...are two words that drive me absolutely crazy!!! I am currently taking a housing class where groups are formed to create a housing plan for a community in Chicago. My group has chosen Englewood on the south side of Chicago. These housing plans encompass data on virtually every aspect of the community's housing needs: low-income residents, handicapped, persons with HIV/AIDS (health issues), elderly, ex-offenders, homeless, families vs. non-families, etc. After reviewing some of the data, you have to wonder what in the world happened to this community? How do you rectify some of the basic, underlying issues that have plagued this community into such disparities?
CHA, HUD and the city of Chicago have been active in attempting to create programs for individuals to become home owners. But, how do you become a homeowner when you lack resources? When you lack the basic fundamental needs to survive day to day, week to week, how can you afford a home? Most of these programs are designed to place the individual into debt almost immediately. Classes that the Department of Housing, and various other first time home buyer programs, sponsor navigate the individual through credit issues, where to buy a home, what to look for in a home to fit your needs and what financial institutions to contact to aid in financing options. However, we are looking past what the underlying issue is: lack of money, lack of resources. It is through these types of programs that every day working people drown themselves within. They create a cycle where one is forced to work two to three jobs just to manage the upkeep of themselves, their families and their new home.
It is quite possible that we should assume a different approach. We should be more focused on decreasing unemployment, poverty and homelessness.
After rambling on, the point is that the words "affordable housing" just do not cut it anymore because after all, who is the housing affordable for?