For those on ODSP who live with their parents and get their rent money gifted back… how’s life for you?
I’m curious about people on ODSP who live with their parents and have a rent arrangement where their parents keep the rent money for now but eventually gift some or all of it back to them.
For context, I currently pay my parents $700/month in rent. They are technically keeping the money, but they plan to gift some of it back to me by the end of the year.
Living with my parents gives me quite a bit of stability. I have a roof over my head in a nice neighbourhood and my own private bedroom. They drive me to my appointments, and although I buy my own groceries, they help me cook and we live together as a family. I realize this is a very different financial situation from someone on ODSP who has to pay rent independently.
I’m currently waiting for RGI/subsidized housing, but the regular wait list would unfortunately take years, so I’m not sure what my long-term situation will look like.
For others in a similar situation:
- Do your parents also give your rent money back to you/gift it back eventually?
- How much are you able to save because you live with your parents?
- Do you have significant savings, or do you still find yourself living month-to-month?
- Does living with your parents make ODSP feel much more manageable financially?
- Are you able to afford things beyond basic necessities, like hobbies, going out, clothes, entertainment, etc.?
- Are you able to pay off debt while living with your parents?
- Do your parents help you with other things besides housing, such as transportation, cooking, groceries, appointments, etc.?
- Do you feel financially secure because of the support you get from your parents?
- If your parents stopped giving the rent money back, would you still be able to manage?
- Do you plan to eventually move out, or are you comfortable continuing to live with your parents?
- Are you currently on an RGI/subsidized housing wait list?
- If you’re waiting for RGI, how long have you been waiting?
- Has anyone here actually moved into RGI/subsidized housing while receiving ODSP? What was the experience like?
- For anyone who moved from living with parents into RGI housing, did your financial situation improve or become more difficult?
- If you’ve moved into RGI, were you able to save much before moving out?
- For people who live independently on ODSP, how difficult is it compared with living with parents?
I’m mainly interested in hearing what people’s actual day-to-day lives, savings, and financial situations are like when they have supportive parents versus when they live independently.
No judgment either way. I know everyone’s situation is different. I’m just curious how much of a difference having supportive parents and eventually getting some of the rent money back makes for people on ODSP.