How to Avoid Homelessness

How to Avoid Homelessness

Most of the consequences we face in life derive from the choices we make and the choices we make could be influenced by our levels of education and our levels of awareness of the world around us more especially the economic world that we live in.

Currently our economic system is based on survival of the fittest. It does not take into account the fact that we are not all born equal. For instance some of us are weak, lazy, poor, ignorant, foolish, stupid, challenged, dull and sick. We cannot compete favorably with the wise, the deceitful, the rich, the cunning, the strong, the ambitious and the greedy?

Given that you were born into such a system would you just let go and let the system use you or find out a way to use the system and live happily in it? If your birth means anything to you, you must find a way to live well in the system irrespective of your position or birth circumstances. Here are some of the ways that could help you to live well in the system:

Have a Good Education
Many advertisers on Youtube downplay the importance of education because they want to sell their courses but make no mistake about the relevance of education at any time on this planet. For instance a good education could improve your confidence, empower you, develop your mind, build your character and give you the skills you need to compete favorably in the world. For the most part living in this world requires that you have something to give to your fellow creatures. If you can teach, counsel, act, sing, dance, paint, draw, farm, fish, program, manufacture or have any skill that others need or want you can live well in this world.

Update Your Homeowner’s Insurance
A standard homeowner’s policy covers some natural disasters like tornadoes but make sure your policy covers all potential perils to your property.

Have 12 Month’s Rent or Mortgage in Savings
This essentially insures against your inability to pay your rent or mortgage for 12 months if you lose your job or means of livelihood.

Know the History of your Neighborhood
Find out about the history of your neighborhood for the last 100 years. Where there any major natural disasters?

Live Below your Income
This helps you to have more money in your savings account and save at least 20% of your net income every month. It all depends on your income and your standard of living. If you have the means to save more please do so because it is better to have more money if you lose your means of livelihood than little money.

Get out of Debt
Keep the most important debts like housing and automobile and liquidate all other debts. Pay off your credit card balance at the end of each billing cycle. You may also consider driving a used car that you can buy cash instead of buying a brand new car that keeps you in debt. You know your particular situation and if you think that you’ll be fine if you lose your means of livelihood go ahead and buy the new vehicle.

Sell Your House Before it is Foreclosed
If you lose your means of livelihood consider selling your house right away. Do not hope to get another job because it might not happen. I know some states might help you to keep your property during your period of unemployment but it is up to you to decide if you want to be in control or be controlled. You know your particular situation.

Move into a Cheaper Rental Property
If you rent an apartment and lose your source of income consider moving to a cheaper place before you are evicted. This could be just a room in a house that could cut down your rent by half. Jane had such a change when she was living in Fairfield, California in the nineties. However, it was not because of a loss of income; instead she wanted to move back to Oregon State University, Corvallis to complete her graduate degree. At the time she was living in a one bedroom apartment and was unable to save enough money to rent a U-Hall and move to Corvallis. An idea later occurred to her to move into a room in a house which she did. That move saved her about $100 a month and with the savings she was able to move back to Corvallis to write and defend her dissertation. Thus making little sacrifices in your life could change your life for the best.

Have a Second Job
If you have free time after work or during the weekend you may consider having a second job or become a consultant in your field if you have debts. A second job might pay for the automobile or even your mortgage. The plan is to become debt free and a second job could as well do that for you.

Learn a New Skill & Make Money
Knowledge is power and you can always learn new skills and improve your finances. You may choose from computer programming, public speaking, yoga, bookkeeping, photography, teaching, video editing, singing, translation, massage therapy, financial planning, plumbing, paralegal, interior design, graphic design,  life coaching, coding, writing, blogging, web design, digital marketing, email marketing and social media marketing. If you have time invest in learning a new skill and get out of debt.

Capitalize on your Hobby
Do you have a hobby? If you do find out how you can make money with it and liquidate your debts. It is safer to be out of debt now than later.

Start a YouTube or TikTok Channel
YouTube and TikTok are making many people rich and you can also share your experiences, your song, your dance, your drawing, your painting, your acting skills, your cooking skills, your teaching skills or your gaming skills. According to the YouTube Creators Academy the most popular YouTube Video Topics include:  Entertainment, Food, Gaming, Beauty and Fashion, Music, Sports, Science and Technology, Travel. According to the TikTok website the most popular topics include comedy, gaming, food, dance, beauty, animals and sports.

UNISM is Tax Exempt Under Section 501(c) (3) in the United States. Homelessness complicates life in general but we can help ease their challenges by giving them food, water and blankets that puts smiles on their faces. Thank you for your donation. You may contact us at UNISM, 10746 SE Highway 212, Clackamas, OR 97015. Phone: 503-309-00