What to Do When You Have Problems Paying Rent

A situation has occurred in your life that has left you almost penniless. You thought by the time rent was due you would be able to pay it, but unfortunately you don't have the money. What do you do when you can't pay the rent?

The biggest mistake apartment renters make when they are in this position is to not let the apartment manager know as soon as it happens. Waiting until days before the rent is due will only add more misery to your situation. Apartment managers need time to accommodate you and if they don't have the time, it makes it even harder for you to get what you want. The time they need is important depending on what they are willing to negotiate with you. They may want to advertise the apartment, move someone else in who may be on a waiting list or any number of other reasons. There are also company policies for when a tenant gives notice to move out.

Let's say you found out your job will be dismissing employees in March, and you may be one of the people they let go, besides looking for a job, you should be checking your lease. Somewhere in your rental contract should be information on what will happen if you can't pay your rent or if it is late.

Some rental agreements may allow you to be dismissed from the contract if you receive a new job 100 miles away, have to leave due to military duties or if the primary lease holder leaves the apartment. Know what your lease says, before you visit the manager's office. Also, check to see what are the penalties if you are late with rent? Not paying on time might lead to a negative on your credit report, late fees and even an eviction. Find out how much more you will have to pay each day that it is late. How long do you have to pay the balance? Can you arrange a payment plan with management? Be prepared to discuss these questions with the apartment manager as soon as you know you can't pay the rent.

Don't pay rent and late fees with a bounced check. Some landlords will waive (forgive) the late fee if there is a good reason for the rent being late, and if you are a responsible tenant. Paying the rent with a check knowing you have no money in the bank will cause more problems for you. A dishonored or bounced check is charged to the landlord; therefore, he or she will pass on a service charge to you. However, he or she cannot charge you a returned check fee if it is not stated in the lease agreement.

Partial rent payment may be acceptable. You may consider paying part of the rent; yet if you choose to do this, your landlord may accept it and still give you an eviction notice. If the landlord is willing to accept partial rent and provide you with extra time to pay the balance, be sure your agreement is in writing. The written agreement should state the amount of rent you paid, the date due when the rest of the money should be paid, the amount of any late fees, and the landlord's agreement not to evict you if you pay the amount due by that date. Both of you should sign the agreement. This type of agreement is legally binding.

Security deposit can't be used for payment. If you are thinking of using your security deposit to pay the rent, think again. The landlord will not use your security deposit to pay the rent since the deposit is used for damages and repairs to the apartment. Check your lease agreement for details.

Subleasing may be forbidden. Some renters will attempt to move someone else in the suite, not a good idea. Review your lease on subleasing. Most contracts do not allow you to sublet an apartment. Since most companies will do background checks on whose moving in their apartment community, the person you are considering to move in the apartment will have to be checked, their income must be verified and all parties moving in must sign the lease contract just as you did. If management should find out this is what you have done, your relative or friend will be evicted immediately. Your credit rating will be negatively affected and you may have to undergo an appearance in court resulting in more fees to pay. This arrangement is simply not worth it!

Move out notice. If you should decide to move out, whether your lease is for a year or month to month, know you must give proper notice. You will not be released from either type of contract if you are planning to move out without giving proper notice. The notice should be at least 30 days before you move. Some apartment managers may allow you to end your term early if they can rent out your apartment quickly given the nature of your problem. Some landlords may end a tenancy early and give you a 30 or 60 day notice if you have lived in the rental unit less than a year, the landlord has contracted to sell the rental unit, or other reasons you will have to check with your state's department of consumer affairs office.

Once you have made an arrangement with the landlord to move out, you will have to be sure the entire apartment is clean in order to receive your security deposit. However, the landlord may keep it, so be sure you ask whether moving out early will affect receiving your security deposit. If it doesn't and you are still entitled to get it, be sure all nail holes in walls are filled, damages repaired, leaks are reported to maintenance and appliances work, light bulbs are not blown out in fixtures, and the carpet is cleaned professionally with a receipt of proof given to the management. If you are planning to use the deposit for another apartment, consider this, your security deposit will not come to you the same day you move out you will have to wait at least a month before it is returned to you.

In summary, your best option when you know you can't pay the rent is to review the lease, know the tenant's rights in your state, and notify the landlord as soon as it happens and hopefully he or she will be able to accept a payment arrangement or allow you to break your lease without penalty.

By N. McGuire

Apartment Move Gone Wrong, So Now the Nit-Picking Begins

Something happened between the move-in and the emotional leasing office visit that has caused a resident to want to leave what use to be his or her comfortable living space.  But it won't be as easy as he or she might think, a lease was signed.

Stuff happens, people buy things, don't like them and now they want to take them back to the store.  When it comes to apartment shopping, there is no refund policy.  If a tenant didn't take the time to read his or her lease, then he or she just might be disappointed.

Sometimes people move into apartments only to discover that they can't tolerate a certain sound, don't like the people who live next to them, or notice something annoying about the place, but these reasons will not get one out of his or her lease.  The nit-picking will start when a disgruntled resident doesn't feel like the leasing staff is being most accommodating despite every effort being made to bring comfort other than letting the tenant out of the lease.

If you or someone you know seems to be acting badly about his or her rental situation:

1.  Read and re-read the lease and all other documents.

2.  Attempt to get a mediator involved (visit a local housing rights office).

3.  Find out if the lease can be broken if you or the landlord is able to rent it to someone else.

4.  Report to maintenance any items that are not working or request those things be replaced that continue to cause problems.

5.  Note the things you find wrong about the apartment and take pictures.

6.  Check for alternative housing and provide a written notice you would like to end your contract.

Nicholl McGuire also maintains a blog on home organizing, click here.

 

Got a New Job? Want Out of Your Lease?

You signed an apartment lease contract that won't make it easy for you to break it without paying out some substantial money. Losing money is the bad news, but knowing that there is a way to get out of the contract is the good news! Depending on what the contract says, how fast management can get someone in the unit, and how reasonable you are through the process, may get you out of some fees.

There are those contracts that may allow you to break your lease if you should get employment hundreds of miles away or outside of the state. Other contracts will outline the penalty for breaking a lease early. Whatever the contract says, consider working with management. Maybe a future resident will need to come to your home to view the place while you are still there, give permission to enter. Management may have noticed some problems in your unit that may need to be addressed by you, roll up your sleeves. Whatever the issue about your apartment, keep in mind that: you need to terminate your lease and management needs to rent your unit. Think about how you can offer your assistance. Who knows, your place may be rented before you leave?

Nicholl McGuire

Dreams of Moving Out of a Shared Residence? Be Prepared for What Might Be Ahead

So you just can't stand living with someone any longer?  Hopefully your name isn't on the lease, but if it is, you just might have to remain at the dwelling until the lease is up or live elsewhere.  Whatever you might choose, be sure you give the landlord a sixty-day notice.  Let he or she know you have no plans of remaining in the unit and do not want to renew your lease with the individual.

If you should avoid handling your desire to leave in a professional manner, you run the risk of ruining your credit if you should bail out without notice.  You will also make matters worse for you if you skip out without letting your roommate(s) know and leave a partner or others with your portion of the rent.

You can make your dream of moving a reality if there has been domestic violence.  File a restraining order or protection from abuse with your local police department.  Share a copy of the notice with your landlord and let him or her know you have been advised to leave the residence.  Explain to them you don't want to draw anymore negative attention to the community as a result and if he or she could begin looking for other potential renters.  The landlord might work with you depending on how bad your situation and whether or not you were a good resident.  The landlord might work with your roommate since you no longer want to be on the lease.  Whatever you do, don't return because the next time it won't be so easy to be let out of the lease.

Plan to save money if you really want to move and if you can obtain additional income streams to help with the rent, utilities, and more.  For your new place, you will need a security deposit, first and possibly second month's rent depending on your credit score and other factors.  You might still need a co-signer if your credit is poor, you don't have sufficient credit history or other challenges.  Check your credit before you go apartment shopping and obtain a copy if need be.  Most property companies will perform their own background and credit checks and also private landlords, but it can be helpful to have your information readily available along with a check or money order to hold the place.

Now if you plan on taking items out of the shared residence that you didn't pay for or can't prove that you own, don't be surprised if your roommate(s) might sue you in the future long after you have left.  Other things to consider:

1)  Your friendship might come to a swift end because you are no longer helping.
2)  Someone who you think you know well might be triggered emotionally due to your absence and may stalk you or obsess about you living with him or her again.
3)  Your credit might be negatively impacted by a scorned roommate if he or she has been using your credit cards or has access to your banking information.
4)  People in support of your roommate might treat you rudely depending on what he or she has said to them about you.
5)  If you don't safeguard or obtain everything you care about much before you announce your move, you might not see those things ever again.  So be discreet and remove all important things out beforehand.
6)  You may have to involve law enforcement if a partner/roommate is acting threatening or has become violent with you.
7)  You might find yourself moving sooner rather than later based on how difficult your partner/friend is behaving.

So think about who might help you get a new place if you can't do it on your own and don't even consider your scorned roommate unless you want similar problems in the future.  If you are having a tough time with a partner or others living in the dwelling, whatever you do don't leave your future location you plan to move within view.  Erase internet history and put away rental catalogs.  You don't need your old problems following you to your new residence.

Stay positive during this tough time and continue to online and offline apartment window shop until you are ready to make the move.  Think of the amenities you will enjoy in the future, what you might buy to decorate your new place, and other things that make you happy.  Envision yourself in your new residence without those you no longer want to live with and take a deep sigh knowing that peace won't be long now!

Nicholl McGuire is the author of What Else Can I Do on the Internet?

10 Tips on Tidying Up Apartment for Inspection

Most apartment communities have an annual apartment inspection.  During this time it is important to be sure that you are following the terms of your lease agreement.  Otherwise, you might find your self having to pay for current damages, later lose your security deposit or worse sued or evicted.  So be sure you take a look at your lease prior to the inspection and make adjustments where necessary.

1) Carpet Cleaning

It isn’t a big deal to have your carpet cleaned prior to an inspection unless it is hideous and smells foul due to pets.  Some property management companies might offer carpet cleaning to residents who renew their leases earlier.  Do ask what specials are provided if you plan to stay another year.

2) Window Treatments

If the curtains are uniform with the outer appearance and/or blinds that were already installed in the apartment prior to move-in have not been removed typically there is nothing to be concerned about.  However, if the lease agreement says anything about the window treatments staying up or they must be uniform, you might want to put them back up prior to the inspection.

Photo by Mike Marquez on Unsplash

3) Housekeeping

The apartment will be checked to see that it is clean which includes no visible signs that insects are living with you.  However, if they are you should be calling the leasing office before the inspection so that pest control can come out and take care of the problem.  Cleaning might include: dusting, vacuuming, hanging up clothes, picking up belongings from the middle of the floor, mopping floors, cleaning toilets and sinks, and removing trash.

4) Paint and Other Personal Handy Work

It isn’t necessary to paint anything, but if there were unapproved paint jobs, murals, or challenging handy work that involved major changes to the place, this will be a problem for the staff to sell the suite in the future since it doesn’t look like the others.  Be prepared to pay much to have the suite renovated back to the way it originally looked no matter how much you disliked it prior to your “improvements.”  The leasing staff has to sell a suite based on what is being advertised to the public.  Anything else would be a lie.  If the changes aren’t drastic, you might get the pass, but don’t make any additional personal improvements.  

5) Pet Violations

The apartment will be inspected to be sure you are following pet rules like taking the animal out to perform general activities.  Believe it or not, some pet owners do not consistently take their pets out so they are left to roam within the apartment to expel waste.  This of course causes damage to the flooring as well as creates an offensive odor to all who live near the inconsiderate resident.  Another issue is the resident complaints that a neighbor suddenly has a pet that may also be breaking the breed restriction rules.  If a resident didn’t pay a pet security deposit and is not paying monthly rent for the pet, he or she is violating the lease agreement.  The resident will be asked to remove the pet or pay the fees; if not he or she most likely will be faced with an eviction.

6) Hoarding

The staff will make a note of an excess of items that might pose a potential health risk.  From clothes to people, if the space is crowded you will be asked to rent a bigger space.

7) Hazardous Materials or Equipment

Your apartment is not the best place to store flammable liquids from work or materials that are a disturbance to neighbors.  Chances are someone complained about what is happening in your apartment whether it is a smell, strange sounds, or something that is affecting one’s well-being.  The hunt is on to look for the problem belongings and when found you will be told to store them elsewhere.

8) Damages to Walls, Windows, Doors, or Appliances.

The staff will be checking for anything that should have been reported.  Arrangements will be made to have those items fixed if the resident makes the request.  Anything that the security deposit doesn’t cover will be billed to the resident and expected to be paid along with the rent.

9) Water, Gas and Heat

If all is working properly, nothing to be concerned about, but if not request that maintenance take a look prior to the inspection.

10) Electrical outlets

They will probably not be checked unless you bring attention to what is working and what is not.

Other items that might be noticed are non-working faucets, holes in floors, broken shelves, and doorknobs.  If they aren’t observed, once again let the staff know especially if these things had never been checked or fixed after you moved in.

Nicholl McGuire is the author of What Else Can I Do on the Internet? and other books.

10 Things Residents See Apartment Staff Do But Don’t Report

Have you ever noticed suspicious behaviors of resident managers and maintenance crew and wondered whether or not they should be doing what they do? Although some things are not written in your lease contract, there are rules that staff are suppose to follow internally and you wouldn’t know it unless you knew someone who worked on the inside. When you see any of the staff at your property doing the following things, notify corporate headquarters or the property owners. However, if you rent from a private owner, they may not have any specific protocol, but you should make them aware anyhow. Sometimes the owner is the one at fault and if so there are states' laws that every landlord is to follow. You will need to contact your local government for a handbook that lists those laws and your rights.

One. The on-site laundry facilities, gym equipment, business center, pool, or other areas being used by management for personal reasons.

You may have seen your property manager firing up the grill for a party, maybe swimming in the pool with friends, or washing his or her clothes in the laundry room, unless he or she is an on-site manager that lives at the apartment complex, they shouldn’t be doing it. You are paying for those amenities and they are meant to be enjoyed by the residents not the staff. It is an inconvenience to the residents living onsite that need to wash their clothes or have a celebration in the party room and the staff are using them. Do everyone a favor in your building and report them to corporate headquarters when you see them doing it.

Two. Managers and maintenance entering your apartment without residents knowing about it.

You are away at work not suspecting that anyone would be looking around in your apartment. Then one day you come home to discover that something in your apartment is out of place. You call the main office and they tell you that one of the maintenance men were checking for leaking faucets that day. Proper protocol should have been to leave a note by the one who had entered your apartment. Even better, some companies will notify you with a letter at least a week in advance letting you know that someone will be entering your apartment for routine maintenance. However, for emergencies there is no time to let you know in advance, but staff is still expected to leave a note letting you know when they came into your apartment and what they did while there.

Three. Management and maintenance staff inspecting residents’ trash.

Sometimes residents will leave trash in places they shouldn’t have, if you are one of those residents stop it. But if you do, maintenance is not allowed to go through your trash to find out who left it, remove plastic containers, or look for some hidden treasure. There are always those cases where trash will tip over, break, or come open and will need to be cleaned up. However, you are responsible for properly disposing of trash. Some managers will issue warnings then later serve evictions to residents for property damage.

Four. Management or staff removing packages or mail placed by the mail carrier from a resident’s mailbox or front of their door.

This one is tricky. Let’s say you have a good relationship with management and he or she was concerned about your package sitting out in front of your door for days at a time, they may remove it and take it to their office. You may have been away for awhile and your mailbox is full, so management may remove your mail at your request. However, many will not touch your mail or packages no matter how full your mailbox gets or how long a package stays outside of your door. The reason for this is that they do not want to be held responsible if your mail or package is damaged, stolen, or lost. When you are out of town it is better to designate a loved one, friend or neighbor to clean out your mailbox for you if it should overflow. The mail carrier may give the overflow of mail to management, but not always. He or she may leave a note indicating that you will have to pick up your mail at the post office.

Five. Staff showing up announced at a resident’s apartment for personal reasons or entering it unannounced such as helping themselves to some food or watching television.

When you moved into your new apartment, the last thing you expected was to be harassed by management or maintenance about going out on a date, attending an event, joining a business opportunity, visiting a church or whatever other reason they felt it was necessary to knock on your door almost daily. You also didn’t expect that someone from the staff would abuse their privileges of entering the apartment without you being at home. In situations like this, you will want to notify the corporate office and if they persist, contact your local law enforcement.

Six. Management failing to acknowledge a resident’s requests within a 24-48 hour period.

It should never take any longer than three days for anyone to get back to you about a work order request. Efficient staff will respond either that same day depending on how early you called or by the following day. Residents should never have to wait weeks at a time for a request to be granted. If you find that no matter what you ask for management just doesn’t seem to be on top of your requests, you will have to notify their boss or better yet, check your local business directory for an organization that handles tenant and landlord disputes.

Seven. Managers threatening or harassing a resident about rent.

Most states will give you a thirty day notice before they evict you. If you find that you notified management a week in advance about paying rent late and they are calling you a week later about the rent, you will want to remind them that you are aware of your rights and that you will have the rent as soon as you can. The reason why they want you to have it on the day you may have promised is because they know they have a deadline to meet when it comes to filing court papers against you. You will want to re-read your lease to find it if there are any points you may have missed regarding the payment of rent. Also, find out what your state’s laws are in regard to late rent payments.

Eight. Managers failing to make residents aware of rent increases, lease renewals, changes in management and other things related to their lease contract.

You should not be suddenly told that the property is being bought, your rent will be increased next month, and other similar things without receiving a formal notice from management. Anything that may affect your stay should always be made in writing. Never assume anything without contacting management for yourself or requesting to speak with someone at corporate headquarters. Managers are supposed to give you this information if you request it.

Nine. Managers allowing outside contractors to come into resident’s homes while they are away without staying with them or letting them know they have been there.

You may have a problem with your phone line, need cable turned on, or some other issue, management is never suppose to give outside contractors your apartment key for them to let themselves into your home. Rather, someone from the staff should be escorting the contractor through the property and unlocking the door for him or her. Most staff will leave your apartment door open while they are in your home as a safety precaution and so that you are not startled if you should come home early. They are also expected to leave a note or call you to let you know that they were in your apartment.

Ten. Managers copying master keys and leaving them with a resident’s family or neighbors.

If you as a tenant choose to leave a copy with your family or neighbor that is your business, but managers should never leave copies of your keys with anyone without your written request to do so. If there is some kind of lock out program enforced, then there may be a reason why someone onsite needs to be available to let people into their apartments. Otherwise, if there is no such program and you are not made aware that someone other than staff has a copy of your apartment key, then they are violating your rights. Once again, notify corporate headquarters, the property owners, or your local police about the matter.

When you live in an apartment complex, know what is going on with management and your neighbors. Read the company newsletters, if they have any, and know about any upcoming changes that may be happening in management and on the property. Also, be friendly with at least one of your neighbors by waving, helping them carry something, knocking on their door if mail was mistakenly placed in your box or you noticed something strange. Keep your ears open to rumors and call management to confirm the truth. When you make attempts such as these to get to know the people in your community, they may be helpful to you in the future by watching your property, assisting you when you need help, and keeping you informed of the latest happenings.

By Nicholl McGuire

What You Don't Want to Do When You Find a Place

Just a friendly reminder to readers of this site...

When it comes to landing that place you like, don't do anything that is going to result in a future headache for you and those you love. 

One.  Don't make yourself believe that there is no other rental place out there for you and you know you haven't looked for that long.

Sometimes the first few apartment or rental homes that you see are great, but these beauties might cause unnecessary issues for you and those you love later.  Consider the following: these dwellings are out of your league--you are short of cash, you have to come up with far too many ways to meet the security deposit plus first month's rent and utilities, the home is too far away from the job, and the property is available sooner than you have planned and your current lease isn't up yet.  All these issues and more aren't worth going through when you have plenty of time to keep looking.

Two.  Avoid the temptation to persuade your partner, roommates or others who will be staying with you to take the place.

If you see that your family or friends are really not sold on the rental, don't make them accept it.  You will find out the hard way how much of a burden the place might be for them especially if they have repeatedly told you, "I don't like all the trees in the back yard...The neighborhood is scary...Those neighbors are strange...These rooms are too small!  What's that strange smell?  I don't like this house!"

Three.  Hold off on signing anything.

Until you are one hundred percent sure of the lease, property, and other things, don't sign anything!  You will not want to face a potential lawsuit later if you sign the lease and then decide not to pay.

Four.  Tell only a select few about your new location or wait until after you have had some time to get adjusted to your place.

Unfortunately, not everyone is excited when something good happens to someone.  You may have visitors who are very critical and try to convince you to find something else after you have settled on what you really like.  Exes who have unresolved issues may drop by unannounced, angry relatives or bitter friends might be a nuisance to the community, and your family may not want guests when they are still organizing.  So avoid sharing your good news with everyone.

Five.  Keep away from your neighbor's wife/husband, property, parking space, and anything else that doesn't belong to you.

One of the worse things that a new resident can do to make his or her stay awful is to start acting too friendly toward a married couple especially if they aren't interested in friendship.  You can also rouse neighbors if you like to borrow things, play your music loud, and permit your children to run through through the property.  Don't rub your neighbors the wrong way by being too forward, too trusting  or too noisey.

Six.  Never assume that the leasing office has handled everything.

Follow up with everyone and everything from what you saw in the rental dwelling during your tour to your pool pass.  Ask about anything that concerns you and don't think that because someone said, "I'll take care of it." that it was done prior to your move-in date.  

To your success finding an apartment home that is right for you!

Nicholl McGuire

Looking for an apartment today?

For years, this blog has been active when it comes to apartment shopping, advice, and assistance with rental housing.  Take a moment to scroll around and you will find rental information you may not have thought of when it comes to apartment and housing rentals.

A thought comes to mind when I think of first time apartment and home renters.  One thing is for sure, if a landlord, community manager, or leasing consultant knows that you have money in hand and desperate to rent a residence, he or she is most likely going to be more pushy about getting you to put up some money and even sign a lease then a person who isn't prepared to rent.  It is always best to keep what you have or don't have to yourself.  Avoid saying things like:

1.  I just got my tax refund so I am looking to sign a lease today if the price is right.
2.  My dad and mom will help me with the money, I just need to find a place right now.
3.  I don't have much money, but this place is sure nice.
4.  My husband has a good job so money isn't a problem.
5.  I need a place like yesterday, what do you have?
6.  I don't really know what I want...I mean I've been to a lot of places...yours seems okay.
7.  I just got out of a bad relationship, my kids are complaining about the place we are in...I'm broke.

A professional might talk you into getting a loan, borrowing money from a relative, tell you how the rentals are going fast, get you to put some money down on a place even when you need money right now for other things, persuade you into getting a suite that you don't really like because it is cheaper, and he or she might even offer an incentive just so that you will feel obligated to lease.

Take your time when shopping for rental housing.  Always say, "Thank you, but I have some other things to do, I will think about it.  I don't like to make any hasty decisions."  Of course, the professional will follow with something clever to your rebuttal, but keep walking out the door.

Sometimes an application might not be given when requested, this is so that you will come back.  The manager might request money to hold the place.  You might even be talked into bringing the person back you plan on borrowing money from.  Don't cause family conflict by saying, "Yes" to anything that parents, a partner or roommate might not agree with you about.

Apartment shopping is like window shopping, you aren't buying anything.  You are just taking the time to discover what is out there, learn more about the unit, the community and surrounding neighborhood.

Visit the area more than once.  Stop by the community on days when people aren't working.  Listen and watch for signs that the apartment suite is indeed quiet, comfortable and to your liking.  Hard to rent apartments and other housing will feel like they are being pushed on you by staff.  When visiting the place, attention will be taken away from the noise of neighbors, the worn out fixtures, unsightly ceiling and flooring, what is hiding in cabinets, etc.  Trust your eyeballs, your nose, and all other senses when you apartment shop today.

To your success,

Nicholl McGuire

Apartment Rental Surprise - Bad Gift Idea - Make the Decision Together

Some renters want to make their partners smile this holiday season by going ahead and signing a lease or making a home purchase, but not so fast!  The likelihood that a rush decision might come back to haunt you later is pretty good!

When it comes to doing something like renting a home for your family, you should make sure that your kin are onboard from the start!  In addition, keep in mind that sometimes landlords are going to encourage you to sign a lease because that is their job and others have a few things they just aren't telling you about a place. 

Ask yourself, what could be lurking behind a wall, in a cabinet, beyond a ceiling, or around you that might be an issue that your partner might have noticed if only you would have put the brakes on signing the lease?

So before you make any hasty decisions just to surprise a partner, do keep in mind, you won't be the only one living there.

Happy Holidays!

Nicholl McGuire

Don't Like Where You Stay? 30 Day Notice to Move

Don't like where you stay any longer?  If this describes you then you might want to consider giving your landlord a 30 day notice if your lease is due to expire.  If you fail to give notice, then you will find that your rent might increase, your lease may or may not become month-to-month, and you may incur additional charges that you really don't want to pay.

So don't sleep on your lease date--get to the office and start your new apartment search!  Scroll through this blog for more tips on apartment living.

Your Miserly, Mooching Roommate: Know When to End the Lease

Good roommates are hard to find.  When you have one, you stick it out, make it work!  But when you are finding yourself increasingly stressed just being in that person’s presence it’s time to reconsider renewing the lease with a mooch.

A mooch is someone who begs, borrows, and steals things that doesn’t belong to him or her.  A person like this is also miserly, selfish, and may even have his or her share of personality disorders.  With a roommate like this, you are often stressed, worried that the mooch will once again help his or herself to your stuff, and when disputes do occur you are angrier than most people having similar arguments.  You are simply tired of having to instruct this selfish person, watch his or her hands, hide your items, question about missing things, ask for money borrowed back, and more. 

The stingy mooch systematically does things to avoid paying for items while cutting down on current expenses he or she may have once agreed to pay but doesn’t like or want to continue to pay.  The excuses are endless as to why certain things are not bought or maintained.  Here is a list of some shady practices many selfish roommates do:

1)  They lie about how much they paid for something while hoping you don’t use too much of it.

2)  They cut costs most often without warning and you find out the hard way that they are no longer paying for certain services.

3)  They sit back and wait for others to pay for items and then they will begin to use them.

4)  They will make false claims about not having any money to assist with expenses especially those that they don’t believe are important.

5)  They will make small purchases that solely benefit them.

6)  They will act as if what minute contributions they make to the household are worth acknowledging and when one doesn’t, they behave immaturely even vengeful.

7)  They won’t financially assist when the going gets rough and will ignore your please for help.

Miserly roommates’ objective is to find various ways to use your money for as long as they can while they pocket the majority of theirs.  When you notice that you are being taken advantage of and you speak to your roommate about it, he or she will not appreciate your feedback.  This is when he or she will start to behave abusively.  Some things that they will do to financially abuse you:

1)  Steal your financial information.

2)  If you should lose your job, he or she will act very mean and controlling while reminding you that they “…paid for this…or that...”

3)  He or she will name-call and tell you how you are “Stupid, irresponsible, ignorant…when it comes to making/saving money.  No wonder you are always broke!”

4)  He or she will buy enjoyable items for self and purposely leave you out.

Photo by KaLisa Veer on Unsplash

5)  You will notice that most purchases are small inside and are not meant to be shared with others.

I have come across my share of cheap roommates who didn’t appreciate having to pay the majority of the bills.  However, I didn’t make no where near what they did so what sense did it make to take care of all expenses?  The twisted mindset of selfish people with personality disorders is a “Do for me…”  When they can’t accomplish using you in the way that they would like, this is when  they resort to abusing you.

If you have a history with a roommate that has included any of the following: threatening behaviors, hitting, kicking, breaking up your belongings, stealing your identity or credit cards, do not plan to sign a future lease with him or her.  Make plans to move on without this not only financially abusive person, but physically abusive as well.

Nicholl McGuire

Check Your Lease: Domestic Violence is One Way Out of Your Agreement

You didn't anticipate that your partner was going to act like a fool!  He or she acted threatening and then before you knew it you were struck by this person who once claimed they loved you so much.  OMG!  Yeah, so what are you going to do?  Well here's what you don't want to do that will mess up your credit and possibly cause additional problems that you simply can't afford.

1) Pack up and move without saying one word to your landlord.

2)  Fail to report damages in the apartment.

3)  Lie to cover up your part in the dispute to authorities and to get out of your lease.

4)  Kick your roommate or partner out without letting the leasing staff know what occurred.  Now you are short rent.

5)  Forget that your abusive partner has a right to his or her belongings in the apartment as long as he or she remains on the contract.

There are more and more leasing contracts being drafted to make it easier for domestic violence victims to get out of their agreements.  However, there is also an influx of liars.  Therefore, if there is no police report, court hearings, and other information to validate a legitimate reason to get out of the contract, you will still be bound to your lease.  You don't have to live there, but without proof of abuse, you are still obligated.

Nicholl McGuire is the author of Too Much, Too Soon Internet Dating Blues and other books.

Good Landlords, Attract Good Tenants

To date, I have lived at 20 different rental properties during my adult life, and I can tell you from personal experience, that I wasn’t the problem tenant. I knew what needed to be done to ensure my own peace of mind and if it wasn’t done, then I knew how to give notice and start looking for another place.

I have to admit that some landlords were far better than others, because they did the following:

1. They read the lease contract and never changed what was said by misleading statements, false information or manipulative tactics.

2. They followed up whenever I had an issue.

3. They kept drama under control and off the property.

4. They explained to me what was expected and gave me my much deserved credit whenever I did something that helped them.

5. They were fair when it came to my security deposit and recognized how well I took care of every place I stayed.

When residents and tenants work together to ensure a place is well-maintained and rules are followed, you can’t help but stay with certain companies. After 20 moves in various states, I must say that there are good landlords, apartment staff, and rental properties in this world you just need to know where to look. Check out reviews online. Research neighborhoods and check out surrounding ones. Learn more about the property rental company and what others’ experiences have been. Don’t settle for a residence just because it has impressive amenities, certain affluent people live there or nearby, and a great move-in special is being offered. Sometimes features are highly marketed to overshadow the problems in and around the community. Know what you are getting into, before signing a lease contract. Do read your contract well and watch for those places in the lease where the tenant pays extra if one thing or another isn’t done and what rights you and the landlord have in the event that something happens and you are late or can‘t pay your rent.

Nicholl McGuire

10 Tips for a Stress-Free Apartment Move During the New Year

Moving to a new apartment is exciting, but it can also be overwhelming. From packing to organizing utilities, there’s a lot to think about. As a former apartment manager and leasing consultant, I’ve seen firsthand how preparation can make all the difference. Whether you’re moving across town or to a new 

1. Create a Moving Timeline 

Planning ahead is key to avoiding last-minute stress. Start by listing everything that needs to be done before, during, and after your move. Break tasks into weekly goals, such as notifying your current landlord, scheduling movers, and transferring utilities.  

2. Declutter Before You Pack 

Moving is the perfect opportunity to downsize. Go through each room and decide what to keep, donate, or toss. Less clutter means fewer boxes, which saves time and money on your move.  

3. Research Movers Early  

If you’re hiring movers, book them as soon as possible. Check reviews, compare prices, and ask about insurance coverage for your belongings. If you’re handling the move yourself, reserve a moving truck or enlist friends for help.  

4. Pack Like a Pro 

Start packing non-essential items weeks in advance, leaving daily essentials for last. Use labels to mark boxes by room, and add a brief description of their contents. Keep valuables, important documents, and a small box of essentials (toothbrush, change of clothes, snacks) handy for the first night in your new apartment.  

5. Notify Your Landlord and Update Addresses 

Give your landlord proper notice according to your lease agreement. This not only ensures you get your security deposit back but also helps you maintain a good rental history. Don’t forget to update your address with the post office, banks, and subscriptions.  

6. Take Photos Before Moving Out 

Document the condition of your current apartment before handing over the keys. Photos serve as proof if there’s a dispute about damages or your security deposit.  

7. Measure Your New Apartment

Before moving day, confirm the dimensions of doorways, stairwells, and elevators at your new place. Knowing whether your furniture fits will save you from moving day headaches.  

8. Set Up Utilities in Advance 

Ensure your utilities (electricity, water, internet) are ready to go on move-in day. It’s no fun arriving at a new place only to find you don’t have lights or Wi-Fi.  

9. Plan for Cleaning  

Schedule time to clean your old apartment after moving out and your new one before moving in. This can help avoid cleaning fees from your landlord and ensures you start fresh in your new space.  

10. Know the Policies of Your New Apartment 

Every apartment community has its own set of rules and policies. Review your lease agreement to understand parking, pet policies, and maintenance procedures. Staying informed helps you avoid surprises and ensures you’re a considerate neighbor.   

With a little preparation and organization, moving doesn’t have to be stressful. These tips will help you tackle your apartment move like a pro, ensuring a smooth transition to your new home. Remember to check your lease agreements and apartment policies to stay informed every step of the way.  

Happy moving!

Nicholl McGuire is the owner and manager of this blog. Feel free to check out many helpful posts for over a decade of experience.

6 Things to Do Before You Agree to Rent

1)  Walk the apartment that you will be staying in.

Look for things like mold, mildew, dead insects, mouse droppings, and soft spots on the flooring and walls.  Turn knobs, pull out drawers, and open doors.  By doing these things you will know if housekeeping, maintenance, and pest control are on top of their jobs.  If they can’t get a vacant right, then imagine what it would be like if a problem arises while you are living there.

2)  Be sure you are renting the apartment that you saw (not the model).

Sometimes what you see isn’t always what you get.  So if you toured a vacant apartment, be sure that is the one that you get.

Photo by Hans Eiskonen on Unsplash

3)  Note any unsightly appearances and problems with appliances prior to move in.

Be sure all issues are dealt with prior to move-in.  If you don’t, those problems might not be addressed during your stay.  Document your findings and send to the property manager and/or create a work order online if that service is offered.

4)  Review lease slowly and be certain that everything is correct especially the monthly dollar amount.

Never sign without going over pricing in detail otherwise you are legally bound to the contracted amount for the duration of the lease.

5)  Walk the property during the weekend and at night.

Find out what apartments are coming available then walk by them during the evening and night.  You are listening for noise, checking for litter, and noticing odd smells.  Chances are the former residents may have moved due to neighbors, but maybe not. If you can’t immediately view the apartment, this is the least you should do until the apartment becomes available.

6)  Check to be certain all amenities illustrated are included.

Unfortunately, some companies claim to have enjoyable amenities available to all, but upon move-in you realize that some amenities are being worked on or altogether removed.  You also discover some fees you may not have noticed during lease signing.  Know whether the amenities still exist or not and if there are related charges by doing the following:  walking the community and checking them out for yourself, ask residents whether they work, find out if residents are paying a fee to use, and check review sites looking for any unfavorable report about the amenities.

You can never be too sure about whether an apartment community is right for you so do your due diligence!  Hopefully, the staff is transparent with you and others from that first encounter, but if you should discover they are not, move on!

Nicholl McGuire is the author of What Else Can I Do on the Internet? and other books.

How Do You Know You Have Outgrown an Apartment?

Like children, we outgrow some things in life and some of you are outgrowing your rentals.  You are giving everyone grief around you.  Driving through the apartment complex parking lot like a bat out of hell, you practically run to your apartment praying the whole way that no one stops to talk to you.  You are arguing with your roommates.  Talking badly about your neighbors.  You have thoughts of suing the landlord, the property management company, the contractors, and anyone else you meet almost weekly.  Yes, one has outgrown his or her rental dwelling.  So now what?  You start looking for a place like yesterday!  Stop talking yourself into staying at the rental, talk yourself out of it!

1) You know you have outgrown the apartment when more people have moved in since you first signed the lease.  You also know that you are breaking the rules when the leasing office is unaware that you have others living there.  You might be out sooner rather than later depending on the type of manager or management company that is running the place.  

2)  You understand since the early days of your moving there, you just aren't getting along with anyone such as: family members, the office staff, and your neighbors.  That's not a "they" problem, that's a you problem!

3) You look around and the place is just too small, too big, too something.  Yes, you need to make plans and get gone, Goldilocks!

4) When you go from room-to-room every time you use or look at something, it is broken and there is no getting anything fixed.  Now why are you paying rent again?  You might want to put your next rental payment in escrow while you're still under contract.

5)  You simply hate driving to and from the community.  You find yourself passing by the apartment complex with a sigh of relief on some days only to come back and say, "What the...?"  It's just too much going on at your spot, I get it.  

6) You have fantasized about doing awful things to the management.  Okay, let's not get carried away, to jail that is!  It's simply not worth it.

7) You know it's time to move when you find yourself spending more time everywhere else than where you stay.  

When you or someone else you know is thinking and doing things that scream, "Get me out!" It is safe to say that one has outgrown the apartment.  Time to go all out and find something that you really like.  In the meantime, until the lease is up or you have the money to pay the lease break fee, try to get some things done in your humble abode that will make you feel a bit at ease.

Nicholl McGuire is the owner of this blog and the author of What Else Can I Do on the Internet?

When a Tenant Dies

As morbid as it may sound to think about, but leaseholders die everyday.  When an apartment renter's death occurs, the tenancy continues until the lease term ends in many states.  The responsibility then falls on the executor or administrator.  Now if the lease was a month-to-month, the tenancy ends 30 days later after the last rent payment.  A 30 or 60 day notice is not necessary.  Items left in the suite are available to those parties who are listed on the leasing contract.  If the person had no roommates, his or her next of kin who is listed on the emergency contact form will be notified.  It will up to that person to take care of the decease's belongings.  Check your lease and the state where you reside when it comes to tenant rights to learn more.

Nicholl McGuire 

20 Signs Sticking It Out at a Property Might Not Be a Good Idea

Sometimes apartment management and staff just don't have a clue how irritating it can be to keep having to call, confront, and cry about a situation that just isn't being addressed.  As we all know, once you reach a point of anger, it is difficult to ever feel good about a person, place or thing again.  Therefore, small issues become big ones and before long someone is threatening to sue. 

If you are a resident of a poorly-run community and can't seem to get the company's attention with a simple phone call, office visit, or letter then maybe putting your money in escrow might help.  Do consult with a real estate attorney about this before you do it.  However, if the lease is almost up, consider going month-to-month until you can find a better place.  Remember to give a 30 or 60 day notice with management, but check your lease because timeframes vary with many companies.

Issues that will grow into bigger ones causing you and others to run away, especially if one is experiencing all of these:

1.  Unreasonable increases in rent. 
2.  Slow and unskilled maintenance workers.
3.  Weird odors that never seem to go away.
4.  Inconsistent or short office hours.
5.  Rude and/or lazy management and staff i.e.) don't smile, return phone calls, impatient, etc.
6.  Insect problems.
7.  Dirty common areas.
8.  Unruly children.
9.  Strangers using facilities i.e.) laundry room, pool areas, etc.
10.  Robberies and other crime.
11.  Worn carpets.
12.  Air conditioning or heating units that don't work properly.
13.  Problematic kitchen cabinets and drawers, doors, etc.
14.  Residents who break the rules, no consequences.
15.  Outdated amenities i.e.) stoves, refrigerators, countertops, faucets, tubs, shower doors, etc.
16.  Pet noise and waste.
17.  Garbage area pile-ups.
18.  Frequent misplaced or lost packages.
19.  Inoperable gym equipment.
20.  Smokers who stand in breezeways, in front of neighbor's door ways...smoking.

People don't stay where they don't feel at peace.  The community manager and staff's responsibility is to ensure their residents' comfort.  If more people would quit settling for simple issues that could easily be fixed, maybe property management companies would step it up.  Check housing laws usually provided by your local housing rights office and also review your lease.

Nicholl McGuire, former apartment community manager and leasing consultant.


 

Did You Know...? The Security Deposit What It Can't Be Used For

Most landlords in various states will not use the security deposit for a number of things.  For instance, the security deposit can't be used for repairing general wear and tear or unsightly looking markings that existed in the apartment or home before you moved in it. The security deposit can't be used for cleaning your rental unit.  Also, a rental agreement or lease should never say that your security deposit is non-refundable.  Why would it be?  There is no way to know in advance if you or your tenants will damage the apartment and will need to cover those repairs with the entire amount of the security deposit. 

The security deposit is used to cover damages after you have been there, unpaid rent, cleaning the rental unit after you moved out, and it is also used to cover the cost of restoring the suite, replacing furniture, keys and other items that were on the property before you arrived.  Read your lease contract to be sure what other things the security deposit is supposed to cover.

Nicholl McGuire

FAQs from Apartment Shoppers Answered by a Former Multi-Family Housing Property Manager

Looking for a new apartment can be daunting. Between finding the right neighborhood and sorting through all of the different floor plans, it's easy to feel overwhelmed. That's why we've put together this list of FAQs specifically for apartment shoppers, answered by our very own blogger, Nicholl, former property manager. Keep reading to learn everything you need to know about renting an apartment! 

 Q: How do I know if an apartment is right for me? 

 A: The best way to figure out if an apartment is right for you is to schedule a tour and see the unit in person. This will give you a chance to get a feel for the layout of the apartment and the surrounding neighborhood. Once you've toured the apartment, ask yourself if it feels like somewhere you could see yourself living happily for the next year or two. If not, keep looking! 

 Q: How can I tell if an apartment complex is well-maintained? 

 A: During your apartment tour, be sure to take note of the condition of common areas like the lobby, hallways, and laundry room. These areas should be clean and in good repair. If you see any signs of neglect, it's a good idea to move on to another apartment complex. 

 Q: How do I know if an apartment is safe? 

 A: The best way to gauge the safety of an apartment complex is to speak with the property manager. They should be able to tell you about any security features that are in place, like gated entryways or on-site security guards. You can also ask your tour guide about the neighborhood surrounding the apartment complex and whether they feel it is safe to walk around at night. However, they will not provide any specific information.  They are trained to say things like, "Crime has no address."  They cannot guarantee your safety.

Q: What kind of maintenance or repair assistance can I expect from my apartment complex? 

 A: Most apartment complexes have staff members who are responsible for taking care of common areas and responding to maintenance requests from residents. If you have a specific question about what kind of assistance you can expect, be sure to ask the property manager during your tour. They should be able to give you a clear idea of what kinds of services are available. 

 Q: How do I know if an apartment is pet-friendly? 

 A: Some apartment complexes allow pets but with breed restrictions and some do not, so this is definitely something you'll want to clarify before signing a lease. If you do have a pet, be prepared to pay an additional deposit as well as pet rent each month. You may also be required to provide proof of vaccination and take your pet through a meet-and-greet with the property manager. 

 Q: How do I apply for an apartment? 

 A: The first step in applying for an apartment is to submit a rental application. This will include your contact information, employment history, and rental history. If you have no job, you will need to provide a substantial savings, proof of lottery winnings, or an impressive retirement portfolio.  Since each property management company has different requirements, call before you visit to find out what is acceptable proof of income. You may also be required to provide a credit report and background check. Once your application has been approved, you'll sign a lease and pay any required deposits or fees.  Most property management companies expect you to move in within two weeks of receiving approval. 

 We hope this list of FAQs has been helpful as you start shopping for your new apartment! Remember, the best way to find the perfect place is to take your time, tour several units, and ask lots of questions. To your success in finding a great place to stay!

Take your internet searches to the next level!  Discover websites you may not have ever thought of and learn how others are saving time, money, and using the latest innovative apps.  Get your copy of What Else Can I Do on the Internet? today!