Am I ready to live on my own?
Transcription
Am I ready to live on my own?
Am I ready to live on my own? “A third of 16-25 year olds fail in the first year of their tenancy.” This leaflet will help you decide if you have the skills, abilities and attitude needed to make your tenancy a success. Breaking the cycle of youth homelessness in County Durham Follow us on facebook and twitter Contents Page Introduction Page 01 Can I Afford To Have My Own Home ? Example Budget Page 02 Page 03 Lifestyle and Happiness Page 04 Can I Improve My Current Living Situation? Types Of Accommodation Useful Contacts Page 06 Page 07 Page 09 Moving On acknowledges the support of The Rothley Trust with the publication of this booklet. The information in this booklet is, to the best of our knowledge, correct at the time of printing. We accept no responsibility for inaccuracies herein. You are advised to use this book in the first instance and then seek help from Moving On or another agency listed in this booklet. Reality Check - Am I ready to live on my own? Introduction We offer information, advice, support and practical guidance to young people who are homeless or experiencing housing difficulties to help them secure, sustain and survive in appropriate accommodation. We also work to prevent homelessness through our ‘Lifeskills’ and ‘homeless education programmes’. This guide is for young people who are thinking of moving in to their own home. It aims to show some of the realities of living independently and help you to decide if you have the knowledge, skills and abilities needed to maintain a tenancy. It is important to remember that your safety comes first and if staying at home is putting you at risk then you do have options. We don’t cover guidance on emergency accommodation or homelessness in this booklet. If you need more information please contact us using the details on the back of the booklet. Meet the moving on team Reality Check - Am I ready to live on my own? Page 01 Can I Afford To Have My Own Home ? Living on your own is not easy. A third of 16-25 year olds fail in the first year of their tenancy. By carefully considering the issues raised in this booklet before you decide to move out, you are giving yourself the best chance of success. The biggest problem faced by young people living on their own is managing their money. You need to think carefully about whether you can afford to move out as failing in your first tenancy can make it hard to get housed in the future. » If you’re single, aged between 16 and 25 and on benefits you’ll only get Housing Benefit* for the cost of a single room in a shared house, in County Durham this is about £64. The cheapest private rented properties are around £90 per week. » If you get into rent arrears it can be grounds for eviction in Council, Housing Association and private rented properties. » Work out your budget before you decide to move out. We’ve given you an example on the next page. Think about how you can get the most money possible coming in (claiming right benefits, working extra hours etc) and how you can spend as little as possible (buying cheaper brands, being more careful about the little things you buy etc). Your adviser can complete a budgeting exercise with you if you ask them. * Housing Benefit is now known as Local Housing Allowance. Reality Check - Am I ready to live on my own? Page 02 Example Budget For a single person on Job Seekers Allowance aged under 25. Total weekly income: £53.45 This leaves you £9.15 to pay for your phone bill, travel, insurance, socialising, clothes, music, make-up etc. How do you feel about that? If you are working you will also need to pay for: » Rent: About £70 Council/ Housing Association properties, £90+ private landlord » Council Tax: Around £20 per week » Council furniture package: (optional) between £20 and £43 per week Also bear in mind that the amounts listed above are the minimum amounts you would spend. To live off £18 per week for food means buying very basic products and counting every penny when out shopping. In winter your energy bills are likely to be much higher. Some people spend up to £30 a week on gas and still find their homes very cold. Reality Check - Am I ready to live on my own? Page 03 Lifestyle And Happiness Leaving home will always mean a big change in your lifestyle. You need to work out what is important to you and whether you’ll still be able to do it if you move out. Many people do not realise how lonely it can be when they live on their own. Some things to consider: » Are you ready to be responsible for cooking, cleaning, washing your clothes and sorting out repairs for your home? » If you’re into sports, gym, movies, music or anything else, can you afford to keep doing it? Can you still get there? If you can’t, how will you feel and what else could you do to fill in your time and enjoy yourself? Are you willing to give this up to live on your own ? Reality Check - Am I ready to live on my own? Page 04 Lifestyle And Happiness ...continued » Do you suffer from mental health problems? Depression, anxiety, substance misuse and self harm can all be made worse by spending too much time on your own. » Are your family close by for support? » Will your friends be supportive? It can be difficult to stand up to pressure to have parties etc when you have your own place. This can often lead to feeling intimidated, it may also lead to problems with neighbours and possibly eviction. » If your friends are going out and you can’t afford to, how are you going to feel? Reality Check - Am I ready to live on my own? Page 05 Can I Improve My Current Living Situation? We understand that sometimes it can be hard to talk to parents/carers. Mediation can help to break down these barriers and help everyone to understand the point of view of others. Often this can be enough to resolve the problems that made you want to leave home. Mediation can also help even if you do end up leaving home. Having the support of your family can make living on your own a lot easier and you are therefore more likely to succeed in your tenancy. Moving On can arrange for you and your family to access mediation. Ask your adviser for more information. Being prepared for what living on your own involves will give you the best chance of making it a success. Think carefully about all the issues in this leaflet. If you still think you are ready to move out then Moving On can help you along the pathway to independence by: Offering Helping support to you understand help you set up and how to bid for Council Supporting maintain your new properties you in the house tenancy Applying hunting process Helping for grants you learn the skills Helping you will need to live you make independently with our housing/homeless Advocating Lifeskills sessions applications on your behalf Reality Check - Am I ready to live on my own? Page 06 Types Of Accommodation Now you’ve thought about what living on your own might be like, it’s time to consider your housing options. It’s important to think about where you want to live. Many of the easiest houses to get aren’t in the nicest areas. Do your research on things like anti social behaviour and crime levels as these will have a big impact on your happiness and wellbeing. To keep things simple we have used the term Council Housing throughout this booklet. This applies to houses let by Durham City Homes, East Durham Homes and Dale & Valley Homes. In the rest of the county, social housing is provided by: Cestria Community Housing, Derwentside Homes, Teesdale Housing Association and Sedgefield Borough Homes. They are still managed in a similar way but details of rents, furniture packages etc may be different. The Council will prioritise your application depending on your circumstances. If you do not fall in to one of the high priority groups it can take many months or even years to get a house. The rent is more affordable in Council properties and the tenancy is more secure. You can also get a furniture package if you’re in a Council house. If you can claim Housing Benefit it will pay for this too. Remember Council houses do not come with carpets so you will need to think about how you will afford them. Housing Associations such as Three Rivers Housing, Home Housing and Riverside provide affordable houses for rent and prioritise applications based on your circumstances. The tenancy is also more secure than private rented. You cannot apply for a furniture package with these houses so you will need to think about how you will furnish it. Reality Check - Am I ready to live on my own? Page 07 E Types Of Accommodation ...continued If you really need to move out of your family home but you Tdon’t think HINGS O NOTE you are ready for the responsibilities of having your own tenancy youTmay want to consider supported housing. This involves living in a shared house where staff are available to help you learn the skills you need and plan your route to independent living. Unfortunately places are limited and there can be a waiting list. It can be very hard to find affordable private rented accommodation. As a single person it is very unlikely you would get enough Housing Benefit to cover the full rent of even the cheapest private rentals. Complete a benefit calculation at your local Council offices or online at www.durham.gov.uk before you sign any contracts. You then need to think about deposits, admin fees and rent in advance which can add up to over £800. You will also need to think about how you will furnish the house. A private landlord can end your tenancy more easily than the Council and Housing Associations. You do not necessarily need to do anything wrong (e.g. anti social behaviour, rent arrears, damage the property). Most landlords can be trusted but it’s a good idea to get references from other tenants as lack of response to repairs, not giving back deposits and illegal evictions can sometimes be a problem. Reality Check - Am I ready to live on my own? Page 08 Useful Contacts Durham County Council Housing and Homelessness team Durham/Sedgefield/Wear Valley/Teesdale Chester-le-street/Derwentside/Easington Tel: 03000 260 792 Tel: 0191 387 2111 Out of hours Homeless Team - Tel: 01388 722 538 If you need emergency accommodation out of office hours Citizens Advice (Durham City Branch) - Tel: 0191 3842638 Helps people resolve money and other problems. Also provides free advice Web: www.citizensadvice.org.uk Childline - Free confidential helpline for under 18’s Tel: 0800 11 11 11 Web: www.childline.org.uk Frank - Free 24 hours helpline about drugs Tel: 0800 77 66 00 Web: www.talktofrank.com Connexions (now known as One Point) - Tel: 0800328 1197 Provides information and advice to young people aged 13 -19. Web: www.connexions.gov.uk Shelter - Free housing advice helpline Tel: 0808 800 4444 Web: england.shelter.org.uk Welfare Rights - For advice on benefits Tel: 0191 370 8787 Samaritans - Provides confidential emotional support 24/7 Tel: 08457 90 90 90 Durham Police (Non emergency) - Tel: 03456060365 Reality Check - Am I ready to live on my own? Page 09 If you need to have a chat with one of the team about your needs just give us a call and make an appointment. You can also have a look on our website to see where you can meet us in your local community If you need this information in Braille, large print or in any other language please contact us. 2 Red Hill Villas - Durham - DH1 4BA Tel: 0191 383 1559 Email: [email protected] Moving On is at the top of Flass Street through the Miners Hall (N.U.M.) gates, past the front of the hall and up the steps to the first building. Office Hours: Monday to Friday 10am - 4pm www.movingondurham.org.uk Follow us on facebook and twitter We are supported by: Charity No. 1111581. A company limited by guarantee Registered in England No. 5495172