Tag Archives: Seniors Finances and Poverty

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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Filed under Family and Friends, Gardening, Genealogy, Health, Health Seniors, Home and Garden, Old Age, Only child, Poverty, Reading, School reunions, Seniors and Happiness, Seniors Hobbies and Interests