay you any wage. We have a very good minimum wage.

        No one is telling you should stay there forever. But plenty of casual jobs to work for a few months while you get back on your feet.

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