November 2018 Budget Check-In!

Hi, everybody! I am SO SORRY I haven’t updated the blog in a week. I have been feeling awful mentally lately and its hard to write when you don’t feel good. 😥 But I am still here, dang it! > _<;

Well this month, it is time for November’s Budget break down! Come and see where all of my money went in November! ^ o^

Rent/Monthly Bills: $500.00

This category is what I pay each month toward rent and monthly bill-like things.

Activities: $0.00

Nothing going on this month! I will be getting a haircut in December though because my hair really needs it, haha… @ _@

Groceries: $113.59

Not bad for this month! About average I would say! 🙂 What really clocks up this total is me buying canned sparkling water and Quest energy bars. And the energy bars are the worst. Not only does the company who makes them not sell them in bulk, but when you do buy them in bulk, you are NEVER saving money. You just end up spending how much you normally would pay if you would bought that many bars in bulk. Maybe you save like a dollar when buying them in bulk because the cheapest these bars go for in bulk are $2.00 each, but individually, they are sold for $2.17 each at the Frugalpants Grocery Store, or Winco.

So, I have switched to buying them in bulk at Target to save a buck or two. Wooooooooo… > _> But alas, I think Quest Bars are the best energy bars on the market, so I buy them to eat for a quick breakfast. Helps if you eat one a day to keep them around longer. : P

I also made some Gyoza (Japanese dumplings) this month with ground sirloin, velveeta cheese, and mixed in a bag of Mexican veggies with everything. 😀 Love having dumplings around for a yummy meal! ^ _^

Household Expenses: $194.26

Almost reaching $200 in this category this month! O _O I guess I needed a few things, haha… ^ _^; Things included in this category are makeup bags for storing things in (trying to get away from plastic…), Shout Sticks, a knife sharpener, wooden clothes pins, and my annual $9 Operation Christmas child donation for tracking labels I put on my shoe boxes. 🙂

And speaking of Operation Christmas Child, I just sent the boxes off last month! It was Collection Week finally and they needed to be sent off on their way! 🙂 And because my boxes have tracking labels on them each year, I get to see where they are sent off to and once again, my boxes were sent off to The Philippines! 😀 Seems that my boxes are needed there all of the time, so that is good! Not complaints here! ^ _^

Picture of me with my shoe boxes! 😀

OCC Pic

Misc. Items: $79.18

Not too bad in this category! There were a few splurge items that I could have lived without, but I would hate myself in the morning if I did not buy them… Dx This is basically the “splurge” category anyway, but there was this one item that I just could not do without when I saw it in November! I saw the CUTEST Betsy Johnson wallet at Ross and it was a wallet that looks like a teddy bear and the background of the wallet was covered in sprinkles. I picked it up, examined it, and then I said to myself, “The wallet is $15, but I would absolutely HATE myself in the morning if I left it here…” So I bought it. ^ _^

Check it out! 😀

bear

It’s hard to tell without a hand or a coin in the picture, but this wallet is a long wallet that holds dollar bills long ways. I really love it a lot! 8D But I think I got a great deal on it since I believe this item was an overstock item from Betsy Johnson since the Betsy Johnson tag on the wallet listed the wallet for 72 BUCKS ORIGINALLY on it! 8D So uhhh, I guess SCORE! ❤

Entertainment: $21.96

I came in low in the Entertainment category this month! I recently signed up for a subscription to the New York Times a few months ago when their subscription service was only $4 a month during a sale special and I am still locked into that. Have been enjoying it a lot so far! ^ _^ Will probably cancel it though once it returns to be around a flat all-in-one payment of 50 bucks a year for me though. 😥

Eating Out: $8.97

Nice and low! 😀 I don’t think I went to any restaurants in November unless LOCMom paid for my meal (btw, thank you, LOCMom! 😀 ). This month, after reviewing this category, I just bought snack-like items here and there. 🙂 Candy, pork skin chips, and what not. Nothing too exciting. 😛

Budgeted Items: $0.00

All clear this month! Woot woot!

 

And the grand total of how much money I spent this month is…

*drum roll*

Grand Total: $828.90

Woot woot! Mostly everything spent! Looking back, all was well. ^ _^ So far this December, I had to buy a lot of bulk food items, so I am feeling the heat budget wise already you could say, haha. But I am pretty sure I will be okay. ❤

How was your November 2018 budget?

If Social Security ever gets expanded, here are some changes I would love to see added to it!

Hey, everybody!

Today we are going to talk about our wonderful Social Security program and a hypothetical question to go along with it: If Social Security ever gets expanded in the future, what would I like to see happen with it?

Lets’ get started! 😀

There is A LOT of things I would like to see happen with people who are on Social Security, disabled or not. Here is what I would love to see happen with it in the future!

A Raise in Pay

CAN I GET AN AMEN? Living on $700-$900 a month in the United States is NOT easy if not impossible 99% of the time. For a lot of retirees, it is easier because of their pensions they saved up during their working years. But without those pensions, retirees would be SCREWED because of how little Social Security pays retirees each month alone. I know, I know… If you collect Social Security by the age of 70, you will get about $3000 a month and some retirees on SS do. But they are NOT the majority.  And if you are disabled like myself, you cannot even have a pension because we cannot save over $2000 currently. I know things are going to be changing with ABLE accounts, but while some of us in some states are still waiting for ABLE accounts to become available (looking at you California, but at least you have an OFFICIAL launch date now 😉 ), we are kind of stuck you could say and have been for a long long time.

A raise in pay for the disabled and retirees who collect Social Security benefits every month would be a WELCOMED CHANGE. Also, scrapping the “can’t save over $2000” cap that is keeping us in forced poverty would be a wonderful thing as well. I honestly think Social Security should come up with an ACCURATE formula for each person on disability for how much one would need to live comfortably in retirement and even for the rest of their lives living on SSI and let the recipient be able to save up to that amount and live off of that money for the rest of their lives. It may be different for each individual or maybe even the same for a lot of people, but it is only right and honestly, very human. Why would we or ANYONE want our elderly and disabled people like myself to live in poverty? Or anypne living in poverty in general? If ANYONE enjoys seeing us (or anyone else for that matter) living in poverty so much, then they are monsters who are apart of the problem in this world. No excuses.

Free Public Transportation

CAN I GET ANOTHER AMEN? Even though I am disabled, I cannot stand how freakin’ poor the public transportation system is in almost every city or town in the United States. You are basically a fourth class citizen if you do not have a car to get around. I know this because I live it every day. And yes, I would take the personal public transportation offered by the bus system in my town IF IT WASN’T $5-$6 BUCKS A RIDE ONE WAY. Imagine having to go into town for doctor’s appointments or just grocery shopping each day and having to pay $6.00 a pop for a ride on one of these personal buses? Not very frugal if you ask me and paying this small amount each day would eat away at one’s SSI payments in no time or probably in the beginning of the month when one gets paid by SS again. It’s like a small tax on the disabled and retirees WHICH IS WRONG. Of course, one could take an Uber, but that costs even more, so why bother?

Not to mention that what SSI pays me each month, I cannot afford a vehicle let alone the insurance cost to insure the vehicle each month, so that is why I do not own a car. Even if I was gifted a vehicle for free, with my small budget, like I said, I couldn’t even afford the insurance on the vehicle, thus I skip out on owning a car. I honestly think autonomous cars would be a GIFT to the disabled and elderly who cannot drive. But since they will not be several commercial services for these cars for a while, free public transportation would be an absolute blessing for us. Bonus points if this free public transportation would be provided by Social Security with their own government funded buses. Wouldn’t that be cool? 😀 

Rent Paid for by Social Security

YEEEEEEES. I would absolutely LOVE to live my own, but since rent is much higher than my SSI money I receive each month, I simply cannot do this. Sure, there is HUD and low income apartments, but with such a long list going on for YEARS, it would be impossible to secure housing right away if anything happened with my current living situation. But if Social Security paid for disabled peoples’ and retirees’ rents, or hey, maybe even their mortgage payment each month (it’s a stretch, I know), things would be better for us and we would not be forced into living situations that would not be ideal for our current circumstances.

With our rent paid for us each month, we would be able to live more easily. But this would probably work better if we also had a raise in pay each month of our Social Security. See the first reason I listed. 😀 

Also Free Internet (for EVERYONE for that matter)

YES! FREE INTERNET FOR ALL! The internet should be a human right for everyone in society. I also wish electricity and water were a free public resource as well, but you guys get the picture. 😉

If Free Public Transportation doesn’t work, free driving lessons and free cars for Social Security recipients PLEASE

This can also be applied to everyone in the lower income bracket and not just Social Security recipients, but having free driving lessons and even free cars for everyone who receives Social Security would also be a welcomed change. For people on SSI and for retirees, these cars would enable us to get around more freely or help the parents who are taking care of their children or adult children who are in wheel chairs or who are blind get around easier. Social Security could also have their own low cost or free government car insurance plan SS recipients can have to help them keep their vehicle insured enabling us to be able to keep these cars always.

And with free driving lessons paid for by Social Security, there would be a chance for people on SSI to learn how to drive and possibly get off SSI with adequate transportation if they wish too. Or to, you know, just have some sort of life outside of their home or wherever we are living? Including retirees! We deserve to have a life just like normal life just like regular people even if we are retired or disabled! CAN I GET AN AMEN?

Conclusion

So these are the things I can think of off the top of my head that I would love to see Social Security have for its recipients like me, whether we are disabled or retired. I think a lot of the things I listed are pretty good ideas and I hope they will included as benefits for Social Security recipients in the near future! 😀

If Social Security was ever expanded, what things would you like to see added to the Social Security program?

What I’ve been up to! (as of November 25, 2018)

Hey everybody! I am SO SORRY that I have been absent lately. I haven’t forgotten about the blog, I swear! I have just been feeling awful lately and I have scheduled a therapy appointment to have someone to talk to about the troubles in my life I am currently facing.

But today, I am going to tell all of you what I have been up to!

Started My Art Blog

Yup! Just started my art blog! It is called My Wandering Mind!

I have two posts on it currently and would have a few more, but like I said, I have been feeling awful lately and haven’t updated it lately… But I am hoping to keep it going! I will be posting art sketch dumps next, so please stayed tune if you would like to see them! : )

Until then, here is my first piece of artwork up on my blog! It is of Deku from the series, My Hero Academia. Hoping you guys will enjoy it. ❤

Shopped Goodwill Black Friday Sale

So I did manage to go to the Goodwil 50% Off Everything Black Friday Sale and this is my haul!

goodwill haul
The stuff that looks like a giant blob is my haul, haha… xD

I mainly bought exercise clothing for the winter since I did not have any for this time of year for about $2.50-$3.00 a pop! I’m always on the lookout for long exercise leggings as well, so I bought two pairs of them! And the rest of the stuff were wants basically, haha. : )

But I did have a lot of fun being my “natural environment” you could say. ;D

Made Green Bean Casserole

I don’t have the picture or recipe on hand, but I did make a green bean casserole for Thanksgiving! And oh my god… It was SOOOOOO tasty! ^ o^

I also went to LOCAunt’s and LOCUncle’s house for Thnaksgiving dinner and that was a lot of fun! It was fun spending time with them on Turkey Day. 🙂

Signed Up to Volunteer

So I have basically put in an application to volunteer at a local Retirement Home! Crossing my fingers that I will get accepted! It has been awhile since I have heard from them, but I am hoping everything is going okay with my application! 😀

And that’s about it…

So yeah, I have not been doing a lot lately. Just like luandry and stuff. *shrug* \ (‘ u’) / I wish my life were a bit more exciting, but it is what it is.

I am very sorry about the short blog post today! 😥 Just wanted to let everyone know that I stil care about updating the blog and haven’t forgotten about it. I’ve just been feeling too crummy to write is all and now matter how many “sunshine pills” AKA Extra Strength Vitamin D pills I take (one serving of them a day), I still feel awful. Hoping the therapy appointment will help a lot for me. ❤

What have you been up to lately?