Tag Archives: Financial problems

Only Child looks for any silver lining

Only child contemplates the world we live in

Only child contemplates the world we live in

The world circa 2015 is going to worse than hell in a hand basket. Try nowhere in a rocket. Even Superman, faster than a speeding bullet, can’t save us.

Every day I wake up to more bad stuff – both in the wider world and personally.

The worst part may be that 90 to 95 per cent I didn’t cause.

Consider the following:

Worldwide: the weather – there is not a place in the world that is safe from extreme weather. Those who follow my blog posts here know who I blame for this (Hint: “dog” spelled backwards). Even waking up to the sun shining doesn’t provide much hope. Think skin cancer, windburn to evergreens, etc.

Worldwide: terrorism, financial debt, unemployment, overuse of too much technology, rudeness as the norm, etc.

Personal: problems with utility companies (don’t get me going here), computer problems, house and yard damage (much due to weather) and resulting financial problems and health problems, time management problems (some of the latter is my fault), etc.

I think you get the picture and it isn’t pretty.

The only solution seems to be to get away from it all – but where to go – a one-way ticket to outer space?

So I “hide” deeper in my writing. But excuse me – first I have to finish going through all the year-end bookkeeping for my business and do the tax stuff. No doubt to get “robbed” by the CRA – more money I don’t have much of to be forked out.

I am polishing up my tin can – a big tin can.

Lottery tickets don’t work for me.

 

Cheers.

Sharon A. Crawford

Only Child Writes

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Filed under Civility, Computer problems, Health, Income Taxes, Only child, Problems, Sharon A. Crawford, Sign of the Times, Technology overload, Technology problems, Uncategorized, Weather, Writing

Only Child robbed of time etc. by poverty

Only Child  contemplates some harsh financial realities - again

Only Child contemplates some harsh financial realities – again

Living around the poverty level has another bad effect on people. Not only does it kill you but before you die your cognitive functions will nose dive and your time management will fly out the window. I’m living (so far) proof as my poor (pun intended) brain is drowning in trying to get around living like this.

This year seems to be the worst as work has dried up since early July, although there are lots of promises of work to come from next week – writing and editing plus I’m teaching a memoir writing workshop Oct. 1. Hopefully all those readings with other writers (which I’ve been helping plan) will boost book sales or I will be going way Beyond the Tripping Point (the title of my mystery short story collection, Blue Denim Press, 2012). I even have a boarder, temporarily, a friend who needed a place to stay until she gets into public housing (long story and it’s her business). She is paying room and board and helping with buying groceries beyond that. For this I am grateful.

It’s the lacks that are eating away at my brain and my psyche. And I never had that as a child. I’ve blogged about that recently. This year I couldn’t even afford to go to the Canadian National Exhibition, which I usually attend annually. And it’s only $12 for seniors to get in.

A recent study published in the journal Science backs this up. Among other things the study says that poverty uses so much brain power that people living in poverty don’t have enough mind juice to deal with other areas of life, such as good steps to get out of poverty because they are too busy with poverty-induced issues such as finding ways to cut-costs, borrowing etc. to try to pay bills. All this steals from your time, time better spent trying to improve your situation – education, job training, or in my case, marketing my skills. As a result, they make bad decisions which can keep them living longer in poverty. The study was conducted by researchers at Harvard and Princeton Universities (USA) the University of Columbia (Canada) and the University of Warwick (UK).

You can read more about these studies at http://www.medicalnewstoday.com/articles/265501.php and http://news.xinhuanet.com/english/health/2013-08/30/c_132676023.htm

I have only two more points to add to this poverty situation – house repairs and continually spiralling utility bills. This month, for the first time I have all utility bills (and property taxes too) to pay and two have their rates gone up. To add insult to this injury, I’m paying the gas bill in two parts – the regular leftover year-end bill and the sort-of –last bill of the year – the one which bills for the difference in the monthly equal billing and the actual usage. Unfortunately, the winter was harsher and we had a long cold spring, so usage was higher. I phoned Enbridge Gas and complained. Apparently they were too stupid to gauge that winter just might be harsher than the one for 2012 and they no longer automatically adjust your equal billing to reflect higher amounts used. I pulled the senior’s card. That got me a division of payment – but I’m not sure it makes much difference if I had paid it all last month or part then and part now. I still have to steal from so-called senior savings (RRSPs and the like) to pay for basic food and some of the bills again this month. It would help if the promised work would come in.

Are you listening God, Universe? Sometimes I have to shout very loud to be heard. So do many others I’m finding out.

It would be interesting to discover if those not being heard are predominantly those living around the poverty level.

Next study on poverty please?

Cheers.

Sharon A. Crawford

Only Child Writes

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Filed under finances, Life demands, Only child, Poverty, Seniors, Time management, Uncategorized

Only Child on living barely above the poverty level

Only Child  contemplates some harsh financial realities

Only Child contemplates some harsh financial realities

I received a shock on Sunday when I was interviewed for a survey at Toronto’s Harbourfront Centre. For one question, “What is your income level?” the lowest category started at $40,000. I just looked at the guy and asked, “Could you repeat that?” My reply? “Below the lowest category.”

I almost had to laugh when he asked how much I was spending that day at Harbourfront. Should have said “nothing, because I can’t afford to.” Instead I said “I don’t know.”

This is the way it is for those of us who live barely above the poverty level. In case you are interested, the poverty level for a single person on his or her own in Toronto is just under $19,000 annually.  Sometimes my monthly income from all sources is below or at the level that some of my friends have to pay monthly for renting a two-bedroom apartment. So, despite all the crap with the house, I am grateful that I do live in a house and have no mortgage.

I’m reminded of my parents and the everlasting budget, no doubt instigated by my practical-minded mother. In my memoir I write:

Late at night, long after my parents think I’m off in the land of nod, they discuss the family finances. Their loud whispers seep under closed hallway and bedroom doors.

“But we can’t afford that,” Mom says.

“We need . . .” Dad’s voice seems to hit the hallway door.

I throw off my bedcovers, sit up and strain to listen. I never get a clear idea about their plan until it happens or my parents discuss the revised version at the dinner table the next day, (Excerpted from You Can Go Home: Deconstructing the Demons, copyright 2013 Sharon A. Crawford)

We didn’t live beyond our means but we were never in debt. Not so with me. My only ongoing debt is that line of credit but I try not to get into it if I can help it. All other credit purchases I pay off in full when due.

What irks me is those unexpected expenses coupled with client work expected to arrive and it doesn’t because it is not ready for editing or evaluating.

That’s what happened this month. I budgeted to pay for those  two new window blinds, long needed. (The kitchen one fell on me last summer and the bedroom one was falling apart bit by bit for years). I ordered the service at the annual Home Show and Sears gave me 10 per cent off. This month I did receive a couple of extra payments including the final fee from a client whose worked I finished late in June. There should have been enough for the regular expenses and to pay Sears for the blinds.

However, I had to buy a dehumidifier, pay my lawyer for updating my will (he does give me a discount because I’m an old childhood friend), and the city water and waste bill usually coming in August arrived this month. (Is this a permanent schedule change that the city officials forgot to tell us?) When I totalled all that up, guess what? It’s about the same amount as I owe Sears for the blinds. So without the new work and its deposit payment, I have to hit the few and dwindling RRSPs – again this year – to pay my Sears bill on time.

The race is on which will go first – me or the RRSPs. No bets on this end and at this point I’m not sure I care.

My garden and writing are my salvation – the former for many things including a food source and the latter to help earn a living and to write about the highs and lows of living poor and also writing fiction – sometimes with ideas from my life, often creating disturbing stories.

Maybe you have to live hard in order to write good stories. My mystery short story collection Beyond the Tripping Point (Blue Denim Press, fall 2012) attests to this. Check it out at https://www.youtube.com/channel/UC505OMPiVNy27zCFfND_8WA    which has videos of me being interviewed about my book and one (three minutes long) where I read from one of the short stories, “The Body in the Trunk.”  A disclaimer here. No, I have never transported a body in a trunk or any other way for that matter. After all, I don’t drive and can’t afford a car.

Cheers.

Sharon A. Crawford

Only Child Writes

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Filed under Budget and budgeting, finances, Gardening, Home and Garden, Mom and Dad, Money, Only child memoir, Sharon A. Crawford