One Day From Homeless, Our Story

 

ONE DAY FROM HOMELESS, HOW COULD THIS HAPPEN?
People are in shock when I tell them that my husband and I had been one day from homeless. They respond, NO WAY! They can’t believe it. Friends knew us as middle class. We still look middle class. We behave middle class. There is not really anything that gives us away. Since everything fails to confirm our financial situation and living circumstances, I have no choice but to tell them our story, One Day From Homeless.

one day from homeless
This is the new suburbs, camps of homeless people who find refuge in suburban wooded areas. Although not legal, this is a place to gather as a community for safety and survival. From NJ.com.

OUR STORY
When my husband and I became a couple in 1994, everything was fine. We had a house at the beach. We each had a car. Both of us had college degrees. I had a small business. He had a job and was completing a Counseling Certificate.

We both came from good homes. I was from Long Beach, NY. He was from Manhasset, Long Island’s North Shore. We had good upbringings and were community members in good standing. There was nothing to foretell what was to come.

A MIDDLE CLASS LIFE
We lived a comfortable middle class life. Things all seemed headed in a great direction. The house we owned skyrocketed in value. We sold it at the top of the market right before housing decided to turn south and crash.

My husband was able to go back to school full time due to an injury from his job and a layoff. He studied graphic design and got a terrific job in NYC in 2000. I had my decorative painting business. It was going well. For a while, things were fine.

FINE TAKES A TURN FOR THE WORSE
But then the stock market showed signs of instability. My planner said it was just a bear market that would correct itself. My gut disagreed. But she was the professional, so I held on. At the same time, there were changes going on at my husband’s job. He had to commute one and a half hours each way to New Jersey during reconstruction of their Manhattan headquarters.

When they returned to NYC, he got a new boss. From day one, they were like ‘oil and water’. The working relationship went from bad to worse. As if it had been orchestrated by some quirk of fate, everything felt like an avalanche gathering downhill speed simultaneously.

One Day From Homeless
Dow Jones Historical 100 Year Chart Showing 2008 Depression

THEN CAME 2008
My husband had just turned 62. So he could collect social security. But he preferred to keep working and wait until age 67. But he got laid off. It was bound to happen. Better than the homicide or heart attack I feared would happen from working with his boss.

My mutual funds that were supplying a small income for me were competing in a similar down hill race. And it all crashed at once. That was 2008. Job gone. Income gone. If it had not been for President Obama’s extension of unemployment insurance from 26 to 99 weeks and his decrease in COBRA insurance from $1500/month to $500/month, our demise would have come much sooner.

THE HANGOVER OF 2009
As we continued to live on dwindling savings and my husband’s pension, I felt more and more despair. I had never felt this way before. I started carrying my toothbrush and dental floss with me everywhere I went. Something didn’t feel right. At first, I started having terrible pains in the area of my gall bladder. In attempting to heal that without surgery, I started to have a severe emotional swing, a downward crash actually.

As much as I fought it, I could not stop falling. I fell into a deep, dark hole where there was nothing. There was no hope; no future and time almost came to a standstill.

I was having a nervous breakdown. With five visits to the emergency room, I ended up in the psychiatric unit of the local hospital from two of the ER visits. That is where I spent much of my summer, in and out of it the unit. Then I was in the aftercare program. I don’t know which aspect of that ordeal was the worst part. I think all of it was. The only saving grace was that I was in air conditioning all summer.

VEGETABLE OR HUMAN
My husband was terrified that the prescribed medicine overload would leave me a vegetable for life. But he stuck by me visiting me in the hospital every day, twice each day. He didn’t even tell me about the day he got hit by a car when he was riding his bike. He didn’t want to upset me. He told me about it years later. Thank God, he was OK.

Somehow, I finally got on the right medicine, from seven at one point down to a reasonable, workable two. I found a wonderful therapist and started to see a pinhole of daylight out of that black hole.

SAYING GOODBYE TO OUR MONEY
But on thing did not stop. That was the drip, drip, drip of our money going down the drain, as we had to support a Middle Class life of expenses on a Poor Middle Class income. But we did not identify what it was at the time.

My husband continued to seek work to put us back in balance. But in terror, I counted the months our funds would last. By then, we were in ‘the system’, Medicare, Medicaid and food stamps. But what were we going to do about our housing situation?

We had a two-bedroom apartment and no idea what we were going to do or where we were going to go. We thought the answer was to get evicted since that would bide us time or so we thought.

one day from homeless
The Grapes of Wrath written by John Steinbeck from ravepad.com

ALMOST HOMELESS
Thank God, we did not go that route. It would have been a mark against us for future housing applications. Our landlord was wonderful. He patiently worked with us, accepting what we had left to give him. First it was our deposit as a month’s rent and then one of my husband’s best paintings as the final month’s rent.

By then we were down to another level in ‘the system’, the search for emergency housing. Miraculously, with the help of a friend, we found a senior housing opening. It usually takes years to get in. First you apply to a waiting list to wait on another list to apply for an apartment.

LIFE IN A STUDIO APARTMENT
But the housing that we found in record time, two weeks, was a studio apartment. That was the only drawback. The building was lovely, centrally located and most importantly, it would provide a roof over our heads in a very nice building. For a number of weeks before we found the studio apartment, we thought we could end up homeless.

Then there was a paperwork screw up with the county’s bureaucracy at the very last minute. We had gone there for our ‘one shot’, the money for our apartment deposit. We waited over 3 hours for it. But at the very last minute, it was denied to us. We had $8. too much money to our names. We were supposed to be delivering the deposit for the new apartment the next day. I totally panicked. That was the closest we have come to becoming homeless. It is something I pray that we never experience again.

MIRACLES DO HAPPEN
At the last minute, the money we needed for our deposit was made available by a charitable organization when they heard our story. After the three unnerving hours we had spent in the county’s facility, we drove another hour to the place that saved us with their donation. But I have to admit that the six months starting with the countdown of funds to almost homeless was probably the scariest time in my life. I felt so powerless.

MOVING FORWARD
It is hard to believe that we have been living in our building for about four years. We were even able to move into a one-bedroom apartment about a year and a half ago. It feels like a palace after two and a half years in a studio. We see the trees out our window and feel like we live in the sky.

My husband was able to go for advanced training in the counseling field. He has been interning doing that. I have been learning how to adjust to being Poor Middle Class, not as a punishment but as a badge of courage.

A GIFT
We believe that we have been given the experiences of the last 8 years to learn how to survive from a place of surrender, gratitude and humility. It has been and is still quite a journey. What we have learned and continue to learn is a gift.

It is a gift that has been given to us to pass on to others. Let us continue to experience this new life as a gift. Let us also continue to pass on joyfully, what we have learned and continue to learn. Let our experience help others who are now where we once were, almost homeless and part of The Former Middle Class.

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THE US HOMELESS HOUSING CRISIS

 

The Crisis of Homelessness
The US homeless housing crisis today affects over a half a million people, both individuals and families. This post is one of a series of blog posts, The Poor Middle Class Crisis.
homeless housing crisis
The U.S. Cities With The Largest Homeless Populations by Niall McCarthy from Forbes.com

This post:
• introduces the homeless housing crisis itself
• is a vehicle for the public to become more aware of this crisis
• provides resources of services that are available to the homeless
• is part of the goal to help end homelessness

Mark Horvath and Invisible People Fighting Homelessness

 

How I Am Different From A Homeless Person or Family
What makes me different from a homeless person? I still have dignity, self-respect and a sense of belonging. Other people treat me with respect. I have a roof over my head and my name is on the lease. Without that roof and a permanent address, I become part of the homeless housing crisis community. This can lead to the loss of many other qualities of life. We take so many things for granted. Things like:
• having a dwelling with several rooms
• accessing a kitchen to cook in
• sleeping in a warm bed
• taking regular baths or showers
• grooming oneself regularly
• washing clothes
• having medical and dental care

Without these amenities, one can spiral down, beginning to look and even feel different. A homeless person can become so different that they ultimately become invisible to the rest of the world.

Invisible People
Mark Horvath, a champion for the homeless, calls the homeless, Invisible People. He seeks to end the homeless housing crisis in his lifetime.
homeless housing crisis
Smartphone & Social Media: A Solution to Combat Homelessness | TEDxSyracuseUniversity

 
A Homeless Spokesperson
This video bring out some crucial issues. Certain things are needed by a homeless person to become employed again. The public thinks these are luxuries. They are not. Everyone needs a cell phone and a laptop. Both the employed and those seeking employment need them for their work.

Smartphone & Social Media: A Solution to Combat Homelessness | TEDxSyracuseUniversity

 

A Homeless Person’s Lifeline
Social media, a cell phone and iPad in particular are the lifelines for a homeless person. They are often the sole means of communication with another person. It may be a family member, a friend, another homeless person, calling for help or a ‘warm line’ to hear a friendly voice at the other end of the line.
homeless housing crisis
James new smart phone from ‘Smartphone & Social Media: A Solution to Combat Homelessness | TEDxSyracuseUniversity’

 

Essentials For The Homeless Individual
Besides the ‘life and death’ things like food, shelter, clothes, blankets and medical care, these are also essentials for survival when someone is homeless:
• clean socks
• a place to receive mail like a PO Box
• a cell phone and laptop
• access to a cell phone ‘warm line’
• knowledge of wifi hot spots

https://invisiblepeople.tv/2014/06/emily-and-her-children-homeless-family-hotel/

Shelter For The Homeless Individual or Family
Many homeless people agree that official homeless shelters are not the best place to stay. As a result, homeless groups band together to seek safe, optional homeless housing. Protected, warm spaces are the priority. The homeless create homeless housing communities like tent cities. Groups gather within the infrastructure under bridges. Abandoned tunnels are popular homeless dwellings. Assistance organizations do exist in some states. There are homeless housing programs for veterans, as well. Families are put in temporary hotel housing. But much more needs to be done to eliminate homelessness in the US.

 

How To Help End Homelessness
We can help end homelessness:
Donate to InvisiblePeople.tv.
• Increase awareness about the homeless housing crisis
• Speak in public about homelessness in our communities
• Hold a presentation about Invisible People
• Contact our elected officials

The federal government has been working on a plan to end homelessness. Ask them how the plan is coming along. You can read a print version of the plan here.
Opening Doors: The Federal Strategic Plan to Prevent and End Homelessness

Remember, the only concrete difference between is and most homeless people or families started with one thing. We still have our own roof over our heads. Someone who is homeless has lost theirs.

homeless housing crisis
Opening Doors: Federal Strategic Plan To Prevent And End Homelessness

 

 

 

Sources & Resources
Facebook | Mark Horvath

LinkedIn | Mark Horvath

Twitter | Mark Horvath

Invisible People – Changing The Story of Homelessness

About – Invisible People

Invisible People.tv | speaking and consulting

Emily and Her Children Are Homeless in a Family Hotel

From Invisible People: Sandra Is Homeless In New Orleans

Get To Know Mark Horvath Keynote Speaker, Founder of Invisible People

Former Homeless Man’s Videos Profile Life On Street : NPR

Mark Horvath | The Huffington Post

Kern County bill paying assitance

Homeless Veteran Reintegration Project

Homeless camp shows divide between rich and the poor

The Cities With The Largest Homeless Populations

2016 Homeless Statistics

People experiencing chronic homelessness

Opening Doors

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The History of Homelessness in America, 1640-Present – Street News Service

Throughout history, homelessness has been misunderstood in the US. “There is no such thing as ‘the homeless’. It’s a group of people just like any other —they’re individuals, they’re families, they’re old, they’re young, they’re sick, they’re healthy. People are much more complex than the diagnosis that they have.” (3265 Words) – By Ben Cook

Source: www.icyte.com

What is homelessness really about? What can be done?

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My ‘Back to Basics’ Journal: Thoughts on Self-Sufficiency, Sustainability and Survival

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