cff Simple and Serene Living: women
Posts with the label women
Showing posts with label women. Show all posts
Showing posts with label women. Show all posts

Friday, August 4, 2023

WOMEN ARE RETIRING POOR IN AMERICA

This is a repost of a post I wrote two years ago. 

It has been updated to reflect any changes I have made in my life.



hands


My Story

If you have read my blog for a while you know that I am a former counselor, but what you may not know is that I was a stay-at-home mom for much of my adult life. 

Like many women, I chose to devote my time to raising my children. 

It was what I had always wanted to do and I don't regret a moment of that, but what I didn't know is what would happen to me when my husband became seriously mentally ill and how it would eventually affect me.

woman studying

In my mid-forties, I went back to school completed my last two years of college, and did three years of graduate school in counseling psychology. 

I worked for several years, but I found out it wasn't enough. When I reached the age of 62 I took social security because I had crippling knee pain. I had both of my knees replaced but found that ageism is alive and well and I was unemployable. 

Here is what I discovered about Social Security and why I was left living in poverty. 

How Social Security Is Determined

Social Security is based on your lifetime earnings. 

Your actual earnings are adjusted or “indexed” to account for changes in average wages since the year the earnings were received. 

Then Social Security calculates your average indexed monthly earnings during the 35 years in which you earned the most.

woman holding cash

This is where the problem arises for women who spent much of their adult lives being caretakers for their children and then often of their elderly parents. 

Being Out Of The Workforce

Being a caregiver is not seen as work by our government. Stay-at-home caregivers are basically free labor. (The government loves that. Free labor means no Social Security.)

For example, if a woman spends 25 years of her life working in her home, where she is unpaid, those years are indexed as zero income. They are then averaged with the ten years she worked outside the home. 

woman washing window

For women, like myself, who are no longer in a stable marriage, those years of taking care of a family leave them living in poverty. 

Women should not have to sit around like the grim reaper, waiting for ex-husbands to die in order to have enough money to survive.

Social Security Raises

The big talk last year was about the big increase that is expected for Social Security in 2022. They estimated 6%. Here is what that means. For someone who is making $2500 a year in Social Security that raise means an extra $150. For a woman who makes $800 a year in Social Security that raise is $48.

Out of that raise, there is usually an increase in Medicare, and if you are fortunate enough to have gotten into senior subsidized housing (of which there is an extreme shortage and long waitlists) 30% of that raise will go to the government as an increase in your rent. 

There are approximately 30 million women over the age of 60 in this country and approximately 17.3% of them are living in poverty. That means that over 5 million older women in this country are living in poverty.

fresh vegetables


These women have to make decisions on whether to eat or pay for their medications.

As you can see it is not a small problem and it is one that needs to be addressed. We need Social Security reform.

I try to do my part by making phone calls to government officials, but I am just one person.

My Continuing Story 

I am fortunate to have received a small inheritance from my mother which gives me a little cushion for emergencies, but every day is a worry. 

Will my twelve-year-old car with 134,000 miles on it break down? 

It did break down this year and cost 3100 dollars to repair. 

How long will that money last? My family is long-lived and I will need to stretch it out. 

coins spilling out of a jar

In the past, I have supplemented my income by selling online, but I have found I no longer have the energy to keep that up the way I was doing.

I am not alone. There are millions of us. If you know an older woman who is struggling I hope that you will reach out a helping hand to them. 

As I seem to have more time on my hands these days I intend to start advocating for reform for women and Social Security. Not sure how much effect I will have, but I will keep you informed.

women retiring poor in america









WOMEN ARE RETIRING POOR IN AMERICA

Friday, August 4, 2023

Tuesday, July 26, 2022

THE CHANGING ROLES OF WOMEN WITHIN THE FAMILY

As a woman, my role within my family has constantly changed. 

Daughter, wife, mother, breadwinner, grandmother.

country road through a gate


I have played all of those parts. 

Often I have stepped outside of myself and looked at those roles as if I were an actor on the stage, taking directions on how to proceed.

Our role within the family can affect how we see ourselves as a person. 

It is an ever-changing path that can wind back onto itself. 

country road winding through the woods


One moment we are dependent, leaning on others in the family to take care of us. 

As we grow, we become the person that others depend on. 

Then as we age we may find ourselves once again dependent. 

During all of this, we may swing back and forth between the roles.

swing hanging from a tree

Our roles are often based on the expectation of others and our interpretation of those expectations. 

For example, as a mother, our children have the expectation that we will do certain things to take care of them. 

Then as they grow up, their expectations change and we must adapt our role to their wants. 

the transformation of a butterfly

These role changes can lead to confusing feelings for us. 

I am left wondering how you, as a woman, adapt to these changes. 

Have the changes left you feeling unsure of your role at times? 

Do you find the expectations of others in your family don't match your own expectations? 

Or, have you been able to fluidly move from one role to the next without any problems?




THE CHANGING ROLES OF WOMEN WITHIN THE FAMILY

Tuesday, July 26, 2022

Tuesday, July 12, 2022

TUESDAY THOUGHTS

I know that I said I was only going to write one post a week this summer, but that MRI machine keeps gobbling up my money.

So here I am.

Atlanta is very sultry right now. 

It's typical Georgia summer weather with high temps and humidity.

pink crepe myrtle

The crepe myrtles are gorgeous right now and are one of my favorite things about a Georgia summer.

It has been a stressful few days.

Katy fractured her spine in two places on Friday reaching down to get the garden hose.

She has osteoporosis from all of the steroids she has to take and because she is premenopausal they won't give her the type of osteoporosis medications that I take. 

I am hoping they will think of something.

bicycle in a field with summer flowers

She spent Friday night in the ER and today we are going to see the orthopedic doctor. 

Fingers crossed that she doesn't need surgery.

I have been doing some cleaning and purging and will be listing some of my things on Facebook marketplace.

Etsy has been very slow the last few months and so I am spreading my wings to see if I can create some more sales. 

All of the printables in my Etsy shop are 40% off and I have started adding more gallery prints.

four George Stubbs horse prints

When I went to see the neurologist she was quite impressed with all of the things I have been teaching myself.

I didn't want to tell her that I think I may have fried all of my brain cells. 

Stay safe everyone and if you are a woman age 65 and older or a younger woman at higher than normal risk for a fracture please get your bone density scan.

It's a painless way to protect yourself. 

TUESDAY THOUGHTS

Tuesday, July 12, 2022

Friday, May 6, 2022

FINDING YOUR UNIQUE GIFT

Simple Pleasures #38

We all have a unique gift, and many of us wander through life wondering what it is.


Many people never realize they have a unique gift, a gift that is deeply ingrained in who they are, and makes who they are special.


So how do we find our gift and what do we do when we have found it? 

I believe that in order to find our unique gift we have to take the time to search deep within ourselves. 

We need to listen to what makes us feel truly happy. 

I remember my late mom asking me if I didn't think that I had a gift and a purpose to help others. 

Although I think I have fought this idea (possibly through ego) I think it is something I need to cultivate more. 

giving hands

I realize that by helping others I am giving my gift away. 

What could be better than that?

Have you found what your unique gift is, and if you have how are you giving it away? 

I found this article on the top ten ways to discover your unique gift. 

It just might help you discover yours. 

Simple Inspiration

the meaning of life quote

Lovely Reads

reading and tea

100 ways to have a love affair with life

vase of pink roses


How to make pressed flower bookmarks

how to make pressed flower bookmarks


13 ways to create a more peaceful home environment

ways to create a more peaceful home


Things to do on a May weekend.

things to do on a may weekend


22 things to do when you're retired and bored

things to do when you're retired and bored


Gluten-Free Cooking

I don't think I could call myself a southerner if I didn't love fried chicken.

Although I have lived "all over" I am originally from the south, live in the south now, and had a very southern mama.

My mother made the best fried chicken. I still dream about it.

These days, however, fried foods and I don't really get along and also I am gluten-free.

After a recent craving I came across this recipe for gluten-free baked "fried" chicken.

Yes please.

gluten-free baked fried chicken

This is guaranteed to make the whole family happy. 

Even crazy Uncle Joe who turns up his nose at anything gluten-free will never know the difference and I won't tell him.

Add some potato salad and fresh green beans with tomatoes and green onions, and you will have the perfect summer meal.

Catching Up

Some past posts you may enjoy reading.




Currently In My Etsy Shop

I have been very busy over the last six months teaching myself how to turn my vintage and antique prints into instant art.

Redoute bouquet of flowers printable

This old mature brain has really taken a beating, but I learned, made mistakes, and have now perfected it.

I currently have over 200 printables in the shop and they are on sale at 30% off.

antique mother and child sketch

The wonderful thing about printables is that they can be downloaded instantly. I'm all for instant gratification.

Don't for a minute think that I stopped sourcing and selling vintage and collectibles. 

Vintage divided plate | red willow, |made in Japan transferware
There are more than 200 of those in the shop as well.


Shopping

Now that warm weather is here or maybe just sneaking in where you are, it's time to start thinking about outdoor living.

Not everyone has a big backyard to dry clothes, but there is nothing like the fresh smell of laundry that is dried out in the sun.
































FINDING YOUR UNIQUE GIFT

Friday, May 6, 2022

Tuesday, May 3, 2022

GRANDMOTHERS ARE IMPORTANT

There was a time when it was the norm for extended families to live together. 

It was a time when grandparents were an integral part of a family's day-to-day living. A time when an older generation was deemed to be a source for teaching life experiences to younger members of a family.

grandmother's hands

Although those days have primarily ended, does that mean that grandparents and especially grandmothers no longer are needed in the raising of children?

"Some scientists think women evolved to live way past their childbearing years so that in middle age, unencumbered by babies of their own, they can make sure their daughters’ kids thrive.

These scientists posit that back in the days before farming, young mothers were better able to keep their kids alive when their own mothers were around to help forage—an advantage that has been dubbed the “grandmother effect.  (source unknown)

Okay, so that is the theory for why we live longer, but what is our purpose in the family now? 

elderly woman alone on park bench

Are we meant to take cruises where we play shuffleboard or hang out in bingo parlors?

Are we meant to pull up a park bench and settle in?

I agree with the author's thought that the importance of grandmothers has ebbed and flowed over time. 

grandmother in kitchen

Maybe grandmothers were less important in the mid twentieth century when most mothers stayed at home, but the importance of grandmothers may be on the upswing once again. 

I know that personally these last three years of living closer to my grandchildren has done so much for me and I hope also for my grandchildren.

great grandmother with child
my grandmother with my daughter

As Mother's Day approaches this week I realize that our jobs as mothers doesn't end when our children are grown, but continues on to the next generation and in many cases the generation after that.

There is no replacement for love, and grandmothers have an endless amount of that. 

Happy Mother's Day to all of my fellow grandmothers.


GRANDMOTHERS ARE IMPORTANT

Tuesday, May 3, 2022

Friday, April 29, 2022

MOTHER'S DAY THOUGHTS

 Simple Pleasures #37

Ready or not we are zooming into May. 

Just where does the time go?

We are a week away from Mother's Day and that brings about thoughts of all of the mothers that have been in my life and what it means to be a mother. 

mother hands baby feet

"A mother is a selfless, loving human who must sacrifice many of their wants and needs for the wants and needs of their children. A mother works hard to make sure their child is equipped with the knowledge, skills, and abilities to make it as a competent human being. Being a mother is perhaps the hardest, most rewarding job a woman will ever experience." (source)

I remember growing up and wishing to be a mother and when I became one I remember all of the feelings that went with it. 

Love, fear, and wonder were all mixed in together.

Being a mother to my two daughters has been the greatest honor of my life.

Mother's Day is a celebration of mothers, but we should celebrate mothers every day. 

Simple Inspiration

mother quote

Lovely Reads

tea and a book

How to create a cozy kitchen in five easy steps

how to create a cozy kitchen


20 easy and fresh spring cocktail recipes

20 spring cocktail recipes


8 un-put-down-able books

8 great books to read


Gift basket ideas for women

gift basket ideas for women


Small acts of self care for mid life women.

mid life self care for women


Gluten-Free Cooking

Few mothers don't love chocolate and I have to admit that I could live off chocolate if I hadn't learned restraint. (okay I have to put on blinders when walking past the chocolate aisle)

Mother's Day means that we should be able to indulge.

Chocolate and ice cream? I am definitely in.


Gluten Free Chocolate Chip Ice Cream Pie


I have my fork ready if anyone out there is paying attention.

Catching Up

Some past posts you may enjoy.





What I'm Reading

Last week I read Call Your Daughter Home.

I loved it and couldn't put it down. 

This week I am reading Apples Never Fall by New York Times Best selling author Liane Moriarty.

Apples Never Fall book


If your mother was missing, would you tell the police? Even if the most obvious suspect was your father?

This is the dilemma facing the four grown Delaney siblings.

Apples Never Fall is a novel that looks at marriage, siblings, and how the people we love the most can hurt us the deepest.

Shopping For Mom

mom gift ideas
Find these and more gift ideas for mom with one click at Amazon


Mother's Day thoughts

This post contains affiliate links

MOTHER'S DAY THOUGHTS

Friday, April 29, 2022