Public Housing gets a hurry up

johnboy 20 April 2007 89

The ABC reports that, with the ALP Left firmly chastised, the ACT Government is going to give public housing tenants earning over $80,000 one year to buy the property or get out.

Personally I’d prefer to see the 25% of income rental just left uncapped, which would let the big earners decide for themselves if they wanted to keep paying thousands in rent. But at least the spectacle of people sleeping on the streets while the lucky wealthy few squat in public subsidised housing is soon to be at an end.

The ACT’s most famous high income (former) occupant of public housing, Deb Foskey, is very angry indeed accusing the Government of being stealth Liberals.


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poetix poetix 8:11 am 15 Dec 11

cleo said :

A single mother, would never get a bank loan, as Miz has said, she is doing the best she can do, raising teenage children, and needs the security for them, and if your nearing 50, forget it, your stuck.

Sorry, is there a reason this just popped up again after more than four years, as if there was never a break in the argument?

Although the earlier parts of the thread make for quite entertaining reading, so thank you.

colourful sydney racing identity colourful sydney racing identity 8:00 am 15 Dec 11

cleo said :

A single mother, would never get a bank loan, as Miz has said, she is doing the best she can do, raising teenage children, and needs the security for them, and if your nearing 50, forget it, your stuck.

GIven that the post was from 4 1/2 years ago, I assume her teenage children are no longer teenagers?

cleo cleo 2:20 am 15 Dec 11

A single mother, would never get a bank loan, as Miz has said, she is doing the best she can do, raising teenage children, and needs the security for them, and if your nearing 50, forget it, your stuck.

nyssa76 nyssa76 5:40 pm 24 Apr 07

BTW Nyssa, the view from my ivory tower is quite nice.

I hope the pigeons have a good target.

seepi seepi 1:37 pm 24 Apr 07

And your nastiness has taught what to whom exactly?

Maelinar Maelinar 12:10 pm 24 Apr 07

I’d rather teach a person to fish, actually.

Spoonfeeding merely creates the welfare economy we are living in right now.

Genie Genie 11:07 am 24 Apr 07

wow you really are a wanker… cant say i ever watch dr phil. I consulted my brain for that information not the internet.

I can see your not the kind of person who enjoys helping people – more ‘i prefer to watch them suffer’ ????

You really do need to get off your high horse.

Maelinar Maelinar 10:34 am 24 Apr 07

If you are looking at a Canberra news thread for that type of information, you should perhaps check out drphil.com

idiots.

BTW Nyssa, the view from my ivory tower is quite nice. Common Sense abounds, and there are no idiots present as they have all just left to check out money management for complete morons websites.

Genie Genie 12:22 am 24 Apr 07

Actually in further advice to what VY gave, you’d be surprised at how much money you would save/get if you:

– Quit smoking or cut back on drinking (ok not in everyone’s case)
– Buy slightly cheaper groceries, do you really need the expensive brand of flour or sugar ??
– If you have children, mainly boys – cut their hair.. its not that hard or expensive to invest in a pair of clippers.
– Get rid of that Gym membership.. seriously how many people ACTUALLY use it after the first few months. Go for walks instead, use bottles filled with water or sand for weights. etc etc.. Spend the gym membership fee on equipment from home (you then save money on petrol from not driving there)
– Is it easier to catch a bus to work ?? Get rid of the second car.. the cost of a bus pass is usually cheaper than the cost of parking, and then you dont have to worry about as much petrol either. (Or Carpool… if you live in a big office block, SOMEONE is bound to live near you. Carpool = less parking and petrol costs = one less car to put up with in peak hour traffic)
– Make your lunch dont buy it… Applies to kids too.. (I remember when i was at school my parents were too busy to make us lunch – we just got handed $5 every day.. that alot of money for 3 kids.)
– always buy in bulk.. why buy 4 rolls of toilet paper, when you can get 12+ for only a few dollars more.. Meat too, its cheaper in bulk – You all own freezers right..
– Have a garage sale, or take stuff to the local trash and treasure.. you’d be surprised what people will buy.. free ads on allclassifieds, free ads on tuesday in the CT’s for items less than $100.

I can go on and on and on… You’d be surprised at how much money you can save if you cut back on several things a week, or just changing some bad habits.. For some people a matter of quitting smoking can be an extra $5000+ in their pockets every year, and not to mention health benefits….

(perhaps Johnboy could start a thread on how people can save money – an extra $10 a week may not help for a downpayment on a house, but could benefit families at X-Mas time or that “rainy day”)

Genie Genie 12:05 am 24 Apr 07

I think you people are missing the whole point of what the Government are trying to do…

The ACT Government feels that anyone earning over $80k per annum doesn’t need their help anymore, they can live on their own perfectly well. They want these people out so they can put the more needy in homes. EVERYBODY in ACT housing got a letter and not everybody HAS to move – but as i pointed out before does someone living alone in a 3 bedroom house be more entitled to it over a family, just coz they have lived there for years. NO they should have to move, they dont own the house they just rent it. Dont believe any actually signs a contract with the Government like you would if you rented privately.
In the case of someone’s disable parent – hate to be mean, but stick em in a home.. they can be looked after better. Even still the small little flat my aunt just got moved too has a panic button installed – pay a fee every month and the button will even be hooked up to the ACT Ambo’s.

If any families earning more than $80k a year cant afford to rent privately or buy a house – they have some serious spending problems, and DEFINATELY dont deserve a handout from the Government.

VY gave excellent advice – but if anyone cant spare some extra pay every week to build up savings, then they too need to rethink their spending habits.. !!!

The ACT Government does also need to assess who they move into their houses – as someone mentioned before druggies and people who just trash the houses dont deserve them. Nor do people who just want to bludge off of Centrelink. If you can get out there and work – get off the god damn dole. I’m currently unemployed and having trouble finding a new job, but i cant get a hand out from the Government coz i have $500 in my bank account – i can supposedly live off of that for a month. Boy am I glad my mother still lets me live at home..

A point i was making before about people paying rent that would be higher than the cost of a mortgage.. Is that YES people CANT afford a downpayment, they struggle to save – which is why they are paying more in rent.. they could easily afford to pay a mortgage off… but not have enough money to get the loan. HOWEVER take the advice of VY – these days $10k is enough to get approved for a house loan.

nyssa76 nyssa76 10:31 pm 23 Apr 07

How do you make it through life being an arsehole? Do you get a great view from your ivory castle?

VY offered miz great advice, as did seepi.

Build a bridge and get over it.

Maelinar Maelinar 7:33 pm 23 Apr 07

How do you people connect to the internet ?

If that was any kind of revelation to you, you really need to go back to school and say you want to have another go at the whole process.

nyssa76 nyssa76 5:46 pm 23 Apr 07

VY excellent advice.

seepi seepi 5:20 pm 23 Apr 07

Miz – I know that feeling of never wanting to move again.

After 3 moves due to the house being sold I bought a house and it was the best thing
I ever did. It was really hard at first, but then the mortgage did start to seem low next to rents as they started to go up.

As the owner you have total security of tenure. I would plan towards buying one day. Otherwise you may be kicked out of your house as an old person, because the govt change the rules, or because your kids have moved out.

Good luck!

VYBerlinaV8 now_with_added grunt VYBerlinaV8 now_with_added grunt 4:15 pm 23 Apr 07

Good call Snahon – there’s really no reason that Govco shouldn’t take advantage of rising property values, especially if the crystallising of additional value is used to improve the service.

Snahons_scv6_berlina Snahons_scv6_berlina 3:44 pm 23 Apr 07

I would think that to ensure maximum value with this type of assistance, that properties owned by housing that are deemed ‘highly valuable’ (ie inner suburbs right now) are sold off so that the money can then be used to purchase other properties in ‘lower valuable’ areas ie outer suburbs.

Sure it may mean that those people who once lived in a ‘highly valuable’ asset have to move but over time housing gets the ability to offer a larger number of houses withouth having to find a larger amount of money.

miz miz 3:35 pm 23 Apr 07

Hey VY, kris and simbo, lots of food for thought there. Thanks.
Especially appreciative of your concrete practical advice VY. Intend to action! Cheers

VYBerlinaV8 now_with_added grunt VYBerlinaV8 now_with_added grunt 2:59 pm 23 Apr 07

“Hey VY, thanks for the sound advice. What you suggest may be do-ablefor me in a year or two, I am still on approx $50K at the mo and they just keep in subtracting HECS! But given an increment or two, a promotion and if my eldest gets a crappy $20K job (too low-paid to be independent) I expect to be pushing the 80K in a couple of years. I will make some inquiries, as you suggest.
It’s pretty galling though that this policy seems to penalise people for being resilient and overcoming stuff. Just when you think you’re getting somewhere, bang. Who’d have thunk the Labor mob would do this? “

Hey Miz,

Given the situation you have described, I would do the following:
1) Set the expectation with your children that when they start working (ie that crappy $20k per year job) that you will need them to help out with rent. It doesn’t have to be huge, but there’s nothing wrong with getting your kid to kick in 30 or 40 bucks a week when they are earning full time. If you hit them up right from the start, it will become habit and they won’t miss it. SAVE THIS MONEY.
2) When you get that next increment or promotion, put aside the extra take home $$ ON PAY DAY into a separate account. You’ve survived without it before, you’ll continue ok. This (together with the $$ your kid will pay in rent to you) is the start of your house deposit.
3) Start chatting to one or more mortgage brokers. Tell them how much per week or month you want to spend on your mortgage (ignore the max borrowing figure they will give you), and get them to work out a total figure based on that. Then go shopping, aiming to spend up to 90% of that figure. You may be surprised what you can find.

Although this is a big hill to climb, once you get started, things won’t seem so bad. Don’t forget that rents will always rise, but once you have a mortgage that figure doesn’t change much, despite everything else (including income) increasing over time.

kris kris 1:46 am 23 Apr 07

Miz – I think you can still get a great social mix of public and private housing in areas where land values are lower (there’s lots of private housing in the suburbs). Especially when holding onto very valuable real estate comes at the expense of being unable to provide housing for people who really need it. Just don’t bunch all the public housing up in one giant suburb….

simbo simbo 11:37 pm 22 Apr 07

I’m happy to apply manners. However, you have to understand – nobody forced you to have three children. That was a choice you, yes, you made.

Given that public housing stock is a limited asset, it has to go to people who are most deserving. And people earning more than $80,000 a year (which counts as a HIGH income) are not deserving. And if you are just making ends meet on that amount of money, there absolutely has to be some form of slack in your income. I can’t possibly believe that you really have no variable expenditure left – I know when I was earning a fair chunk less than that,

Does that necessarily make you a parisite? Well, I don’t know, what term would you prefer we use for people who refuse to stop using a public asset when there are people with far greater demonstrable need for it?

Now, I’ll admit, changing the rules on security of tenure is a bit of a stretch – BUT at the same time, you’ve been getting a fairly long term of secure tenure for much less than most people would pay for it. So you’ve been doing fairly well out of the deal for a while now.

Maybe, just maybe, you need to think about giving something back to the community which has treated you pretty darn well for a while now?

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