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 did I do/buy this weekend? (June 2-3, 2018)

Hey everybody! This weekend was pretty darn fun! Come and see what I did! 😀

Saturday

On Saturday, LOCMom and I went garage saling and at most of the garage sales, I did not find anything, but the first garage sale we went to was a winner! At that garage sale, I managed to buy a picture frame holder for a picture I saved from a trash can in high school in case we didn’t want to hang it on the wall anymore in our new home or for just another photo in general. *shrug emoji* But the real gem was a night stand I found and bought for 10 bucks!

Check it out!

night

Pardon my messiness, I am kind of in the middle of making my new night stand look prettier, haha. 🙂 The only flaw with it however was the knob for the top drawer was a little lose, so I got some tools and tried my best to get the knob screwed back in place. I… sort of got it back in place, but the knob still turns when you move it a certain way. But it’s way better than it was before now! Guess I’m just going to have to live with it. Imo, 10 bucks ain’t too bad for a pine dresser like this even with a sorta’ faulty knob. 😀

Then, being as it was Saturday, I went out during the evening and had my cheat meal! I was craving some Chipotle since I didn’t want to eat any food that was too greasy and possibly gain weight, so the food at Chipotle hit the spot!

chipotle

Yes, I ate most of that. 🙂 But alas, I couldn’t finish it all off because it was A LOT of food! O _O;;; After eating as much as I could, I just tossed the leftovers.

After dinner, I relaxed all night basically and read more My Hero Academia! I really want to get caught up with the current manga chapter, but there is no hurry since these series tend to go on forever. *shrug emoji* However, the series is always a very fun read! 😀

Money Spent on Saturday

  • Nightstand – $10.00
  • Wooden Frame Holder – $1.00
  • Chipotle Cheat Meal – $10.00 – $11.00 (lost receipt)

Total Amount Spent: $22.00

Sunday

LOCMom and I first went shopping on Sunday and since I have been wanting a new folding event chair for a birthday present, we went to Sportsman Warehouse and looked at their chairs! Unfortunately, we struck out. 😦 My last two places I want to look now are Wal-Mart and Shopko. We also went to World Market and Bed Bath and Beyond and did a little browsing there.

The last store we visited though was my favorite… Goodwill! I checked all of my usual haunts in the store, but I managed to find some white drawer/shelf matting (see nightstand pic) and a Life Factory water bottle for only 3 bucks! Guys… These Life Factory water bottles go for $20-$25 BRAND NEW and I got mine for 3 bucks… WITH A LID! SCORE! I know, ya’ll are thinking, “EWWW, a used water bottle! Dx” However, this water bottle has a plastic lid you can wash to make it clean again and the bottle itself is dish washer safe, so a cycle through the dish water should take the old owner’s cooties off of it. 😉 I may or may not replace the lid, but I am leaning on keeping it though. 🙂 The water bottle is also made of glass and there were no cracks in it! YUS!

After shopping, we went to visit LOCCousinC and her two kids! We had a nice visit and I even got to hold their guinea pig, Buster! Oh my gosh guys… While I was petting Buster, he was SO RELAXED in my lap. He just loved to be held! He was such a little cutie. 🙂 We had a very fun time catching up with LOCCousinC and her kids and we will be seeing her again at my birthday party soon! 😀

Also, two packages from Amazon came today! One package had two shoulder strap pads in them for my impending folding event chair that I will be buying soon and the other soulder strap will be an extra for something else. 🙂  The other package was a duvet cover! Props to one of my wonderful readers for the duvet cover idea for my bed to replace my top sheet! 😀

duvet

I know, it’s not the sexiest duvet cover setup in the world, but it did work! Ironically, when I was going to use my new duvet cover the very same day, the humidity was just too warm to use a duvet cover anymore. Booooooooo. 😦 So I put it away and I basically had to use a top sheet to sleep with at night since it is always so warm in our house during the summer. 😦

And besides buying some Tums in bulk at Walgreens, I basically relaxed all evening. 🙂

Money Spent on Sunday

  • New-ish Water Bottle – $3.19
  • White Drawer/Shelf Matting – $2.19
  • Tums (Bulk Size) – $11.25

Total Amount Spent: $16.63

So all and all, a great weekend!

But I do have some exciting news to share! Because of a formula Social Security uses to calculate how much money I am suppose to get in disability every month, for June and July only, I will be receiving a bit of a raise from what I normally get! I am so stoked and so happy! With the raise I will be recieving, I will definitely be purchasing a new mattress for myself from a local mattress company that makes mattresses. I bought my current mattress from them about 5 years ago and it really needs to be replaced. 😦 I currently have padding on my bed so I don’t really feel my now wonky mattress, but having a new mattress would make a world of difference. Especially a mattress that is locally made by people who specialize in making mattresses. ❤

As for the rest of the money I will have left over, I have already spent it on a lot of things I really needed! Those needed items included the nightstand I bought at that garage sale and the duvet cover. 🙂 I also bought more healthy food at Costco than I normally do that will benefit my diet I am on and for my health in general. And many more~~~! I am just thankful and feel so blessed. I really wish that Social Security will be expanded someday and give everyone on it a raise that they truly deserve in this day and age. I wish the United States and the whole world would even get a raise! I feel that no one should ever have to live in poverty and it would be so amazing to see poverty wiped off the face of the Earth someday and not exist anymore. That is one of my dreams I hope to see happen in my lifetime. ❤

Hoping everyone had a fun weekend! 😀

How was your weekend?

I’ve become my own payee! Hooray!

Well, my mother and I stopped by the Social Security office this week and because of that visit, I became my own payee! At first, my mom was in charge of distributing my social security money to me, but since I am so financially savvy, my mom wanted me to take control of my finances. This financial savviness of mine didn’t happen overnight though. It took a couple of years of realizations and discovering frugality in order for me to really take control of the little money I have. But because of this, I am fully independent with my finances now! Woo hoo! *insert party hard Dumbledore gif here*

I also got to talk about Social Security about ABLE accounts coming to California on October 1st. If you do not know what an ABLE account is and live in the United States, an ABLE account is like a 429 college plan which is tax free and will let a person that was diagnosed with a disability before the age of 26 to save money in this account up to $100,000 and it won’t affect your Social Security money. I’m REALLY looking forward to this because as a person with a disability who can’t save more than $2000, I could use all of the extra help I can get. Once I open up one of these ABLE accounts, I hope throughout the coming years to use this account as a retirement fund. Or an account that will help me live day by day. When I told the person helping us with Social Security about ABLE accounts, she didn’t know about them! Apparently, they were not alerted of them yet and had no training in them. But she told me she would alert the right people about them so the employees at Social Security could get trained in them. Which is a win in my book! 😀 I still have no idea where to start an ABLE account though, but the lady gave me a phone number and e-mail to contact to get more information on where to start one at, so I will be calling soon.

Then after the long time in Social Security, my mother and I afterward went to feed the local ducks and geese hanging out by the river. Now, these birds are spoiled folks. They get food all of the time. Some days they are hungrier than others. Just depends on how much they are fed each day. So we fed them two small bags of bird seed because bread is bad for them to eat and then went home. I will probably post pictures of the birds in the near future though because I love them so much, haha. 🙂

So yeah, I’m officially in charge of my money now! Woo hoo! Starting next month at least. Can’t wait to see where things will go from here. 🙂

EDIT 9/10/2017: If anybody wishes to know about how to get an ABLE account or what the status of their state’s ABLE account program is in, please visit this link. 🙂