Tag Archives: Income Taxes

Only Child finds solace in her garden

Part of Only Child's rose garden in front by the sidewalk

Part of Only Child’s rose garden in front by the sidewalk

I’ve been seeking solace in my garden to get away from all the crap that has been shoved my way the last month or so. That is when one of these stressors – weather, i.e., heavy rain and winds – hasn’t gotten in the way. And the crap keeps piling up. Now the CRA messed up my tax returns on the notice of assessment and when I called they admitted their mistake and it will be fixed. Meantime, “the system”  won’t know this and so unless it is fixed before early July, the amount the Notice of Assessment says I still owe (but don’t) will come off my GST rebate for July and I won’t get my provincial tax credits (also July) until the situation is fixed. All for some clerical error at CRA. Not fair. I need that little extra to survive, or once the property tax and utility bills are paid, I do without somewhere (read health expenses for one).

My garden is my lifeline to comfort and some food. When I walk out into my garden and see they symmetry of the perennials, the shrubs, the raspberries starting to form, the onions and other vegetables coming up – even the ground where recent seeds were planted – I get some solace. The blend of colours – some white, red, yellow, blue, greens, silvers, and lots of shades of purple – the only spiritual nourishment in my life as I get no spiritual nourishment and help elsewhere such as traditional or non-traditional religion and faith. Faith and trust don’t seem to be in my vocabulary these days and it’s not by choice but from what’s been happening.

So I go out into my garden and absorb – sight, sound (birds), fragrance. I literally smell the roses which are now just beginning to bloom.

But there is a dark side to when I’m in the garden. Pulling weeds and digging are good ways to vent your anger and frustration. Each weed I dig up or yank out symbolizes the people, etc. who make my world worse. The pulled weeds are placed in the yard waste bins for city “garbage” collection to be dumped somewhere to go back to the earth. Appropriate. When we die our bodies disintegrate (if not done for us with cremation) back into the earth. A fit place for my stressors.

Sitting out in the garden in the sun or shade, reading a book, eating meals on the patio, or just taking in all the garden or collecting flowers are (along with writing) how I cling to sanity. Whatever sanity means these days.

Cheers.

Sharon A. Crawford

Only Child Writes

Advertisements

Leave a comment

Filed under Gardening, Gardening health benefits, Healing through gardening, Income Taxes, Life demands, Only child, Rain and wind storm, Roses, Sharon A. Crawford

Only Child on seniors’ age versus finances

Only Child  contemplates some harsh realities

Only Child contemplates some harsh realities

When is a senior a senior? Is it 65? Or 60? Or maybe 59? Or maybe 70? Being senior is not necessarily your age, how you feel or how your health is. Being senior boils down to one thing – money.

Last week I did the draft of my income tax returns for 2012. Not only was the income from all sources paltry but what I can’t claim for senior tax credits upset me because I’m not quite 65 – the age the Canadian Federal government puts for seniors’ tax credits, Old Age Security  and Guaranteed Income Supplement payments (the latter can be clawed back when you do your tax returns).

But, wait a minute – the Feds aren’t consistent here. Canada Pension Plans can be paid out from age 60. Last year I opted to start receiving them and many months they saved my bacon. But if my tax calculations are correct (or nearly correct – I have to go through the draft again) my income tax payment is around the same amount as one month’s CPP payment.

Besides not qualifying for seniors’ tax credits, I’m not married or living common law and don’t have a child under 18, so can’t qualify for those tax credits either. My medical-health expenses either don’t qualify or aren’t sufficient to work in with the percentage deduction there. So I’m left with tax credits for a bank service and for having a pass for Toronto public transportation. Oh, I can fill out the form for Ontario property tax credits (age isn’t a “qualification” here) – but it is no longer used as a tax credit when filing your taxes – if approved, you get a monthly payment for the next year.

But wait a minute: the Toronto Transit Commission seniors’ age starts at 65; Shoppers Drug Mart is either 60 or 65 (depending on who you ask there), Hudson’s Bay is 60, Sears is – well I don’t know as their Sears Advantage seems geared to all adult ages. VIA Rail is 60.

Can’t we get this age senior setup consistent? I suggest 55, although that won’t help me now. Of course, that isn’t where governments are thinking for seniors’ age. Freedom 55 is more of a dinosaur than we seniors are.

Where does that leave a maybe senior who is living barely above the poverty level (counting all income sources) for a single person living alone in Toronto? (And I did a Google search for that so I’m not making this status up).

Where it leaves me is having to hit on my RRSPS (which are so meagre they wouldn’t keep me for half a year) to pay my taxes and other non-regular expenses (house repairs/replacements and the like). I don’t have a company pension and it’s too late (in my years) to get into this new government pension setup for self-employed. My freelance income sure isn’t sufficient (maybe if I could spend more time at it instead of dealing with repairs and housework, it could improve. But that’s all part of “the only person living just above the poverty line syndrome). I know I’m not the only “senior” swaying in this boat.

So I do an annual hit on my RRSPs? I figure the way things are going (stress, worry, problems, even health) if I don’t they might just outlive me.

Excuse me while I attend to the latest problem – my printer is acting up – it is printing only one page at a time, even when set to do more. And I checked the connections – even switched to another power cord.

What do you think of all this senior age-money nonsense?

Cheers.

Sharon A. Crawford

Only Child Writes

Leave a comment

Filed under Ageism, Aloneness, finances, Income Taxes, Living alone, Old Age, Old Age pensions, Only child, RRSPs, Seniors, Worrying