Poor Middle Class Affordable Housing is hard to find. But it is a top financial survival toolkit priority. Without it, poor middle class people can fall into the following crises:
• unable to pay bills
• end up in debt
• go hungry nutritionally by eat mostly cheap, unhealthy food
• become homeless
• unable to get proper medical care
• suffer from all of the above
What Is Affordable Housing?
According to Wikipedia, affordable housing is:
Finding Affordable Housing
Our search for poor middle class affordable housing was a nightmare. In fact, it was the hardest part of our financial survival journey. This is because of the following aspects of it:
• the amount of paperwork involved
• a time-consuming application process
• the bureaucratic qualification procedure
• pressure due to our tight deadline
What Is Subsidized Housing?
According to Wikipedia, subsidized housing is:
• a government sponsored system of economic assistance programs
• designed to alleviate housing costs and expenses
• meant for people in need
• designed for low to moderate income families, seniors and the disabled
• often called, ‘affordable housing’ in the United States
According to Wikipedia, subsidized housing is:
Subsidized Housing Programs
There are several forms of subsidies:
• direct housing subsidies
• non-profit housing
• public housing
• rent supplements
• some forms of co-operative and private sector housing
Those who qualify to apply for subsidized housing must be:
• Families in financial need
• Seniors aged 55 and above
• Disabled people over a certain age
There are two types of management, either government or privately run.
What is Senior Housing?
Senior housing is housing available to independent seniors, aged 55 and older. It is usually subsidized. As a result, it is more affordable than market value housing.
Seeking Senior Housing
There is a huge amount of research and paperwork involved in applying for senior housing. In fact, it is the worst part of the process for us. Each housing project requires its own application. Because of this, I was very overwhelmed. Just the thought of it stopped me from applying originally. But eventually, relocation became an emergency. We were hard pressed to find an affordable place to live. Because municipal senior housing units had several years waiting lists, we did not know what to do. We were on the verge of homelessness.
Here is our strong recommendation. Don’t let this happen to you. Apply for senior housing years before you think you may need it.
Fortunately, a private senior facility had a vacant unit. Much to our relief, we were accepted within two weeks. But there was one drawback. The only units available were studio apartments. In spite of the size, we grabbed one. As a result, we were set up in our new home within a few weeks. After that, it took another two and a half years to get a one bedroom apartment. When that happened, we felt like we had moved into a palace. In the summertime, we see nothing but tree. It feels like we live in a tree house. It is like heaven.
Section 8 Housing Vouchers
Large apartments buildings and multi-family homes accept Section 8 Housing Vouchers. According to Wikipedia:
A New Home
Our subsidized apartment is modest. There is no dishwasher. In addition to that, there is no terrace or yard for growing food. There is nowhere to make a compost heap for food garbage. But best of all, having a roof over our heads is a blessing. In addition, we have made a home here. There is a saying, ‘home is where the heart is’.
This is a continuation of the last post, The Poor Middle Class Housing Crisis. In this post, poor middle class housing alternatives are presented. This can involve some ‘out of the box thinking’ solutions. These tools can include:
• Downsize possessions
• Buy or rent a smaller home
• Rent subsidized or senior housing
• Find Ways To Live Rent Free
• Invest In A Tiny House
• Relocate to a cheaper area, state or country
• Live off the grid
Have you ever noticed how many storage facilities there are? This has become a booming industry. We have too much stuff and we don’t know how to part with it. So we rent space to horde it. My rule of thumb is this. If you feel the need to rent a storage space for your overflow of belongings, don’t. Downsize instead.
• Donate possessions to the Salvation Army or other charity
• Give things to your children or someone you know who wants and needs them
• Have a garage sale
• Sell things online
• Buy or rent to a smaller, less expensive residence
Buy Or Rent A Smaller Home
It is much easier to go bigger than smaller. But for the poor middle class, the latter may be a necessity. It may be difficult emotionally to let go of a treasured home. But would you rather be in debt in a home you adore or be solvent in a house you can afford? For those in crisis as part of the poor middle class in the US, when it comes to housing selling and downsizing may be the only way to go. Even for those not in crisis, more modest living can open more doors than it closes, financially.
I have found this to be the most challenging, time consuming and confusing of all the tools for the poor middle class financial survival toolkit. Because of this, I feel that an entire blog post needs to be dedicated to this issue. In addition, the other tools will also be on an additional post. ‘Out of the box’ alternative housing is for the poor middle class of all ages, not only seniors.
• Live Rent Free
• Invest in a Tiny House
• Relocate to another area, cheaper state or another country
• Live Off The Grid
Safe, affordable housing is the foundation for poor middle class survival. How to find and create safe, affordable housing is the focus of this and several additional post in this series. But first, let’s look at housing from both a traditional, indigenous perspective and the modern, industrialized crisis it has become today.
TRADITIONAL INDIGENOUS HOUSING
There was a time, and still is a time when indigenous cultures build their own shelters. They use the materials at hand. To us ‘civilized’ folks, their homes may pale in comparison what the poor middle class have in the US. But when looked at from a different perspective, who is the poorer and who is the richer? The above photos display what I consider rustic but magnificent shelters. They are clean, dignified, well constructed and proudly held by their makers.
THE CRISIS IN HOUSING
But ‘civilization’ brought about by our industrial age has changed all that in some place. Detroit, for example is a casualty of the demise of the auto manufacturing industry in that city. The working class, once gainfully employed as auto workers have been replaced by the poor middle class. They have fled the city. Anyone who can has left that city. It was left in ruins.
A TWO-FOLD CRISIS
But the crisis is two-fold. It is about foreclosure on the homes of the poor middle class due to the inability to pay their mortgages. It then also becomes about finding housing that is affordable, safe and decent. This brings us to the next part of the crisis. It is the need for alternative housing for the poor middle class due to a change in lifestyle affordability.
THE DOWNWARD LIFESTYLE JOURNEY
One of the most difficult parts of becoming a member of the poor middle class is that it is a downward lifestyle journey. This process involves letting go of new, even luxurious material things that we could once provide for ourselves. Then there needs to be an admission of needing help and an acceptance of getting that help from others. This is not glamourous. I have found that it can feel very humiliating. Then it becomes humbling because it is about survival.
Alternative housing can involve pursuing traditional means of seeking less expensive housing. It can also involve some ‘out of the box thinking’ solutions. Either way all are potential and important tools to have in our Poor Middle Class Financial Survival ToolKit. They can include:
• Downsizing to a smaller residence
• Subsidized and senior housing
• Tiny Houses
• Living off the grid
• Moving to a cheaper area, state or country
I continue to refine and gather more financial survival tools for my middle class poor financial survival toolkit. I have to. Financial survival continues to be more challenging. Social Security will go up $5 for us on January 1, 2017. Our cable bill went up $6. So we will start 2017 with a dollar less. Situations like this require continual accumulation of new financial survival tools.
MAJOR CATEGORIES AND FINANCIAL SURVIVAL RESOURCES
First I would like to mention some general tools. Then I will get into major expense categories and tools that are specific to them. Here are some general tips:
• save change in as large a bottle as you can find
• avoid monthly fee checking accounts
• avoid credit card fees
• join groups that offer discounts to members
• make use of discounts you are entitled to for being a member for a particular organization such as AARP, the military and many more
• buy in bulk, only when things are on sale and always look for discounts
• make a purchase with a no fee promotion credit card that requires set payments over time
• use EBATES, GROUPON, etc.
REDUCE, REUSE, RECYCLE
BOTTLE REFUNDS This is probably one of the most important resources for not only the poor middle class but everyone. Redemption of bottles and cans is probably one of the best known tools for creating income through recycling. People in all kinds of circumstances do it. You paid for the bottle. You deserve to get the fee back whenever you can. Those nickels will add up. This is not income and it is not taxable. You are just getting back money you already paid out.
CLOTHES, FURNITURE AND HOUSEHOLD ITEMS
Depending upon your financial status, you can make use of food pantries. They often have clothes in addition to food. For people who can afford to pay, thrift stores are a great resource for finding furniture and all kinds of household items.
Clipped paper coupons, online coupons and text discounts proliferate. Get into the habit of only buying things on sale for a discount.
HOUSEHOLD PRODUCTS EXPENSES
I learned to make my own laundry detergent. It is amazing how much money it saves. The guideline is to make your own whenever you can instead of buying prepared products. It is easier than you think and saves so much money.
SHELTER, FOOD AND HEALTHCARE
These are three categories that can be the major areas of expenses in the budget of a member of the poor middle class. They are so important that a separate blog posts will be devoted to them.
Creating and sticking to a budget is the poor middle class financial survival tool that allows for clarity and transparency. It is crucial. The best way to start is with pencil and paper. Determine your major budget categories. Transferring them to a computerized bookkeeping program is simple. We have actually set up our computerized bookkeeping system based on the following categories plus additional subcategories. It works very well for us. But you can stay with a manual spreadsheet if you prefer.
Setting Up Expense Categories
This is how we have been able to come up with a budget. We set up a bookkeeping system. First, we add up our income. From there, we have a clear picture of how much there is available to spend. Then we set up our expense categories. Everyone has their own profile based on their life, family and needs. These are the major categories we use: • HOME
• FUN, ENTERTAINMENT & VACATION
Within each of these major categories, we have set of subcategories that reflect our expenses:
HOME • Rent
FOOD • Groceries
• Auto Insurance
• Public transit
PERSONAL-HUSBAND & WIFE (EACH HAS THEIR OWN LISTING BUT WITH THE SAME CATEGORIES)
• Personal items/hobby
• Rx copay
• Dental Care
• Life Insurance
• Eat Out/Celebrate
You may find, as we have, that your expenses exceed your income. As seniors on fixed incomes, as young people working more hours but earning little money, as breadwinners who has lost their livelihood, this may be your challenge too. The additional posts in this blog series will be devoted to a solution. That solution is building and implementing your financial survival toolkit.
The Poor Middle Class Crisis is the story of The Poor Middle Class. It is designed to be a resources guide for the Financial Survival of the Poor Middle Class. This guide is an instruction manual for building resources known as a ‘financial survival toolkit’. It also encourages readers to start or find and participate in a ‘financial survival support group or community’.
The Poor Middle Class, itself, is a relatively new phenomenon. Our personal membership was precipitated by the 2008 stock market crash the same week as a primary income earners job layoff. For others families, becoming affected by the poor middle class crisis may have been due to the subprime mortgage scandal. It cost many families their homes. The Poor Middle Class are composed of people who were once middle class, who likely have college degrees or advanced degrees, had careers and good jobs, had homes with equity in them, had pensions, had good health insurance and savings.
The Challenge for The Poor Middle Class
Financial survival has become a critical issue for the Poor Middle Class. This is a crisis that has led to the growing need for new, resourceful financial survival tools. These tools are not exclusive to one demographic, one age group, a particular sex, or one location. But because I am a ‘senior’ living in New York State, some of the tools and resources may apply specifically to people in this demographic.
As a result, I especially welcome your comments and additional suggestions to expand the resources for anyone’s financial survival toolkit. Therefore, I invite you to visit and participate in my companion Facebook page, The Poor Middle Class Crisis & Resources.
Now, we have almost nothing left of that life. But we are not technically poor. Therefore we do not qualify for the level of government benefits reserved for those living in poverty. But we are no longer middle class, either. We are in a place where we cannot meet the obligations of a middle class lifestyle. But we are not poor enough to get enough assistance to survive, either. We also are unable to find or maintain jobs like we had before the financial crisis began. The result is that we need to become very resourceful to survive. Therefore, I needed to gather new financial survival resources. I have created a ‘Financial Survival ToolKit’ in my mind to transform this crisis into an adventure rather than a place of fear.
My Financial Survival Toolkit
It has taken me years to compile the resources, tips and suggestions I have in my financial survival toolkit. In addition, I continue to add to it. I am a visual person so I find it helpful to choose visual tools to help me implement concepts and ideas. I love the cabinets and tool boxes created by the The Viper Tool Storage Company. Therefore I chose one of their set ups to be my virtual financial survival toolkit. Many of my real tools are based on my own experience. Some are based on ideas and tips I have gathered on my financial survival journey. There may be resources that you already use. Other tips and tools may be new, hopefully useful suggestions. I also welcome any input and suggestions you may have. Please enter them in the comments section.
I keep an overview of my monthly finances at all times. This means that I monitor my income and expenses with the benefit of online banking, automatic bill paying and computerized bookkeeping. It includes payment of most of my bills by autopay after my monthly income becomes available. There is a flow to all of this. It has taken me some time to create a system to coordinate the ins and outs of it. Sometimes I feel like a juggler. At other times, I still feel like a beginner.
When I attempt to read a book, it is usually like climbing a mountain. I struggle through each paragraph like a mountain climber attempting to secure his footing to take the next step. Unlike a mountain climber determined to reach his goal, I usually give up after a few pages. Sometimes I will breeze through with what I call ‘the fan approach’ stopping at pages along the way. Sometimes I just take a look at the small type and quit.
‘Never Give Up Without A Fight, One Man’s Battle to Survive Leukemia and the Music Business’ is that once-in-a-great-while experience I have when I read a book. I can’t put it down.
Then I asked myself, ‘is it because I know the author, Lee Heiman since seventh grade in Long Beach, New York and was curious about his life since high school? Or is it because the book is so damn engaging?’ I confess, it may be a combination of both. But only a reader who does not know this driven, risk taker will know which it is.
A Mesmerizing Story
I think that everyone will be mesmerized by this story. Lee’s indomitable spirit exhibited through his six month hospital stay, his continuing survival from incurable cancer as well as the enviable brass with which he has also faced the music production entertainment business are all fearless and admirable qualities Lee possesses. He does not withdraw from opportunities or challenges. I was so taken by his story that I told Lee I had to write something about it to let everyone know about this mesmerizing story. The words, ‘a book review’ came out of my mouth. He gladly agreed.
The Challenges of The Music Business and Leukemia
Lee’s book seamlessly weaves a single cloth from these two major parts of his life’s journey, his experiences in the music business and his battles with incurable leukemia. It is as if one cannot exist without the other. Lee approaches both, with equanimity. He displays amazing courage and exhibits a perseverance against all odds. These are integral to his character. He faces life, good and bad, head on.
Never Give Up
Lee approaches surviving his illness with the same tenacity he approaches the music business. He gives it his all and fights as hard as he can. The odds have not always been good. Anyone in their right mind might have given up long ago just like I usually do with reading books, declaring it a losing battle. But Lee has not. This is not to say that in both areas of his life, he has had only successes and no setbacks. He still experiences ups and downs. But he never gives up.
Why You Must Read This Book
You must read this book. It will renew your faith in whatever you believe in beyond yourself or instill a faith you may never have had. How he survived and continues to live with an incurable disease is a miracle. It is a miracle that is fueled by a spirit that just won’t quit.
It is an honor to know Lee and to have the opportunity to write this book review. Lee is a man of substance, depth and keen sensitivity. I never knew that part of him when we were in school together. But perhaps both the fire of his adulthood and his life’s battles have set these qualities in him like ore becomes steel. It is what keeps him going. It may help to keep you going through your own challenges in life. Be sure to read, ‘Never Give Up Without A Fight’ by Lee Heiman. You will be inspired by it and feel glad you read it.
Do you know what synesthesia is? Do you know anyone who has it? Are you a synesthete? I have synesthesia. I have had it since childhood. I have always considered it to be a fun game I could play in my mind, seeing numbers in specific colors. I can sometimes still experience a correlation between days of the week with colors and numbers,too. I never told anyone about my ability until recently. I had no idea that it was unusual, had a name or was an actual brain function that some other people experienced as well. At least one in 2,000 people have this neurological phenomenon.
Wikipedia description of synesthesia
“Synesthesia (also spelled synæsthesia or synaesthesia; from the Ancient Greek σύν syn, “together”, and αἴσθησις aisthēsis, “sensation”) is a neurological phenomenon in which stimulation of one sensory or cognitive pathway leads to automatic, involuntary experiences in a second sensory or cognitive pathway. People who report a lifelong history of such experiences are known as synesthetes.
In one common form of synesthesia, known as grapheme-color synesthesia or color-graphemic synesthesia, letters or numbers are perceived as inherently colored. In spatial-sequence, or number form synesthesia, numbers, months of the year, and/or days of the week elicit precise locations in space (for example, 1980 may be “farther away” than 1990), or may appear as a three-dimensional map (clockwise or counterclockwise). Synesthetic associations can occur in any combination and any number of senses or cognitive pathways.
“Little is known about how synesthesia develops. It has been suggested that synesthesia develops during childhood when children are intensively engaged with abstract concepts for the first time. This hypothesis – referred to as semantic vacuum hypothesis – explains why the most common forms of synesthesia are grapheme-color, spatial sequence and number form. These are usually the first abstract concepts that educational systems require children to learn. Only a fraction of types of synesthesia have been evaluated by scientific research. Awareness of synesthetic perceptions varies from person to person.”
Part Five was written by me, Alison D. Gilbert, The New York Graphic Design Examiner. It was published by the Examiner.com on January 22, 2012
THE CHARETTE NEW YORK CHRONICLES
The articles previously published here about The Charrette Corporation in NY detailed its history starting with its humble beginnings by architectural graduate student, Lionel Spiro and later, with Blair Brown an under classman. It literally began in a supplies closet at the Harvard Graduate School of Design (HGSD). The inspiration behind its beginnings was one of necessity. At that time, there was no single store in the Boston area where a design student or design professional could acquire all the supplies needed for a project.
Since it was the nature of design work projects to be done in ‘charrette’ (working until a last minute deadline), time was always of the essence. So the idea occurred to entrepreneurial Lionel, to gather the needed materials in bulk and sell them to the other students. To say that the idea caught on is an understatement.
Neither Lionel nor Blair had ever intended to become anything but architects. Lionel graduated ahead of Blair and got a taste of the life he thought was his calling. But time proved otherwise. So when his friend Blair graduated from HGSD, Lionel asked Blair if he wanted to go into business with him. Again, the idea was a natural since no single store still existed to serve the needs of designers.
Lionel found that he could be of greater service to his beloved field of architecture serving the designers themselves than potential architectural clients. It seemed like a good idea to Blair, as well. Thus Charrette came ‘out of a supply closet’ to become a full-fledged business.
OUT OF A CLOSET AND INTO A STORE
It started small but before long the founders realized how wide spread the need was that they had identified as students. What to call the company was a ‘no-brainer. ‘Charrette’ said it all to any design student or professional who needed a design supply or tool, right away. Their first retail destination was Boston.
After a short time, Lionel decided to take on the NY Design world. This covered graphics, architecture, interiors, fashion, theatre, etc. Any discipline that needed a straight edge, a drafting board, tape, markers, Letraset or any of the top quality supplies that could be found in the Charrette treasure chest.
CHARRETTE COMES TO NEW YORK
Charrette’s New York beginnings were humble architecturally, two consecutive stores in midtown on the East side. Neither was a show place but the clientele were the glitterati of New York. There was a constant stream of Broadway and film stars to add to the crème de la crème of the graphic design, architectural, interiors, fashion and other types of design firms in and out of their doors.
NEW YORK LOVES CHARRETTE
Such a clientele needed the right setting, backdrop, environment to reflect not only who they were but what Charrette represented and what there was to see and purchase. The store needed to be set up more like a Tiffany’s displaying Charrette’s tools like fine jewelry behind glass. Each customer would be greeted, often by name, by a sales person escorting him around and waiting on him or her from start to finish.
THE CHARRETTE NEW YORK CROWNING JEWEL
HGSD classmate and native New Yorker, David Paul Helpern, was chosen for the challenge of creating the NY Charrette Crowning Jewel, the ultimate NY Charrette store. Everything was custom made, the woodwork, the special cabinetry, the floors, the ceilings and the lighting. All were made from the finest materials and to exacting specifications. The store could be used for nothing else. Everything was retrofitted for the superior line of design tools that Charrette fashioned and sold. The entire store was designed like a ‘last’ for custom pairs of designer shoes.
THE CHARRETTE OPENING WAS GRAND
The store had a catered affair for the Grand opening. Charrette’s NY Crowning Jewel was featured in several magazines. It is possible that the entire Charrette culture became a template for other chic boutique style stores that followed by selling things that would not normally be displayed this way or offer the kind of service that was offered for what others might have designed and considered mundane. But there was never anything mundane about Charrette.
THE FOUNDERS AND THE ARCHITECT
It is with extraordinary gratitude that this author has had the opportunity to interview primary sources for this entire series. My utmost thanks go out to both founders, Lionel Spiro and Blair Brown for their time, patience and even samples of Charrette supplies, materials and catalogs.
Also, a special thank you goes to fellow New Yorker and architect, David Paul Helpern for sharing his memories as the architect of the Charrette NY Crowning Jewel built at the corner of the East 30’s and Lexington Avenue in New York.
THE CHARRETTE STAFF
There are also countless staff members who worked in the retail stores, at the headquarters in Massachusetts and in the field on the commercial side in numerous states. Art directors, who created the immaculate design materials and displays that always arrived at each store with very specific instructions on how they were to be assembled, shared their stories. Interviews have also been held with former customers whose memories and memorabilia, were lent, sent and photographed for this series.
THE FIRST CHARRETTE STORY LINK
Although I have not mentioned any of the staff by name for fear of leaving someone out accidently, each knows who he or she is, as my thanks continue to go out to each member for the joyful experience of sharing stories. But I must mention one person who, before this series could begin, was found on a Google search for Charrette. He is Stephen Dill, a former employee. I found him on LinkedIn. Charrette was on his resume as a job link. Thanks to him, every person in this story, including the founders, was able to be located. Thank you, Stephen.
THE LINKEDIN CHARRETTE ALUMNI GROUP
A LinkedIn group was set up by and for Charrette Alumni. It is open only to this group of former employees. My thanks also go out to Jack Skidmore and Mark Levitan, its founders, for allowing me to become an honorary member and for their fond memories as well.
It has been an honor and an experience of a lifetime to spend a period of many months compiling all the materials and interviews that have gone into these articles. May they in some small way pay tribute to an outstanding NY (graphic and other types of design) institution and be part of the legacy that Charrette contributes to the NY design scene.
LINKS TO THE CHARRETTE CORPORATION CHRONICLES: PART ONE THROUGH FIVE
Part Four was written by me, Alison D. Gilbert, The New York Graphic Design Examiner. It was published by the Examiner.com on February 21, 2011.
THE CHARETTE NY CREATIVE CULTURE
The historical digs for the Charrette NY stores unearthed an abundance of artifacts and details. The process leading to the creation of their flagship store at 33rd & Lex, and the story since make it apparent that this chronicle needs and deserves to include every gem encountered along the way.
From interviewing several primary sources, a single article has evolved into a series with no sign of wanting to end. Unlike Charrette NY, which did conclude after 20 years as the premier place to purchase design supplies, its story is very much alive. There is even a Charrette Alumni Group on LinkedIn, with many members yet to be interviewed.
Stephen Dill was the first Charrette Alumnus discovered and interviewed. He arose from a ‘Charrette’ search on LinkedIn. He led the way to co-founder Lionel Spiro.
Mark Levitan started with Charrette straight out of school and rose through the ranks of almost every department over his 29-year tenure. NY architect, Rand Rosenbaum, AIA, worked in the NY stores in high school and then while at Pratt. He continued to order Charrette supplies from Cornell. Art Director, Johanna Bohoy, created award-winning graphics some of which are in the Cooper Hewitt Museum in NY and the Smithsonian in DC.
With each of these and interviews to come, Charrette NY jewels emerge. They provide a unique perspective adding color, charm, and even panache to the stores, staff and customers. A creative culture was born within the NY design scene that became a template for chic, boutique style stores that catered to a select group and are a NY signature.
The list of clientele was a veritable ‘Who’s Who’ of NY architects, graphics and all kinds of designers. It included a cast of celebrities and glitterati that make the Charrette NY story sound more like a Broadway event than a retail business. (To this day, that list remains buried like other artifacts were. It may never be unearthed.)
There is no doubt that place, time and cast were intimately woven together to create a shimmering fabric. It was a cloth that stretched from Boston to NY and down the East Coast to DC, and out to the Midwest.
The Charrette NY family history and genealogy still ache to be documented until every detail of its glorious life has seen the light of day. This creative culture was home to thousands of people who all played a part in its magical, rich and on-going tale.
LINKS TO THE CHARRETTE CORPORATION CHRONICLES: PART ONE THROUGH FIVE