Tag Archives: poverty level income

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 below the poverty level

Only Child  contemplates living in poverty

Only Child contemplates living in poverty

A Google search on poverty levels in Toronto brought up this shocking information. The poverty level for a single person is $19,930 a year. That’s after taxes. Depending on your sources, that figure pertains to somewhere before 2014. See http://www.povertyfreeontario.ca/poverty-in-ontario/status-of-poverty-in-ontario/

Before or after 2014, that figure really hit home with me.

I just finished doing my 2014 income taxes in late April, so income before and after taxes was still in my mind. It turns out I am living around the poverty level for a single person – but before taxes, so I guess after taxes it is below the poverty level.

And that’s with having a boarder here most of last year – until late October – I kicked her out – with a few months leeway because according to her plan she could be here indefinitely until she found a job and was secure for six months in it. She is/was on social services (called Ontario Works here in Ontario). So the extra low monthly boarder rent income wasn’t making much difference to me as the poverty-line figure shows. My friends told me this boarder was just taking advantage of me anyway. But that’s a story for another post. At least my hydro and water bills are much less now.

I am also a senior and while I am grateful for the Old Age Pension and Canada Pension Plan, they aren’t high enough. Especially the latter, which varies with each person depending on how much you put into it when you worked. And being self-employed for the past 18 years, and before that, sporadic full employment from the late 1970s, doesn’t help increase the CPP. The Federal government does give you some extra CPP allowance (seven years I believe) to allow for raising a child from birth. There are tax credits that are doled out monthly and one in a lump sum – some are senior-specific. And I do get some alimony from my ex-husband.

My self-employment? Not as lucrative as even a couple of years ago.

The Feds also have something called the Guaranteed Income Supplement, which I signed up for when I signed up for the OAS. But I haven’t heard hide nor hare back about that – probably because your income has to be under $17,088 annually. See table at http://www.servicecanada.gc.ca/eng/services/pensions/oas/payments/index.shtml

That’s  $2,842. less than the poverty level income for a single person. Something is wrong here.

All that isn’t enough for the rising costs of living. I have health issues and take natural supplements because drugs don’t agree with my body. Yes, there are drug plans for seniors and others but you are on your own with natural supplements. The basic Ontario medical coverage gets skimpier and skimpier in what it covers and purchasing extra health coverage from private companies is too expensive.

So I end up using my line of credit to cover the more monthly expenses than money coming in. And I don’t go on shopping sprees for anything and take only one holiday a year – visiting family. I forgo a lot of entertainment (like plays and movies and some concerts) I would like to go to because I can’t afford it. Free entertainment is what I look for. Street festivals and other free events and lectures outside home. I walk a lot, garden, read (mostly books from the library but I do buy a few from writing colleagues) and do readings and other presentations with other crime authors for my Beyond mystery series. I socialize with friends, an occasional meal out – sometimes they pay – and sometimes we go to garden events (free ones) together. I am fortunate in that I have a son who helps me with computer problems and takes me out to dinner for my birthday and Mother’s Day. He is even paying for a new chesterfield for my living room – his idea at Christmas – if I can find the time to finish looking around for one.

This all makes me wonder how others with less or even the basic poverty level income, can manage. I don’t have to pay rent as I’m a homeowner (and fortunately no mortgage), although with all my utility bills needing paying this month, plus other regular monthly bills to pay, the total here came to above what my May income is. And that’s before the cash items such as food and health.

So I grow some of my vegetables and fruit in the garden.

That is if I can get someone to take me to the garden centre to get some topsoil. Another long story here for another post perhaps.

No wonder I’m cranky a lot of the time. I think I have a right to be cranky.

Cheers.

 

Sharon

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Filed under Family, Gardening, Health, Health Insurance, Health Seniors, Healthcare coverage, Income Taxes, Money, Old Age pensions, Only child, Poverty, Seniors