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Old 03-03-2017, 07:33 AM
 
10,812 posts, read 8,054,817 times
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Quote:
Originally Posted by galaxyhi View Post
Every are is supposed to have a "first Call for Help" line by dialing the United Way, Catholic CHarities or such, you should be able to find it by dialing 2-1-1.

^^^^
Everyone should be made aware of 211.
When I worked as a librarian, I very often suggested people call it. They provide referrals for both immediate and long-term needs.
I recall one late Saturday afternoon when 2 women and several young children came into the library. They said they urgently needed food and housing, and all local resources - including food banks - appeared to be closed or not answering their phones. I let them call 211 from our library phone and they were taken care of.

They also have a website: CALL 2-1-1
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Old 03-03-2017, 07:38 AM
 
35 posts, read 23,556 times
Reputation: 226
Quote:
Originally Posted by Nausikaa View Post
I hope the thread stays on track, as it could be of interest to a lot of people. People who are living on just SS, not people with inheritances and rental homes!

"wash, rinse, repeat".
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Old 03-03-2017, 08:00 AM
 
Location: Michigan
2,241 posts, read 1,460,599 times
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Quote:
Originally Posted by Moonlady View Post
My brother is living on his SS alone and was doing OK until Medicare kicked in. He said he was going to apply for food stamps and if he is eligible, it will offset the cost of the Medicare. Have you looked into that or food pantries or other assistance?

Now you are scaring me! Just how much does Medicare cost per month on average?

For now, I have a subsidized retiree employment high-deductible insurance at $69~ a month for two. But at age 65, I have to apply for Medicare and my retiree insurance becomes secondary to that.
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Old 03-03-2017, 08:42 AM
 
Location: Cushing OK
14,547 posts, read 17,531,320 times
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I get the minimum thousand or so. It took a few years to do it but I am officially disabled. It sounds like a lot until you add up the normal expenses. I have food, which choose economically, but I don't do well unless I eat decent food. I own my house so the only cost a year there is the low property tax. But I don't go anywhere much since there's no transportation, so I spend a bit on things which keep me entertained. My medical cost is somewhat high, and I'm setting up an ACA plan to fill in for a few months before medicare starts.

I can't get food stamps or state medical in this state as it didn't want to go along with all those of the other party with the extra funding to cover more people. I actually lost the twenty dollars of food stamps when I took the husbands SSA early. He was also on disability.

I have an extra room, current full of furnature, and I'm going to make it up again to a useable room. Some heat and cooling will have to be added. And I've thought about roommates, but I'm not easy to live with and not going to compromise. I lived by renting a room too much in California. I don't want any more roomies......

I consider the cost of the dogs as security. People come around and check out houses here but do that with mine and you have the sound of a LARGE dog and a smaller one who yipps when excited greeting you at the door, so likely you'll find a house without them.

I move here for the lower cost of living and its worked out, but I just want to be able to go and do the things I enjoy, which mostly I haven't found here. I'd move somewhere they existed, but If the house would sell it wouldn't get enough, and I'd be in a worse way financially and probably couldn't afford to go.

My son still wants to help out eventually, so maybe when I and they know they are settled and he won't be moving for a new job, I'd strongly think of moving closer, and somewhere else. But that is for tomorrow.

I guess you can have more money or the money you get goes further, or you got lucky and have saved a lot, or you have so little you qualify for all the aid programs. But when its so close, and there's only room for a minor emergency, then sometimes its hard not feeling trapped. Especially when while people are 'nice' here, my interest and theirs are miles apart, and I feel rather alone. At least in socal there were places to go where I really could have fun.

Overall, though, the idea of moving to a place where costs are low is still good advise. Maybe I can't get out much, but I couldn't there either since the costs were so high it ate up the check just as fast. And the smog was so bad I had breathing problems I don't here.
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Old 03-03-2017, 09:48 AM
 
Location: Greenville, SC
4,628 posts, read 3,694,680 times
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I'm 70 and am lucky to be still working, and got my first social security payment a couple of weeks ago. I'm retiring in three months. I've been aggressively cutting back on expenses over the past year, and learning to live more frugally in preparation. I'm looking at moving to a cheaper state next year to keep expenses down (and buying a low priced condo since that will be cheaper than renting). I have a small pension as well as social security.

I'm still able to work, and will be doing so part time as long as I still can do so. After the recession hit in 2008, I was out of work for a year and a half and lived on food pantries and charity help with my rent and other expenses; some of my medications I got from my doctor and the pharma companies for free. There was a local church that offered frozen food including meat at a heavily discount price on Saturdays, and I took advantage of that, too. As another poster said, you have to make the contacts and figure things out. Most counties I think have offices that will help you connect with resources.
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Old 03-03-2017, 10:01 AM
 
Location: Planet Woof
3,139 posts, read 3,504,154 times
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And those would be Community Action Agencies, Area or Council on Aging, and Senior Centers in each county. Plus the Salvation Army. All there to help. Some churches too.
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Old 03-03-2017, 10:52 AM
 
Location: USA
1,815 posts, read 2,241,646 times
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I'm single, childless and will be living on SS alone, when I get to full retirement age. However, I've worked all my life, and many years at two jobs, so my SS will not be that much less than what I live on each month now.


I own my own home and haven't had any debt for 10 years. I can easily entertain myself without spending a ton of money. I have investments and savings, but they will be for emergency use only, not something to draw on each month.


The biggest thing I have going for me is a family history of excellent health. At age 50, I still had 3 living grandparents, and only one of them took medications (old age diabetes).


For the person who asked how much Medicare will cost -- for 2017 it is $134 a month (unless you have special circumstances) and is taken out of your SS check before you get it.
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Old 03-03-2017, 11:17 AM
 
2,442 posts, read 2,067,677 times
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Perhaps the people on this forum that constantly tell us how well they are doing can start a fund to aid others in need.
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Old 03-03-2017, 11:54 AM
 
Location: Lakewood OH
21,699 posts, read 23,648,620 times
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Quote:
Originally Posted by MikeBear View Post
Now you are scaring me! Just how much does Medicare cost per month on average?

For now, I have a subsidized retiree employment high-deductible insurance at $69~ a month for two. But at age 65, I have to apply for Medicare and my retiree insurance becomes secondary to that.
There is a program in which your Medicare premiums can be reduced. I don't know anything more about it other than you must be receiving no more than a certain amount of income. You can GOOGLE it to find out the particulars. It would be under something like Medicare.gov.
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Old 03-03-2017, 11:56 AM
 
4,430 posts, read 2,605,246 times
Reputation: 10289
Quote:
Originally Posted by biscuitmom View Post
^^^^
Everyone should be made aware of 211.
When I worked as a librarian, I very often suggested people call it. They provide referrals for both immediate and long-term needs.
I recall one late Saturday afternoon when 2 women and several young children came into the library. They said they urgently needed food and housing, and all local resources - including food banks - appeared to be closed or not answering their phones. I let them call 211 from our library phone and they were taken care of.

They also have a website: CALL 2-1-1
Yes. SOme services will even cover the "middle class"...that magical section making $50k+.

Also: check with some of the local hospitals...they may have low income programs to cut out all bills from them. Ours does, singles can make up to about $40k, and families up to $94K and still get FREE hospital/branch/walkins services. You are on your own for bills such as outside lab costs, reading of health media, etc. though.They even have a dispensary for medications if you are low income/no health coverage for certain {read as cheap} meds to help out. Just ONE ER/ED visit at $900 for the room charge can save you a bundle! one caveat: you DO have to have a primary insurance, it is NOT "free health care"....

Other programs you might qualify for: Heating help {cooling help in some areas of the south}; get free tax preparation and filing securely; we hope we will get our house insulated later this year if that program doesn't run out of funding under Trump; free food help; low cost phone service {for those who qualify}; etc.
You MIGHT just be surprised at what all you can get help with. If you are 62 and live in a snow belt, you might even get shoveling done for free, and your lawn mowed!

Most importantly: you worked and paid taxes, now you can get some of your efforts back.

Best of luck to all in a tight situation!

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