Need Help Paying Rent Until Payday

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This week’s issue revolves around rental assistance.  A Redditor has problems paying rent. Listen to their story.

I was let go from my job back in February and have been on the hunt for a new one since. Been able to keep myself afloat with what little I had in savings and by selling possessions but now I’m running low. Credit cards are maxed from trying to survive covid, so unfortunately I can’t go off those and my credit is pretty shot because of it.

I finally did get a nice job, however it takes them a long while to get payroll going and so I will not be getting paid until the 7th of June. I’ve tried reaching out to local charities for rental assistance and still have been selling off stuff but I’m still needing about $450 to cover just my rent.

It has been a rough few months and I’m glad to be finally close to a new start but I need a little help getting there.

We are sorry to hear about the tough situation you’ve been through. It’s great that you have a new job lined up, and it sounds like you’re close to turning things around. Here are some steps you can take to try and cover your rent until your first payday:

1. Seek Help from Local Charities and Churches

You mentioned you’ve already reached out to local charities, but sometimes persistence pays off. Try contacting multiple organizations, as different ones have different resources and criteria. Local churches often have emergency funds or can direct you to places that do.

2. Utilize Community Assistance Programs

Many communities have programs specifically for emergency rental assistance. Look into local government websites or call local housing authorities to find more options.

3. Ask Friends or Family for a Loan

While it can be difficult, reaching out to friends or family for a short-term loan might be an option. Explain your situation and your plan to repay once you get your paycheck.

4. Consider a Payday Advance

Some companies offer paycheck advances or salary loans for employees in your situation. Though these often come with high fees, it might be worth it for a one-time emergency.

5. Take on Gig Work

In the interim, consider picking up some gig work. Platforms like Uber, Lyft, DoorDash, or TaskRabbit can provide quick cash. Even a few days of gig work could help bridge the gap.

6. Discuss Your Situation Openly

Talk to your landlord about your situation. Explain that you have a job starting soon and will have the funds to cover rent on the 7th of June. They might be willing to work out a payment plan or give you a short extension given your circumstances.

7. Use Crowdfunding

If you’re comfortable with it, setting up a crowdfunding campaign on platforms like GoFundMe can sometimes yield surprising support. Explain your situation honestly, and share the campaign with your social networks.

8. Continue Selling Unneeded Items

Keep selling items you don’t need. Utilize online marketplaces like Facebook Marketplace, Craigslist, or eBay to reach a wider audience.

9. Create a Strict Budget

Make sure to budget very carefully. Cut any non-essential expenses to stretch what funds you do have. Every little bit saved can go towards covering your rent.

10. Seek Financial Counseling

Sometimes, a professional can provide advice or resources you might not be aware of. Nonprofits like the National Foundation for Credit Counseling offer free or low-cost services.

11. Take Care of Your Mental Health

It’s understandable to feel overwhelmed. Try to take breaks, practice mindfulness, or reach out to a mental health professional if things feel too heavy. Staying mentally healthy is crucial during stressful times.

You’re on the cusp of a new beginning with your job starting soon, and it’s commendable how you’ve managed thus far. Utilizing a combination of these strategies can hopefully help you get through this final stretch. Stay strong, and good luck.

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Sabrina is a former campaign manager who has decided to focus her effort to help people contact senators and get help. She leads our Editorial Team with Ronald and Lawrence to curate content and resources that help us navigate the system.

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