This article has been condensed for length, but the original can be found at https://medium.com/@realworld/realworlds-comprehensive-guide-to-adulting-during-coronavirus-366ad2e8fb9b.
So this isn’t the Spring we had envisioned — whether it’s your final semester of college, or business as usual at the office, we’re living indoor, socially-distanced lives. Though this means your jeans are being neglected and your loungewear game is on-point, there are a few tough realities that have emerged with coronavirus . As your experts in all things ‘adulting’ — we’re here with the 411 on the “real world” impacts of COVID-19 broken down by topic.
Life feels far from normal right now — whether you’ve been sick, working from home, lost your job, or are learning remotely. There are a few things we can think of to help you try get back to when the living was easier:
Living expenses: If you’ve left your apartment to quarantine with friends or family, or had to move out of campus housing or homes early, many companies are allowing you to suspend services like cable, wifi, heat, and electric during the quarantine period. Give your providers a call and request to be put on a vacation or seasonal status plan — there may be a monthly maintenance fee (Spectrum charges $4.99/month), but it will be a lot less than your full bill.
Eviction: Some states and cities are creating policies to reassure their residents that they won’t be evicted during the COVID-19 outbreak. Not only would an increase in homelessness be troubling as a society, it would counteract all of the measures in place to stop the spread of the Coronavirus. NYC for example, has halted all evictions for 90 days.
Updated 6/3 — The CARES Act prohibits renters from being evicted until July 25th, 2020. After that point, landlords must give tenants 30 days notice before eviction. Eviction rules vary widely state by state, so be sure to check on your unique situation to prepare.
Foreclosure: In order to stay home and quarantine, you have to have a home to stay in! To help with this, the federal government has stopped foreclosures for 90 days, meaning any repossession of your home due to outstanding mortgage payments will be delayed until after the State of Emergency is called off.
Renters Insurance: You never know what kind of chaos can ensue in situations like these — especially if you’ve decided to leave your apartment during the quarantine. From increased levels of cooking and potential for fires, to vacancy leading to burglaries, it’s a really good idea to consider getting renters insurance (all of the time, but especially now). Check out our recommended providers.
Moving: There are a few scenarios here that can be complicated by the Coronavirus pandemic and the subsequent regulations — from prohibiting moving (moving companies are non-essential), to not being able to see new places, there’s a lot up in the air (and not just from coughing). Communication is going to be key here — with both your new and old landlords.
- If your lease is up soon, and you don’t want to renew — you may not be able to move out or see new places given the regulations. You may want to inquire with your landlord to see if they’d be willing to offer a month-to-month lease option, given the circumstances. Hopefully they’ll be flexible and would prefer you stay put rather than have movers come in and have an empty unit until we return to normal.
- If you already have a new apartment, but need to move out and then in — many buildings are prohibiting moving at this time in order to minimize the spread of the virus, so it’s going to be a tough call on getting your stuff from one apartment to the next. It’s worth giving your new landlord a call to see what they’re thinking as well as asking your current building if there’s already a new tenant moving in, and if they’ll be able to let you move out on time.
- If your lease is up soon but not ASAP — you usually need to let your landlord know within 90 days if you won’t be renewing your lease. Talk through the options with your landlord, explaining that given the circumstances you want to let them know you’ll be moving out, however things are so crazy it will depend on whether you’re able to see new places, hire movers, and more.
We will be continuing to update this list with new developments. If there is anything we missed or you have advice to share with our community, please reach out to us at firstname.lastname@example.org. Stay safe and wash your hands!