Post Edited (PAlady) : 10/10/2008 5:53:35 PM (GMT-6)
I am also getting very fearful and nervous. I am currently unemployed, though I did get a grant to go back to school, which I'm doing now..but school ends in early November and my UE will end the day I graduate. I've already just about used up the federal emergency extension, then for the last 2 weeks of school, I will get the UE school extension. I've been sending out my resume for a while now, had 1 interview and am supposed to have another with a different company (the job is through an agency).
At first, I thought, okay..if I don't find a job right away after graduating, at least I have my IRA that I could cash out or borrow from (though I really, really do not want to do this). But, OF COURSE, now my IRA is losing value quickly, just when I might need it, it figures. The only good thing is, my family has offered to help me out....but I hate to borrow from them, too.
The worst thing is, I cannot even just go work in a local store or get 2 low-paying jobs to hold me over until I find a good job. I cannot stand or walk around for more than 5 to 15 minutes (well, unless I have a shopping cart to lean on). So I can't go stock shelves, or cashier, or all that other stuff one has to do while working in a store. And even basic clerical help, they think I am "over-qualified", blah, blah, blah...Not to mention that when I do go on interviews, I have a limp, and sometimes I have extreme pain. I soo worry that I won't get hired because they can see something is wrong.
I had a nice savings before I lost my job, but it's dwindled down to nothing after paying for Cobra, a bunch of doc visits, bills, and I had to buy my own basic insurance so that my next insurance cannot exlude my pre-existing conditions. I met my yearly cap on prescriptions in a little over 2 months, but THANK GOD!! I was approved for prescription assistance!
So, Yes....day by day I am getting more worried about my whole situation and I know what all of you are going through. You are definitely not alone.
Hello PAlady and all, and hugs to everyone(((())))
Believe you me you are not alone as you no from my last post palady. I am struggling as well. I am behind already a month on all my bill and paying late fees and barley making a dent in what I owe, and being single with 4 kids doesnt help, winter is around the corner as well as Christmas and I cant even pay my bills let alone any thing for Christmas. I think this is the first yr in my life that im not looking forward to it, I have always loved Christmas.
I cant ask my mom and dad for any more money as they are paying my rent for me and thats 1000 a month. The problem with me is that I was making good money before the acc. and I didnt have much credit because I was trying to repair my after my divorce so I stayed away from credit cards thank god, but just my monthy bills and now working part time is putting me under as well as trying to raise 4 kids on my own.
I know how hard it is to be alone and struggle with all that we struggle with, its such a lonely exsitance and at times it gets the better of you and the weight just pulls you down so low sometimes.
As far as the economy goes, I was so scared intil the other day I gave myself a mental slap and told myslef to stop it if it tanks there is nothing I can do about it so stop worring, I have enough to worry about right here and right now than to live on what ifs and its not like I have money in stock anyways lol. So I will have to deal with that when and if it comes. Thats all that any of us can do and pray that things will turn around.
I wish I had some answers for you Palady and all but I dont. I, like you are trying to figure it out as I go and do the best I can. But I do understand Palady and I understand being alone with all this as well, it sucks and there is no way around that one but I jsut want you to know that you have me and you have everyone on here and altho it doesnt help with the phycial aspect at least its is something to know you have people on your side praying for you and understand all that you are going through
We all just have to keep fighting and hang in there and do the best we can
Take care PAlady and wishing you all the best and I really hope all goes well with you.
We are in a similar boat, even though I have a husband who works. He is a cop, so you all can guess how well that pays... We have 4 kids , all at home, the oldest is 15...youngest is 7 and has ADHD
I would suggest that you get ahold of your doctors and ask them about the Patient Assistance programs , they will send your meds to your doctors offices for you to pick up. It's kind of a pain at first, but at least the meds are free.
If you are waiting for SSD, then also apply for SSI. You may be eligible for that, even while you await the outcomes from your SSD applications. Many who are not eligible for SSD, are eligible for SSI. Check with your local governments to see what programs and assistance they offer for disabled people in your area. There are some areas of the country that have many programs for the disabled out there to assist, only for the asking.
I know that many of us are facing hard times, whether we are alone or have a spouse. I hope that things turn around for all of us, soon....
I have been in similar situation for several years myself. I could no longer work full time, tired the part time stuff but was on too many pain meds to perform as I always had in the past. I was ashamed. Calling in sick, limping around and dragging legs. Anger rages that I never had had prior to my DDD began. I walked off the job at two different places. I had no health insurance and ppl would ask me why I didn't keep the cobra coverage that costed more then what my income was when gainfully employed. Geeze how I could go on and on. But wont, LOL. I am sorry you are in a stage of fear with what your next month may hand you. I can only say stay in your day, in the moment, many times minute by minute. Car payments, insurance, house payments or rent, child support was the main thing that got me down. When I was at my worst my ex took the kids and requested child support. I finally got over that hump then he took me to court for collage support. Had to ask once again for money from my family who were already making my house payment and car payment if they could give me $900.00 for attorney fees.(I won that battle but my kids were mad at me) Utilities getting shut off. Once my son at a very young age, ran outside to the gas and electric men and said 'NO YOU CAN"T DO THIS TO MY MOM SHE IS SICK' They laughed and shut us off. Gosh I said I wouldn't go on and I am. Sorry.
Inspiration.... Continue to look at the glass half full not empty. Let all your creditors and collectors know that you are in a health situation that is not their business and you will do what you can. Find a contact source in your community who can assist you in what you are in dire need of let them help you this is their job. Try real hard to never be scared, have faith.
Sorry your in a rut right now, I could go on and on.
Take care, Cloe
Edited to add: once when my water was shut off my friends all brought me over gallon milk jugs of water. I was so grateful. The guilt I felt from being a financial hinder to my successful family sicken me. I am still not in a position to pay them back. We just do not talk about it.
Post Edited (~Cloe~) : 10/15/2008 9:08:23 PM (GMT-6)
Post Edited (PAlady) : 10/16/2008 12:17:25 AM (GMT-6)
PALady (and others here), have you applied for SSI/SSD? (When you apply for SSD, they will automatically assess your situation for SSI, while waiting for SSD.)
From '93 until 2005, I was only able to work P/T, due to fatigue from hep C and pain from osteonecrosis and resulting hip replacements. For the past nearly-10 yrs., I have lived alone and been responsible for only myself...but also alone in dealing with finances. I moved to Federal HUD housing, where the rent is 30% of one's gross income. Not actually that much, as they give a credit for utilities, and for Rx co-pays, etc., for those over 62. Some places are not so nice, but at least it's a roof over your head where you have low rent. Since May, I have been on the waiting lists of 2 senior complexes that accept HUD applicants, and I expect to be able to move into one of them by next summer (nicer environments.) Prior to being approved for SSD in '05, my P/T work kept dwindling in hours as my health got worse. When I finally stopped working, I was only putting in about 12 hours a week. Even after getting SSD and Medicare, I had huge dental expenses and no insurance coverage. Thankfully, a rich aunt with no children or husband, was able to pay for my dental bills. She also helped me out with other unexpected emergency expenses. She finally put about $3000 in a special acct. for me, over which she had total control. I would call her when I needed emergency money, and she would send me money from that account. Tues., she went into a NH. By then, I had only $1800 left in that account. It was sent to me in a lump sum, and I banked most of it today. There will be no more forthcoming, so I have to use what's left very wisely and carefully.
Even with help from my aunt, I have had to cut expenses and use coupons for food and toiletries, paper goods, etc. I also clip Walgreen's coupons and use those. I went there today and got 5 boxes of Royal gelatin for $1, Butterball chicken broth for .50/can, a half-gallon of OJ on sale for $2, etc. I usually don't buy anything that doesn't have a coupon or isn't on sale. It's best to combine both. I eat very little meat and only use milk for cereal. I use store-brand items whenever possible. I also stock up on canned goods, etc., when there is a good sale. I have a Medicare RX plan that costs me nothing. My generic Rxs only cost me $1 ea.
My landline phone is totally basic. I don't even have the wiring maintenance plan. Also, as I live in Section 8 housing, I get a credit called Lifeline...which pays for the residential line. I only pay the taxes...about $6/mo. I got a low-cost long distance plan by searching online. Mine is only 2.7 cents/min. Interstate, with no fees. I haven't bought minutes for my prepaid cell phone since May. I have a free checking account.
I don't have a car--never learned to drive. Before becoming disabled, I took the bus. Now I use a handicap van service for $1.50 one-way. I use it for everywhere I need to go, if I have nobody to drive me, which is 99% of the time.
Prior to getting Medicare, I got my care for free at a teaching hospital, including prescriptions. Since Medicare, I'm going to Mayo. Anything that Medicare doesn't pay for, their charity program picks up. I have to be reevaluated every year to get this help. It has been a God-send, as I had liver cancer and would have died had it not been for the treatment I received at Mayo.
I go to a $13 haircut chain for haircuts. I have also gotten cuts at beauty schools, which are even cheaper. They also do manicures and pedicures.
I buy all my clothes at thrift stores. The only thing I buy new is underwear and shoes.
When I worked outside the home, I always took my lunch... a Slim Fast shake, microwavable soup, or leftovers from the previous night's dinner.
I had 7 major surgeries in 5 yrs., starting Nov. '02. The result was that I needed help with household cleaning. I use a neighbor...actually am on my 3rd neighbor to clean for me. I used one every week until the past 6 mos. or so, when it has become too expensive for me, with the rising price of groceries. I still use that help once a month for approximately $22. I get a thorough cleaning for that.
I use my crockpot, microwave, or contact grill instead of the stovetop or oven. I unplug appliances such as toaster, computer, etc., when they aren't in use, as they continue to draw power, even if turned off.
These are just some of the tips I use to help me get by on my SSD income. I hope that some of them will help you or others here. Even with keeping a close eye on spending and cutting services to the bone, it is still really difficult to make it these days, as everyone knows.
Post Edited (hep93) : 10/16/2008 6:43:33 PM (GMT-6)