BUDGETING AND FEELING LIKE THE GRIM REAPER

Like many other senior women I live on a fairly fixed income. Other than my social security my only other income comes from what I sell online and that isn't a whole lot. 


I remember my grandmother, who was Scottish and thrifty, talking to me about watching my pennies, nickles, dimes, and quarters. She said I would need them when I grew older. 

She was right, but in today's world we need a lot more than those coins, and with the constant rising cost of just living it becomes more difficult to live on a budget. 


I understand that there will be a cost of living increase for social security of 1.6% in 2020, but that medicare is going up by about $10 per month. I figure this will leave me with approximately four extra dollars a month next year.

Is this supposed to help me? Because I spent much of my adult life as a stay at home mom, my social security isn't much, and like many other women who choose to give many years to their families, I feel like the grim reaper waiting for my ex to die so that I can have enough income to live a somewhat normal life. 

It should not be this way. Women should be compensated for the valuable work they do raising their families. We should not be considered free labor by the government.  


Yesterday my car battery died and it cost me $187 to replace it. I have also had over $300 in extra medical bills this past month. These are expenses that seriously deplete the little savings that I have and many women have no backup savings at all. 

Of course there are also presents to be bought. I have a budget set up for those, but the extra expenses mean that I have had to cut down on what I spend. I know that my family doesn't care about how much I spend, but I enjoy giving gifts. 


I think it is time for our country to reevaluate how we value the work that women do raising their families. Women should not be left in poverty when they are older or be forced to work when they are no longer physically able to do so. 




  1. It really is hard to figure out how to make it all work. I sure love the photos you've shared! It's beautiful where you live! WOW!

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    1. It is beautiful where I live. I feel like I am in the mountains when I drive into my apartment building.

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  2. You are so right Laura. I stopped working to be a stay at home mom until my girls were out of school and then I worked part time and now do not work to help babysit my grand girls and take care of my mom. So if you chose family then you will be screwed in retirement years. That is a sad statement about our country. Being home and taking care of the responsibility of family should not be penalized by losing out on social security. Love all the photos so pretty.
    Have a good weekend.
    Kris

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    1. We really shouldn't be penalized. We not only take care of out children, but many of us also take care of our elderly parents. I know I spent time with the responsibility of my mom in her last years. It's hard.

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  3. Yesterday when my daughter and I got to the restaurant we saw an older homeless woman out on the street. I told my daughter that lately I'm seeing more homeless out on the street and they're nearly all older women. I said how do these women manage with arthritis and all the ailments of old age on the street? It is terribly sad and this country's administration is partly to blame. They let huge companies off with no tax bill at all and then cancel free food for people right around Christmastime, not that there's ever a good time to deprive anyone of food. I wish we had here what you have there, a decent place for seniors to live that isn't a complete dump. I would no longer qualify for that kind of thing, but there are so, so many who would. I stopped buying presents years ago. I'll take Andrew to the bookstore after Christmas. Kids get far too much these days unless their parents are poor, which my daughters are not. My just turned 16 year old grandson just asked for a black T-shirt that costs $600. Ridiculous. And you know what? His dad's parents, who bought him a brand new Mustang way before his birthday, will probably get it for him.
    Brenda

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    1. Sorry, got that wrong. The sneakers he wants are $600 and the black t-shirt was $350.
      Brenda

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    2. Those are ridiculous prices. My grandchildren would never ask for anything like that thank goodness. I have seen some elderly homeless women near where I live this Last week. I thought the same thing that you did. It takes three years now to get in where I live and that is typical for these types of apartments. It is much longer in some areas. They have stopped building new ones as the government cut off the funding. It makes me feel so sad.

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  4. For a few years while I was divorcing after 41 years of marriage, I counted every single cent. I can live on a shoestring if I have to. And that time may come. I do live on a budget now but it’s a comfortable one. Still, I’m like you - kids have way too many toys! I just can’t bring myself to add further to the abundance! Plus - to be honest - some grands are so ungrateful! Once I gave $10 gifts to my three oldest - as we were living in our camper and helping with the baby quadruplets at the time and carrying expenses from two homes. One of the kids said, “ Why don’t you give us something we really want?” And no one said even a polite thank you. This year I’m giving Texas Trash - a favorite snack recipe - to everyone but the smallest grands. Books for those!
    Your photos are really beautiful!

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  5. I am blessed that my grandchildren are always grateful for their gifts. They make lists on Amazon with different price ranges and I am able to order from there. Thanks you about the photos. The trees were really beautiful here.

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  6. If you watch YouTube, alot of elderly ladies live in their small RV's and campers.. and ALOT boondock, which means they move around so they can live for free in different places, mostly in the south. That's all they can afford. I'm not far off from that. I worked for 40 + years but always a fairly low wage, so even with that with very few breaks to raise my 2 sons, I still don't get very much social security. It's criminal that a person is supposed to try to live on $800 to $1000 a month and not be in any sort of senior housing. My husband and I just barely scrape by and I work part-time to supplement our income. When the day comes that I can't do that (and it's coming soon) then we will really be hurting, and will have to cancel the only "extra" that we pay for, and that's internet! We don't pay for fancy cell phones or any sort of cable or Dish TV.. drive two old vehicles, but do own our home, which was and still is a real fixer upper. I wasn't a stay at home mom although I wanted to be, and missed out on so much, and I STILL don't get very much and can barely scrape by. If my hubby died first, I'll be really screwed and won't be able to keep the house. It's tiny.. I'll probably end up living in an RV too, but hopefully at a mobile home park where I can stay put. That is my plan anyway. I can't even imagine being in my 70's and living in homeless shelters and in parks and without a roof over my head. It's just criminal that our government doesn't help more with the elderly and the vets.

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    1. I am fortunate to be in subsidized senior housing, but the wait list is so long for these places. I will staying put where I am unless the government decides to do away with these places. Then I don't know what I will do. I don't ever want to be a burden on my family.

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  7. Laura, You have made some very good points. It isn't fair. Yes, every time there's a soc.sec. raise something else goes up to take that meager amount. I am glad you have some pretty views to enjoy at least. I heard today that the rents will be going up in our area...pray my daughter will get to stay where she lives and isn't pushed out due to rising costs. Blessings to you, xoxo, Susie

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  8. I just found your blog and really liked what you wrote. I too was a SAHM for most of my adult life and now in my SS years it is slim. My husband also just retired (because of a cancer diagnosis)and with his SS which isn't actually all that much, we will need to be careful about , well, everything.) We never really planned retirement well and I suppose that's our own fault. We still have a mortgage and all that goes with a house albeit a small house. I will look forward to reading more of your blog and invite you to pop over to mine.

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    1. Thank you for visiting. It seems to be getting harder and harder for older Americans.

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