Category Archives: Poverty

Only Child on seniors health and poverty living

Mulling over health care costs and seniors

Mulling over health care costs and seniors

It doesn’t matter where you live – if you are a senior living in poverty, you can bet your health will suffer and can be worse than if you have money. I’m not saying that being wealthy prevents cancer or heart disease. There are certainly many other factors weighing in here.  But I am saying that if you live below the poverty level, there are many age-related medical conditions that could be stopped or at least improved if you could just afford to pay for them.

So much for universal health care. That is a myth, even in Canada and Great Britain which are supposed to have health care coverage. I live in Ontario, Canada, and over the last few years, what is covered by our provincial health care plan (OHIP) has shrunk. Here is a summarized list of what is NOT covered by OHIP from the official site.

Services NOT Covered by OHIP

  • Ambulance transportation services if not deemed medically necessary (maximum cost of $240).
  • Routine eye examinations for people between the ages of 19 and 65.
  • Glasses and contact lenses.
  • Some physiotherapy may be partially covered or not at all.
  • Routine dental services such as examinations, fillings, cleanings and non-surgical extractions.
  • Podiatrists are only partially covered by OHIP.
  • Paramedicals such as chiropractors, massage therapists, naturopaths, podiatrists, acupuncturists and osteopaths.
  • Necessary emergency medical treatment obtained outside of Canada (e.g. while traveling) is only covered on a very limited basis; it is highly recommended to have travel insurance protection if traveling outside of Canada. Out of province ambulance costs are not covered.
  • Prescription drugs, although assistance MAY be available (see below).
  • Any cosmetic surgery.
  • Semi-private and private rooms in a hospital.

– See more at: https://www.healthquotes.ca/OHIP-Ontario.aspx#sthash.pbM8hhZK.dpuf

But not included in this generalized list are some blood tests, such as tests for Vitamin D deficiency and Candida (the latter was covered until the early 2000s). Vitamin D deficiency can be a problem, especially in winter, when there is less sun to be exposed to, something I found out the hard way nearly five years ago. And no, I didn’t go to a doctor’s about it or I would have been hit with the cost of a blood test. I did my research online and figured the extreme pain in my leg bones wasn’t arthritis (pain wasn’t in the joints but in the calf bones) was Vitamin D deficiency. So after a few weeks of massive daily doses of Vitamin D, the pain went away. Now, starting in November and until at least the end of April, I take very large doses of Vitamin D, daily.

Which brings me to something else not covered by healthcare – Vitamins, Minerals and other supplements that not only aid in your health, but in some cases get rid of the health problem. Most months what I spend on food is in a “race” with health supplements for highest amount spent.

And yes, there are private drug plans, but if you live below or near the poverty level, you just can’t afford them. Who says Canada doesn’t have a two-tier health plan? It is just not the usual definition of a two-tier health plan.

However, those of us who live below the poverty level in Ontario, have some government help with the Ontario Drug Plan for Seniors – you get all prescriptions free and waive any druggist fee. The down side is you have to re-apply each year based on your Net Income as filed and assessed by Canada Revenue, If you are living a bit above the poverty in Ontario, you  might get partial help, i.e. pay the first $100 for prescriptions, then after that pay a nominal druggist fee for filling the prescription. Again, it is set-up as an annual thing based on your income. So living in poverty (for the next year) guarantees me no prescription costs for my eye drops – absolutely necessary or my left eye will go blind.

And being over 65, I now don’t pay for any visits to my ophthalmologist and optometrist. But I do pay for glasses. Which is why I kicked up a big fuss when I had to have replacement sunglasses because the original ones had a broken connection to the glasses, just over a year old. Not only was this particular glasses style no longer made, the one-year warranty was up. So full price here. No wonder I complained to the store (Hudson’s Bay Optical) manager and he credited me with half the cost.

No wonder I have very bad feet problems. No wonder I am cranky a lot.

Speaking of poverty levels. There is a big gap in what is considered the poverty level for singles living alone in Ontario, Canada and the United States.

In the United States:

“Over 25 million Americans aged 60+ are economically insecure—living at or below 250% of the federal poverty level (FPL) ($29,425 per year for a single person).” See Economic Security for Seniors Facts.

Compare that with Ontario’s $19,330

These are both annual incomes.

I’ll be covering more on Seniors and poverty in future posts.

Comments, please. I would also like to hear from those living outside Canada and outside the United States.

Cheers.

Sharon

Only Child Writes

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Filed under Health, Health Seniors, Healthcare coverage, Only child, Poverty, Seniors, Vitamin D Deficiency

Only Child’s financial woes continue – thanks to outside sources

Only child stews about financial woes

Only child stews about financial woes

Despite inheriting some of my mother’s ability to live frugally and have a financial budget, I am still having too many instances of running out of money the last week of the month. What really ticks me off for this month is that all the financial woes are caused by other individuals or government departments or banks screwing up.

Take yesterday as a big example of what can go wrong:

I was (and still am as of today) waiting for Service Canada, the GST people, Ontario Government and the like to sort out three payments I’m supposed to receive from forms filled in on my tax returns for 2015. So far I have not received the once a year Seniors grant all seniors get if we apply for it annually  (which I did). And for us low income seniors there is the property tax and energy credit – this one goes into your bank account once a month for 12 months and the GST rebate, put in your account quarterly. All should have been put in this month of July and they usually are. You have to have your assessment from the CRA first – well I got that over a month ago and had filed my 2015 income tax returns same time as every year – last week in April. But the money hasn’t been put in my bank account for any of those three.

To add insult to injury, I couldn’t access my bank account online yesterday to see if anything had been deposited. Neither could any other Scotiabank customer. Scotiabank was having computer server difficulties from an upgrade done over the weekend. I didn’t check my account on the weekend so don’t know for sure if the inaccessibility was all weekend or all Monday. What I do knowis  that when I checked – mid- morning Monday and several more times during the day to about 4.45 p.m., I still couldn’t sign into my account.

I wasn’t going to waste my time with a trip to my bank branch with nothing to deposit and no idea if there would be enough there to withdraw anything. (more on that first part shortly). Okay, so I decided to do the telephone banking. Wouldn’t hurt for once. But I couldn’t get very far there. When you get the recorded voice it tells you to press 1 for text and press 2 for screen. No option for land line phones. Excuse me – we don’t all have smart phones. So I pressed nothing and got a repeat of the recorded message. I hung up and had to call customer service. At least I got a good service representative who knew her stuff and not only gave me my bank balances (Nope! No government deposits then or today either when I was able to access my accounts online), she also agreed to pass along my complaints to her supervisor and from there it would go to a manager. I requested that manager call me back about it. Besides the complaint about the telephone service missing the third option, I also complained about the misleading pop up on the bank website when you tried to sign in to your account. The pop up had Scotiabank’s apology for the inaccessibility online but suggested bank customers could use their mobile apps as that function  was still working.

Is all this access setup (excluding the outage) discrimination for those who don’t have all the latest technology?

And being a former journalist, I dug further. At the Canadian Outages website  I found out more information including a lot of other disgruntled Scotiabank customers. And some of them like me have computers and land lines. No smart phones with mobile apps, not that everybody with a mobile could connect to their Scotiabank with the mobile app – it wasn’t working all the time either. Check out the Canadian outages website – there are more comments on the bad Scotiabank service. Even though I am not for all of this excess technology, the basic online account and being able to access it I find is necessary. If you think I’m lazy, think about people with mobility issues who can’t exactly dash off to their bank branch.

And I am still waiting for one of my major business clients to pay me for a writing course I taught for them (and their patrons) in June. I’m still waiting for my cheques despite submitting signed contract copies twice (one as far back as the end of April)  – the second submission (all by email) was because the client’s administration department had lost one of the first submissions. The person I was dealing with in person for the course did his part re getting the process going for my cheques and has been diligent in following up on all my inquiries. It’s the administration and financial departments there that messed everything up.

So that is why I am sitting (and fuming) with less than $75. to buy necessary health supplements and food.

Now if I was a lazy bum and not a senior, maybe I could blame myself.

But it’s not my fault and I’m doing all I can to get things fixed and moving.

No wonder I’m cranky a lot.

At least I did receive notice from Service Canada (via regular mail) that my GIS is being continued for 2016 to 2017 and it and my OAS (both for seniors) have been increased. They gave me the amount. Supposed to start with this month’s payment – tomorrow – in my bank account.

Now, let’s hope it gets deposited July 27, 2016 and I can see it online.

Seeing is believing – that’s my motto for living. “Hope” is a four-letter word.

Cheers (I think).

Sharon

Only Child Writes

 

 

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Filed under Bank service complaints, Banking, Clients, finances, Life demands, Mother, Old Age pensions, Poverty

Only Child says focus and it might happen

Only child in doorway to her office

Only child in doorway to her office

Last week I blogged about Karma – what goes around comes around, something I firmly believe in even if I don’t see it. But there is also the belief that if you put it out there, the Universe, God or whomever might deliver.

No, I’m not turning into a believer here, but by accident I discovered a twist to this.

As many of you know I have turned into a very cranky angry person, thanks to all the crap that has been shoved my way and thanks to that, all the areas in my life where I feel cheated. So it has made me push a lot in my complaining. Besides the health area (which I will stay off this time), I have been complaining loud and clear about my financial position, about living below the poverty level. I just did my income taxes for 2015 and that confirms it – even lower income then for 2014 and 2016 was looking even worse, what with the powers that be at Service Ontario cum CPP, cutting back on my monthly CPP income and adding insult to injury by deciding to take off all the “extra” in May. Of course, I filed a dispute.

Along with this bad financial situation is the lack of sufficient work coming in for the first part of this year. I am teaching a fiction writing workshop at the S. Walter Stewart Library branch later this year in October.

So, I’ve been yelling about these two – financial and lack of work to bring in money – but also putting my invisible money where my mouth is, so to speak. I’ve been pitching both my writing workshops and speaking engagements for my Beyond fiction books to various branches.

Voila.

Late last Friday afternoon I received an email from a librarian at the North York Public Library branch. The writer/editor who usually teaches their four-session Memoir Writing Course in June has had to suddenly cancel (why is her business). So the librarian who looks after programing there emailed me and asked if I would like to teach the course and there would be financial compensation.

He had received my name from another librarian, Janet Nanos (and I don’t mind mentioning her name and you’ll see why in a sec) who is instrumental in my East End Writers’ Group meeting almost monthly at the S. Walter Stewart branch and also for that October fiction writing workshop. Turns out the NYCC librarian and Janet used to work together so he emailed her and she recommended me. And yes, I thanked her.

I have since talked with Val, the NYCC librarian and we have firmed up what I am to teach (pretty much up to me for the content) and he confirmed my fee (same as I get at other library branches per hour). This is for June. The write-up about it will soon go on their website and I’ll post that in future when that happens in case anyone is interested in taking this course. It is free to library patrons – the only catch being you can’t have taken another version of the course previously at that library branch.

So, sometimes putting it out there will bring in some help. Sometimes you just have to yell and complain a lot to be heard.

Now, I just have to figure out how to afford to get through May with no extra income and less CPP. I have gardening and yard supplies to get, trees to be trimmed, and one of my handyman to be here to do some tasks.

Plus I have a horrendous water bill – over $230. and a lot of that has to do with the City not billing often enough. Last bill was in December and this one that just came is due May 9. Plus there is a property tax bill, etc. etc. etc.

Looks like a few health-related issues may have to be put on hold.

But all that is for another post.

Cheers.

Sharon

Only Child Writes

 

 

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Filed under finances, God, Home and Garden, Librarians, Libraries, Memoir writing, Memoir writing course, Only child, Poverty

Only Child’s thoughts on living poor

Only Child and her son Martin who helps her survive.

Only Child and her son Martin who helps her survive.

Except for a couple of years, I have been living on or below the poverty level for nearly 18 years. So I think I speak with some “personal authority” on how it goes.

It is a mixed bag, but unfortunately you lose more than just money. Many not-so-good traits and habits happen. Living constantly in survival mode has turned me into a skeptic, made me cranky, angry, sometimes rude, pessimistic or overly optimistic, which I know doesn’t make sense. I have learned to watch the optimism because that can too soon change to the opposite.

Money may not buy you love (the jury is out on that one), but without enough money to live on, I do some things others might find crazy or unbelievable. My biggest financial issues don’t usually include food (more on that one in a sec), but health and home  (including utilities’ escalating costs and repairs). Despite scrupulous monthly budgeting, my health expenses always go above budget – the last few months hundreds over budget. The latest is my prescription eyeglasses which have to be replaced. My vision (excluding the glaucoma) is the same as when my eyes were tested the end of 2014 when I purchased my new prescription glasses, so getting a new pair of glasses now doesn’t please me, to say the least.

Saturday I had just returned home from the first round of grocery shopping, placed my bags of groceries on the veranda between the front doors and hauled out my keys. The keys slipped from my fingers and fell to the ground. When I bent down to retrieve them, my sunglasses fell off, landing on the soft bags. One frame side (the part attaching to the ear) fell off. I was very angry at God (not watching out for me)  and after putting the groceries away and eating a light lunch, I rushed to The Bay Optical where I had originally purchased the glasses. They can’t be fixed permanently because of how it broke off and the company doesn’t make those frames anymore. So, a whole new pair of glasses. Of course, the one-year warranty was up but the optician glued the frame back on and after I went into my poor senior-living status and I asked, she did agree it could be glued on again until I could afford a new pair. Because my vision is the same, so same prescription, the cost is a bit lower – but still more than I can afford now, what with house and property repairs – the eaves trough situation I had blogged about previously and the one property thing I was saving for – some tree and branch removal issues. Hopefully the temporary remedy my son suggested for the eaves trough will work a bit longer than planned. Trees must be done this spring, the earlier the better before leaves appear and plants around the trees pop up.

The health issues escalate the supplements and now there are the monthly eye-drops and having too much income to qualify for the Ontario government drug co-payment play for seniors. The government scrapped the increase on this plan (I would still be above a few hundred dollars in income to qualify). But the deductible starts all over again each Aug.1. Fortunately my son will now pay the difference.

That brings up something on a broader scale. CARP (formerly  Canadian Association of Retired Persons) has stated that many seniors don’t get prescriptions filled because they can’t afford them. CARP is lobbying the government for a Canada-wide drug prescription plan for seniors – heck everybody could use one, at least up to a higher income level.

As for food, I do budget and usually stay within it each week, occasionally go a few dollars higher, but then sometimes I’m under budget. Not easy. Here’s my little secret – I ration my food, not only spreading out meat and fish dishes into several meals, but dividing up some fruit such as oranges into two or three meals (depends on the size of the orange). I buy lots on sale and yes, there are some tinned meats and fish in my food repertoire. In spring and summer I have a vegetable and herb garden, so that helps.

The garden is one big reason I continue living in a house. I also like this house (despite the property problems that crop up). My garden, my writing, my family and friends, reading, TV, walking help sustain me.  They have to. I can’t afford even a few concerts and plays, travel only to visit family (I am grateful for that) or the occasional day trip to Aurora and the like. Bucket list? Can’t afford to carry through with anything on a bucket list.

Living poor is a struggle. Perhaps the only plus is learning to be resourceful. But at what cost? Your health? And one thing I have learned from experience – mine and others. You can’t depend on God to help. Just look at all the poor people, especially the homeless. God helps those who help themselves? More like, just help yourself – if you can.

Cheers.

Sharon

Only Child Writes

 

 

 

 

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Filed under CARP, finances, God, Health, Health Seniors, Healthcare coverage, Home and Garden, Life demands, Old Age, Poverty

Only Child always living in survival mode

Only child ponders finances, health and the like

Only child ponders finances, health and the like

I am constantly living in survival mode and I’m fed up with it all. As I seem to get rid of one obstacle two more show up. So, here is more of my Why I Hate the World I Live In list. It is only partial, or we would be here until Easter.

1. The Federal Government has cut back on my Canada Pension Plan payments. They are saying I wasn’t making enough in my business to contribute enough, so from 2012 to now, they are cutting back each month. The cutback is only $1.00 and some odd cents a month and I’m not complaining about that. My beef is that they are deducting the whole difference for my May payment. That will cut into my meagre monthly food budget as I have nowhere else to cut. It’s the fault of these uncivil servants in the CPP department – they are supposed to be monitoring the situation but why every four years? I didn’t even know they could cut back and arbitrarily steal the money back. Not that it is much for me, but I am going to need every penny I can get (see points 2 and 3 below). I can dispute it and will do so formally but all they might do is spread out the amount they are taking back. And to call the CPP part of Service Canada, I had to go through my MP’s office and she connected me through the French line. Even she couldn’t get through even to wait in line for the next available person. At least the French guy spoke good English and gave me good information so I can proceed with my dispute, etc.

2. Problems with weather and animal-related (read “God” here) damage outside that will require repairs. Actually for the minor expense one, my handyman shares the blame with God’s windy weather. He didn’t put a new downspout extension in one spot or secure the old one enough, so it’s fallen off and I can’t get it or the new ones (yes, I did buy the new) on. He is waffling about when he can get here to fix it and no doubt take more money from me. The animal-God one. I will need new eavestroughs this spring because the middle of one on the far side of the house is bent out like a boat. So in heavy rainfalls (like we had last week and yes, some water did get in my basement from it) the water just p0urs off the side of the eavestrough there and onto the ground and seeps into my basement. The latter part is Nigel Applewaite’s fault for his faulty sealing job in 2011. But most of the blame is raccoons  on the roof and raccoons are nature, so from God. I talked to Mike about this last week. He was the one who found this problem late last fall when he was putting up the heating cables. Now I find out he doesn’t do eavestroughs and he says those who do usually don’t replace just the one side but do the whole thing. He said he would check with his colleagues on that. I told him to emphasize to them that I’m a senior living below the poverty level. My ex-husband would pay for half of this, and I might be able to manage half for one eavestrough side, except for No. 3 below.

3. One of my repeat editing clients needed me to edit her latest book. We agreed that because I was meeting a publisher’s submission deadline with my latest Beyond mystery book, that I would edit her book in March – as long as I finished by the end of March. I finished the Beyond book a few days early and when I emailed her about the edit, her reply was she had already had her book edited by someone else. At first I said I was glad that she got her book manuscript edited. Now, it’s a different story. I’m mulling over what I will do here besides keep trying to get more clients to start work with now. I have some for April on.

4. This one is a health issue. According to my optometrist I could lose the sight in one eye – because he didn’t tell me the whole story at the year before’s eye exam and didn’t follow up. All he told me back then was some pressure in the left eye and may need eye drops, so he wanted me to come back in soon. I decided to wait until I got my new glasses and got used to them. Then I got busy with other stuff and forgot. He should have had his receptionist or whatever her title is – phone to remind me a month or so later if it was so important. Would I have gone in then? Yes, if before late June last year when all the other health issues came at me, overlapping. End of this January when I went in for my annual check-up he chastised me for not making an appointment and included that I would have seen a specialist then. Excuse me. He never mentioned going to a specialist back then. I was too shocked and worried to give him hell for that, but I probed and probed about what it was all about and why couldn’t he prescribe the drops. Optometrists can do that. He didn’t give me an answer. So next Tuesday I’m off to the opthamalogist’s to get my death sentence.

Because if I lose any of my senses (and I have partial hearing loss in my left ear, but can manage so far with that), I’m ready to do a James Darren. Well, not Mr. Darren himself, but some of you may remember one of his first big hit in 1961, “Goodbye Cruel World.” Unlike him I won’t be joining any circus. Hey, I may not be able to see the tightrope, let alone the non-existent safety net in this world.

The odd thing here about my sight is the actual vision is exactly the same as last year when I had to get new glasses. So, my glasses have helped here.

Cheers.

Sharon

Only Child Writes

 

 

 

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Filed under Eavestroughs and dowspouts, finances, God, Health, Health Seniors, Life demands, Only child, Opticians and Optometrists, Poverty, Vision

Only Child in financial crunch thanks to health issues

Only child ponders finances, health and the like

Only child ponders finances, health and the like

Looks like what I do for my health will not only depend on my time, but my finances. Surprise! Surprise! I say that sarcastically as I am one of many seniors who live below the poverty level and have to make choices what we can really afford to pay for. And I have known that for years.

Food, utilities and property taxes, family, property, insurance and book promo are at the top of the list for monthly payments, although not necessarily in that order.

So where is health? Yes, it should be on the list, and maybe it is – somewhere. (I haven’t listed all the categories for my monthly expenses.)  But in the last nine months or so health has stolen from my finances and my time – the bad health issues. I don’t mean buying healthy food and eating healthy food. I seem to be able to keep within food grocery budget (so far), but whatever I budget for health each month is never enough. And that is just the basics I spend on health each month. Basics for me is a lot of vitamins, minerals and other supplements. Necessary for me. A few quick examples. I have to take mega-doses of Vitamin D from November to end of April becaue of our you-know-what weather in Canada (the word begins with “f”), there is little winter sun. The body doesn’t keep Vitamin D so it needs constant replenishing. I have a digestive disorder so have to take probiotics and digestive supplements. And then there are the various supplements, etc. for my allergies and re-occurring sinisitus from the allergies. But those are basic monthlies and don’t take into account all the extras such as dentist, serum for allergies, and all the health emergencies that come up.

In previous posts I mentioned that I am dealing with one big health issue a  month – even if the related health practitioners don’t like it. The focus had been on my time. I love my late mom, but don’t want to spend my senior years like her – a long litany of various medical appointments that didn’t improve her health and didn’t save her life. For example, medication for her arthritis didn’t make it better. She lost her job because of her arthritis. And thanks to the arthritis, she had a fall, which led to an undetected brain aneurysm, which wasn’t found by any of the litany of medical experts she saw – until it was too late and it sent her into a five-day coma, which killed her – despite surgery.

I rest my case with that aspect.

But the financial. This month was earmarked by me (in conjunction with my dentist – at least I was following his direction here) that I needed my (hopefully – experience has trusted me not to trust anything where health is concerned) last dental appointment to fix the residue of the dental emergency in early December had to be in February.
Well, I made an appointment for Feb. 17, but have since moved it to Feb. 29. That’s a time thing. For those who read my author blog you will know I’m in a big crunch to finish my third Beyond mystery book to get it to the publisher by Feb. 28. Of course, if accepted, there will be more changes and rewrites. But I moved the dental appointment to after the publisher’s deadline – I cannot afford taking time from my writing day this month to do medical appointments for medical practitioners who don’t have evening and/or weekend hours.

But now I can’t afford to pay the dentist this month. He is very understanding about lowering the fee, but I’m hoping he will accept post-dated cheques for over the next few months. Starting with March, the property taxes return. I have a horrendous hydro bill coming later this month (horrendous because hydro’s credit which provided dollars off ended January 1). I have applied for the new electrical bill help which could give me $30 a month off or $60 a month for each bill which is bi-monthly.

Won’t be this current bill. My application has been received. I got notice of that last week, although it was a month since I sent it in. I was told when I phoned in last week that it would take two to four more weeks before being approved because the consent form takes the time.

Well excuse me. I filled out and signed the consent form and there is only me involved for consent for them to get a copy of my income tax notice of assessment for 2014 – the latest available. Oh pardon my ignorance – that is two different governments.

So, to return to health issues. A business colleague just published a book called “My Business Ate My Life” – a self-help (with some humour) guideline for small businesses who spend 24/7 with their business. If I wrote a similar book, the title would be “My Health Ate my Life.”

Being old is not fun – with health and finances. And, for those who are wondering – I can’t afford to pay for one of those extended health care plans. I have looked into a bunch of them – monthly payment all too high for limited coverage a la carte.

Cheers.

Sharon

Only Child Writes

 

 

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Filed under Health, Health Insurance, Health Seniors, Hydro Rates, Insurance, Life Balance, Life demands, Money, Old Age, Older Women living alone and health, Poverty

Only Child celebrates birthday

Birthday_birthday_cake_3Today is my birthday. Didn’t the Beatles have a song that started out something like that? Which would be appropriate as I was and still am a Beatles fan. And yes I went to a couple of their concerts at the old Maple Leaf Gardens in Toronto and screamed my throat out – back in the mid 1960s.

Some people reflect on their year and what is ahead at the end of each year. I do some of that, but the annual birthday may be just as appropriate, if only for the “I’m getting older” factor. Birthdays are a reminder of that. When you are a senior, like me it is very mixed.

Yes, I would like to be  around 10 to 15 years later – if I could have my so-called wisdom and experience and my son would be the same age as he is now.  And be in good health and afford to live.

First the bad side of getting old and I will paraphrase my neighbour from down the street (also a senior). When I mentioned that I had been experiencing a lot of health issues the past five months, she said that this time in your life it is supposed to be when we can retire and enjoy life. She said it as if she didn’t believe it anymore.

She is right. Life in the senior lane can be awful. The body fails; the mind fails and for some people it can be very lonely. Add in living in poverty, despite all those glowing retirement ads and stories. Not all of us are rolling in money. Some (myself included) live below what Statistics Canada states is the upper level for singles (all ages) living alone.

Heck, last year when I had that dreadful boarder living here (I finally kicked her out and am glad I did), my net income was lower than the year before when she was living here only five months, not 10. Turns out she drained my electricity and water and that upped those bills.

And utility bills, with or without boarders, are high. So are property taxes and not just for seniors. Many of us live on a budget and certain things (like extra health coverage for health areas not covered by government health plans). Many of us don’t have access (via our or spouses’ retirement plans) to extra health plans, so we do without. We may have to choose one extra area to focus on. Eventually the others will fail us in old age.

And more things happen. So far my memory and forgetfulness haven’t worsened – I don’t think. On days when I have too much going on, too much bad being shoved my way to deal with, I wonder about that. That’s why I’m continually trying to prune what I do and also get rid of the clutter still left in my home. Right now I’m focusing on all the excess paper in my home office. The laundry room and storage there is next – but a lot of that is garden stuff dumped inside now that garden season is about over. I say about as there are still a few more things to do out in the garden and the weather might just be co-operating this coming weekend.

So, what do I give thanks for on my birthday? What do I still like in my life?

My outside garden obviously. In winter I try to compensate with lots of plants inside, but it’s not the same – so I do plan for next year’s garden.

My writing – particularly my Beyond mystery series and personal essays. And promoting my books. And something new I just started and enjoy – doing short skits as public presentations where I dress up as my main Beyond Blood character Dana Bowman.

Teaching writing workshops/running my East End Writers’ Group and helping and connecting with other writers.

Reading (and yes, print mainly although I do have an e-reader), walking, watching favourite TV programs and movies on TV. I’m old-fashioned enough to want to watch TV on a TV, not a computer, although I do watch short videos about the weather, gardening, health, writing and the like on the computer, also like cooking, and dining out with family and friends, going to street festivals, going into unique shops with crafts and the like (mainly “window shopping). And living in this house which I love (despite all the things that need fixing).

What do I want to do in the future?

Continue collecting info on my late father’s ancestry and reconnecting with cousins on Dad’s side of the family (particularly another one doing some genealogy research in that area), travel more – but not by plane. I don’t like all the excess security for those of us who are not security risks. I think my ex put it best when he said something about removing shoes was what got to him. But he and his current wife do still travel. Me, I want to travel more by train to Quebec province (where my dad was born), the train trip out west to BC through the mountains, and to my cousins’ in a medium-sized town in Michigan. One cousin has offered to pick me up at Windsor or Sarnia and I’m hoping to take him up on that later next year.

And more money to come in to pay for extras including house problems and travel.

I also wish for my health not to get any worse.

To tag on to the above two -house and health. If the latter gets too bad I don’t want to hang around. And I don’t want to go into a nursing home or even a retirement home. My next stop, I say, is the urn.

If I have 10 to 15 more good years (see above for what I consider good/not good), that will be fine. Living to an old age for most people isn’t worth it if you are sick in mind and/or body and are just wasting away.

Cheers.

Sharon

Only Child Writes

 

 

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