Archive for the ‘Tenant tips’ Category

I Worked Out A Fair “Win-Win” Payment Plan With My Landlord

Sunday, May 24th, 2020

 

My Landlord And I Cooperated Together

These are difficult times for everyone. So many people are out of work and many have even been fired from their jobs!

The pandemic has changed the world and has hurt so many people.

And with all the schools closed many parents have to try to educate and entertain our children. This is especially tough when we can’t go to parks or playgrounds.

Landlords And Tenants And Paying Rent

As a long term tenant I have paid my rent according to the lease with my landlord all the time.

Now things have changed, the economy has changed, the whole world has changed due to the Corona Virus.

Economic Challenges

We tenants have lost hours, lost jobs, and even lost hope. This is a unique situation we have never seen before.

So How Should Tenants Deal With Their Landlord?

It’s all about being upfront and honest and working together.

Inform Your Landlord Of Your Predicament

Be open and honest with your small landlords because they will care and understand the challenges you face.

Most small landlords are nice people…they don’t want you to move (at least in my case). And they are willing to listen. And they are often flexible to reach a win-win situation.

Also, they don’t want to try to find a new tenant to replace you if possible. They want you to stay and hope you are willing to work with them.

See Things From The Landlords Point of View And Ask Them To See Things From Your Point Of View

Most small landlords are not like the rich corporate landlords living in their castles. They want you to stay and be their client.

They also know that finding another good paying tenant in the current environment will be very difficult and would prefer you to stay.

So it’s entirely possible to ‘work things out’.

Work Out A Payment Plan

I worked out a fair payment plan with my landlords.

Since I only get $2000/month from CERB and my rent is $900/month we agreed I would pay $500/month and I would catch up when the pandemic is over and I can get back to work.

This allows me to have confidence I will keep my home and also gives me $1500 for other things I need in life (and I still don’t need to dip into my savings!)

Working Together…Works!

View your small landlord as a partner in this whole crazy mess of a world.

Your small landlord likely rented themselves or have friends or kids renting so they are on your side. They might even be helping their kids or relative or friend who is renting deal with this situation.

Working Class Tenants Working With Working Class Landlords is Key

Many working class landlords aren’t rich and have bills to pay. They are usually pretty kind and flexible and if you be polite and tell them you want to work things out they will do it.

Make sure you rent from a small working class landlord because you can talk to each other and prepare win-win plans.

Stay Safe and Let’s All Work Together

I Took Mercy On My Landlord And Saved Them From Bankruptcy – But With Conditions

Monday, May 11th, 2020

Treat Tenants Like the VIPs!  You Need Our Rent Money!

I’m Proud To Have Helped My LL Survive & Not Go Bankrupt

When our premier announced that tenants do not have to pay rent during this horrible crisis tenants face I immediately felt better.

It was nice to know the government understood what I was dreading and said there will be “NO EVICTIONS” until the crisis is over. With businesses closed and workers being laid off, how could we pay the rent for the next six months or more?

I saw on FB and on signs in my area that many Tenants in financial trouble were saying we didn’t have to pay rent at all.  The reason is because we can’t be evicted we didn’t have to pay rent.

So If You Don’t Pay Rent Nothing Happens?

This sounded almost too good to be true. I didn’t have to pay any rent for the next few months or more…maybe up to year.

The premier also said tenants should only “pay what you can” and not make paying rent a priority.

So he basically was saying, make up your budget and put rent last.

I Have A Great Relationship With My Landlord

Since moving in a couple years ago I’m very happy here in my Home.

The landlords are nice people who gave me a very low rent to begin with because I’m a working woman who is rarely at home with great credit so they thought I was their perfect tenant.

Ideal Tenant (Working woman, not home much, great credit) Gets Discount

They gave me 20% of market rent right off the bat because they praised me as being the type of person landlords want to rent to. Of course landlords are sexist and love renting to women and I love how this stereotype helps me.

This made me very happy to hear and they gave me the discount on what they were advertising because I said I was going to be renting for at least a few years while I built up my savings.

I Could Pay No Rent, But I Worked Out A Rebate Plan 

Since I have such a good relationship with my landlords (they love me, I’m never home and never late paying) I learned a lot.

Most landlords are not independently wealthy and cannot afford to pay the mortgage out of their own pocket. They need rent every month just to survive. I understood that and they explained how tough their current situation was. So decided to help them survive. 

I Paid Rent…But 40%  That Was Fair To Both Sides

I made my own budget and made sure my most important expenses were on top of the list and the rent was at the bottom (but still there, as it’s only fair to my landlord).

I calculated my decreased salary due to less hours minus my main expenses for survival during this crisis. Most important expenses over rent:

-Stocking up on canned food and wine

-Buying food for fresh daily eating

-Costs of ordering Take-Out and the extra costs for UberEats, etc.

-Costs of feeding my cat and ordering her food.

-Ordering clothes I will need if I’m stuck in my Home for a long time. Fresh panties are always refreshing. A girl in a cage needs comfy too!

-Order creams to keep me looking youthful at L’occitane

-Saving for masks and potential medicines.

-Entertainment such as renewing my Netflix, CBS, and Amazon Prime accounts.

I Paid Rent…And Helped My Landlord Stay In Business

After all my budget expenses I ended up paying my landlord 40% of the usual amount.

My landlord was happy to get the rent without any issues and with no haggling.

This was not a ‘deferral’ it was what I would pay, period. For April and for future months up to the end of my lease.

They appreciated me even paying and I’m happy I did the right thing to help them would I could have paid $1 if I was the evil, nasty type of bitch.

Work With Your Landlord Like I Did

I could have just said I didn’t have the money but I know my landlord who are a nice couple so I decided to work with them like the Premier said.

40% Paid And I Saved My Landlord’s Life

I paid 40% of the rent for April and will pay that same amount as long as the pandemic continues.

If you have a good small landlord consider paying them at least a little bit because they are in need of rent for their families.

I also told my landlord to always remember I didn’t have to pay, but I did pay 40%. I told them how about a little gift for me, like some Lancombe make up or some expensive champagne?  KEEP ME HAPPY OR ELSE!

Let’s work together and at least pay your landlord a little bit to keep them also surviving…but don’t pay them the full amount because you need to spend your money on your needs first! This is a Win-Win Relationship.

How Ontario Tenants Can Break Your Lease in 2020

Saturday, February 1st, 2020

Get Tenant Tips And Tricks From Experienced Tenants On How “Things Really Work” And How You Can Protect Yourself in 2020!

How Ontario Tenants Can Easily & Legally Break Your Lease In 2020!

Because of the hard work of Tenants we finally have some new changes that are fair and promote justice for Tenants.

All the law-abiding landlords out there will support this post because it’s just explaining the rules and laws to help tenants, just as landlords help each other.

Landlords Can’t Lock Tenants In To Fixed Term Leases

In April 2017 we saw the provincial government finally listen to our concerns and they created the Rental Fairness Act which makes changes to the Residential Tenancies Act.

Now landlords can’t collect arrears for rent due once Tenants receive a “Termination Notice”.

You can see in the Residential Tenancies Act, Section 37, that states that once the landlord gives the Tenant a notice of termination, the tenancy ends of that date of termination the landlord put in the notice.

With the Rental Fairness Act we finally get some real clear facts on once the Tenant gets the termination date, you break your lease:

134(1.1) No landlord shall, directly or indirectly, with respect to any rental unit, collect or require or attempt to collect or require from a former tenant of the rental unit any amount of money purporting to be rent in respect of,

(a) any period after the tenancy has terminated and the tenant has vacated the rental unit; or

(b) any period after the tenant’s interest in the tenancy has terminated and the tenant has vacated the rental unit. 2017, c. 13, s. 24 (2).

What Does This Mean For Tenants? It Means You Can Get Out of Fixed Term Leases

The best thing that all Ontario Tenants should know is this gives you an easy way to break your fixed term lease.

And landlords cannot go after you in small claims court or the Landlord and Tenant Board for breaking the lease, because it’s landlords who told YOU TO MOVE.

For example you might want to move because the landlord is a jerk, or the neighbours are noisy or smoking, or maybe you found a nicer or cheaper place.  You are no longer “locked in” like a slave.

How Can Tenants Break a Fixed Term Lease Under the New Rules?

Remember, if the landlord gives you a notice with a “termination date” of “do this or the tenancy ends” you can just….don’t do what they say…and break the lease! 

“Pay By This Date Or Move Out”…Ok, just move out and it’s terminated!

What’s the Best Way For Tenants To Break A Fixed Term Lease?

There are lots of ways now! Sure it’s a little bit sneaky but Tenants have to do what have to do to survive in this unfair situation.

(1) Don’t Pay Rent and Get the N4

Probably the best way to break the lease is just don’t pay rent. The landlord will give you an N4 ‘Pay Up or Be Evicted Notice’ with a termination date. The termination date will usually be 15 days after they give the notice. Since they are the ones who want to terminate the lease you just don’t pay and agree with them…and there is nothing the landlord can do! Again, here’s how it works.

Step 1 – Rent is Due

Step 2 – You Don’t Pay Rent

Step 3 – The landlord wants your money so will give you N4 Notice to End The Tenancy For Non-Payment of Rent

Step 4 – The N4 says: “Pay this amount by…. (This is called the termination date) or Move Out By the Termination Date

Step 5 – Just move out at the termination date and the lease is broken and you are home free!!

(2) Make Some Disturbances and Get the N5

Make lots of noise and the landlord will probably give you an N5 Notice to End Your Tenancy For Interfering With Others, Damage or Overcrowding. It will have a termination date and then you get out of it. I am giving you this notice because I want to end your tenancy. I want you to move out of your rental unit by the following termination date _____

Step 1:  Make Noise, Damages or Overcrowd the rental

Step 2: The Landlord Will Give You an N5

Step 3. The N5 Will Have A Termination Date

Step 4 On or Before the Termination Date……….just move out by the termination date and you are home free!!

Try not to bother other Tenants so much, but noise, smoking or these types of things will lead to an N5 and then you can leave free and in peace for a better, cheaper apartment.

Try to talk with other tenants so if you are making noise or going to smoke or flood the place, they can complain quickly to the landlord get get the N5 process going fast without really creating any trouble for your fellow Tenants.

Being Able To Break Fixed Term Leases Easily Is the First Step in Creating a Better Rental Industry – Especially When It’s The Landlord Telling You To “Obey or Get Out”…So Get Out!

Things are still really unfair. But I want to make sure Tenants are at least aware how the new rules make it okay to break fixed term leases. I’ll write more later on and hope other Tenants and fair-minded landlords can make positive contributions here.

It’s Time For Real Fairness For Ontario Tenants

Let’s work together and finally create a fair playing field for Ontario Tenants. I know many of you will be amazed at my first contribution and there will be many more to come because it’s time for FAIRNESS.

Tuesday, October 29th, 2019

There lots of good landlords out there.  The problem is there are even more bad landlords.

These bad landlords either don’t know the laws or know them and don’t care…as they think they can intimidate you.

Fight back….and fight back hard and you can win!  Please read our helpful articles here to help good tenants defeat and punish bad landlords.  Good landlords have nothing to worry about and will be appreciated even more by good tenants.