Living on Social Security: Video #1

Social Security Series video 1
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#social security
#lowincomeliving

[@sunshineharper4845]

Living on SSI since 2012 is part of the reason I'm off-grid! Never had a home in my life till now, couldn't afford it, always rented. That is the lesson I try to get thru to young teens and 20 yr olds, to buy property and hang on to it, plant fruit trees and use solar panels for energy.

[@PlainVanillaGrandmaCarol]

Good advice! I wish I had done that.

[@sjordan7085]

Great idea. I am working on buying an Airstream to live in and land to put it on. I live in a bungalow owned by family.

[@sunshineharper4845]

@John Dunn so you're a disrespecting of elders jerk, got it!

[@sunshineharper4845]

@John Dunn you don't know me or anything about me except what was in this thread so you don't have the information you need to make those accusations. Mind your own business and get a life. Apparently you have nothing to do but sit in your mother's basement and troll nice people.

[@MemphisMower]

I was so worried about you when you said there was only 19 dollars left from SS. I am so glad you have a little retirement coming in. This series is a great wake up call . Have so much more to say and will on other videos. Thanks for sharing.

[@PlainVanillaGrandmaCarol]

If I didn’t have a retirement check obviously I would have to choose food over having an apartment. I read every day about women my age living in their car for exactly this reason. 😳

[@mariacastillo3090]

I have a thyroid condition as well and most days I have zero energy. You’re an inspiration to those of us who live on a fixed income and feel helpless. Thank you.

[@PlainVanillaGrandmaCarol]

Hi Maria! Thank you for visiting with me! Yep, I totally understand the zero energy feeling. I hope you have a happy New Year!

[@sabrinadevol1210]

Love your videos! You have such a positive attitude. I retired at 64, living on a minimal social security check. Appreciate your tips and suggestions. Blessings.

[@PlainVanillaGrandmaCarol]

Hi Sabrina, Thank you for visiting with me!

[@teg31-949]

Great video, Carol. I had to go on disability at 56. I also donate blood regularly. That is great you do, too! This video is so informative. My life is so parallel to yours. We are very similar. I am glad I found your channel a while back. Have a wonderful day, Carol!

[@PlainVanillaGrandmaCarol]

Hi Diane, I was also 56 when I had to retire too. I am just now seeing a whole slew of comments! I'm sorry I didn't respond sooner.

[@yvonneleal6838]

I just found your channel and I absolutely love it. I am retiring at 62 and plan to draw SS and find you advice much needed. Tfs

[@PlainVanillaGrandmaCarol]

Hi Yvonne! Welcome to my channel. Thank you for your kind words! In one of my SS videos I talked about my mistake with supplemental health insurance .. please don't make the same mistake I did! I'm not an expert on living on SS but if you have any questions just email me and I will help if I can. My email is [e-mail]

[@lindsayjohnston7465]

Thanks for helping people learn what they could do if a tragedy keeps them from working

[@aqueen13]

Thank you so much for this video! I love your perspective and the way you show how things are working in this situation. I would love to see another video like this where you talk about how your retirement pension is budgeted alongside your social security income. I think it would really help my mom. Again, thank you for this video. It was inspiring to see you make it work financially.

[@PlainVanillaGrandmaCarol]

Hi aqueen13! Thank you for your kind words. I will try to do that video soon.🙂

[@themowchak]

You are amazing ❤️

[@lkern6238]

I just retired age 67. Im 100% social security. Live in a 2 bedroom apt in austin, texas, with my 20 yo granddaughter. rent is 1600. I may have to get a parttime job. Didn't know I have to pay taxes on SS. Still have to get the medicare B which will be ~180.00. Crazy times...

[@PlainVanillaGrandmaCarol]

$1600 for rent! Oh how I wish you could get on a waiting list for a low income apartment. You do not have to pay tax on Social Security unless your income is over $25,000 for a single person or $32,000 for a married couple.

[@johnbrandon3301]

You are to be commended for living within your means. I know it is not easy. I have friends who don’t know how to live within their budget and they will pay a price. Best of luck to you and stay well.

[@kathleenlupole8546]

Good video! I have been living on a very low SS check for over a year now. I almost stayed in a bad situation due to thinking I could not afford to live on my own. But once I could not do it any longer I took the chance. I am happier than I have ever been and am now living very frugal. It can be done, you just need to research what kind of resources there are to help you while you get back on your feet. I am a new subscriber. Love Toby!

[@PlainVanillaGrandmaCarol]

Hi Kathleen, Welcome to my channel! I’m glad you got out of a bad situation and are doing well! Getting out of a bad situation is hard to do and I’m proud of you.

[@bdaina]

Kathleen I am on SSDI and receive 1960 per month only. My husband is abusive but I'm afraid I can't afford to live on my own. i live in south Texas. I hope I can make it on my own because the abuse is so bad that I pray for an early death. I can afford to buy a tiny condo in cash but that will be all the cash I have. just saw your comment and thought u might understand

[@ceciliaperales8466]

@@bdaina hi , I saw your comment. This video was made 2 years ago, I too just received it. I also live in South Texas. Corpus Christi to be exact. There are many free resources out there. Please reach out to them, if you haven't already.

[@deborahnell]

I like your positive attitude. Gratitude is so important. Thanks for your information. My husband is getting ready to retire.

[@PlainVanillaGrandmaCarol]

Hi Deborah, Retirement is wonderful!!!!! Thank you for visiting with me. I am planning a video on my experience with Medicare supplemental drug insurance for my prescriptions. I will try to get that up this weekend. If there is any way to keep your health insurance from your husband’s employer then keep it. I couldn’t keep mine because once I retired my employer stopping paying a portion and it would have almost taken my entire retirement check each month to keep the insurance so before he retires ask about that.

[@deborahnell]

Thanks for the advice. My husband is now getting medicare, still working but doesn't have health insurance from his work. I'm with a shared healthcare system.

[@endtheliesnow5906]

You really seem like a wonderful person. Your dog is too cute!

[@PlainVanillaGrandmaCarol]

Thank you. 🙂

[@bonniecarolscreations9399]

New sub 🙋🏿‍♀️! Your comments on Carol's "Glorious Life on Wheels" brought me here!

[@PlainVanillaGrandmaCarol]

Hi Bonnie! Welcome to my channel!

[@homesteadingwithsadie]

This is great information! Think this series will be awesome

[@PlainVanillaGrandmaCarol]

I hope it will be of a help to someone. Thank you for visiting with me and very leaving a comment.😊

[@kathleennece715]

Just found you and subscribed. Looking forward to upcoming video about senior discounts. I buy my books from Thriftbooks. It has worked out well for me. I live in a small town but there are two food banks that I can use if needed. So far I haven’t but it’s good to know it’s available. I buy my clothes at Goodwill. I started going there because I was losing a lot of weight and didn’t want to waste my money on clothes I wouldn’t be able to wear. I never buy fast food and stock up on foods that are on sale.

[@PlainVanillaGrandmaCarol]

Hi Kathleen! I'm so glad you visited with me! Welcome!

[@vansvanandtravels7566]

Hopefully your channel will take off and you can have some extra coming in. Enjoying your videos!

[@PlainVanillaGrandmaCarol]

Hello! I’m excited to hear from you! Wouldn’t that be something if I got monetized but I doubt I will ever get there. I’m just thrilled I have the people I have!💕

[@vansvanandtravels7566]

@@PlainVanillaGrandmaCarol You'll get there. You're a good talker! Just keep putting the videos out! 👍

[@javiercorona1493]

You are amazing I want to do videos and don’t find the courage. You are an inspiration, God bless you

[@PlainVanillaGrandmaCarol]

Hello! Just jump in and make a video! It is fun meeting people!

[@ElizabethCastillo-bb1ul]

Thank you for sharing with the reality of living on social security. God bless you my friend 👏🙏🏼👏

[@PlainVanillaGrandmaCarol]

Thank you for visiting with me Elizabeth. Happy New Year!🎉

[@lindaripp5902]

I love your optimism in that you think most people would be inclined to pay tithing or help other people… I do hope you’re right.

[@PlainVanillaGrandmaCarol]

Hi Linda, In my little world people do. 😊

[@oldcoot6714]

I love your attitude. My disabled sister lives off of about $900 a month. But the big difference if that she lives in a big city and there is lots of assistance for seniors. Her rent in a senior building is $120 a month. They have excellent disability transportation for her wheelchair (buses or cabs fitted for wheelchairs). We have often talked about her moving back home, but I live in small town America with very few services for disabled or seniors.

[@PlainVanillaGrandmaCarol]

Your sister is definitely lucky to have all those services! Thanks for stopping by!

[@audreybennet1843]

Use fabric softener sheets 3 or 4 times then use them for washing dried food dishes and use the plastic mesh from produce bags with the sheets hang up used bubble wrap envelopes on exterior walls to retain room temp blankets too use draft stoppers for doors and windows

[@PlainVanillaGrandmaCarol]

Hi Audrey! Excellent tips!!! Thank you so much for visiting with me and sharing those ideas!

[@heatherfling7095]

What a beautiful soul you are thank you for sharing. I am on SSI and Social Security myself and live in a 55+ community. My money is tight also. I know how that’s like.

[@PlainVanillaGrandmaCarol]

Hi Heather! Welcome to my channel!!! The majority of my subs are in our same boat! I'm glad you found me! Carol

[@lifeoflucretia]

LOVE the breakdown! Thanks so much. LUCRETIA

[@PlainVanillaGrandmaCarol]

Hello Lucretia! Happy Sunday!

[@bethyoung4030]

Thank you for sharing! I am several years out from SS but trying to learn all the ways folks are making it.

[@PlainVanillaGrandmaCarol]

☘Hi Beth, Welcome to my channel! Honey, you are so WISE to be learning how to manage now. I hope you will come visit me again. 🍀

[@bethyoung4030]

I am following you!! Love your great advice. You have a great day🌷

[@PlainVanillaGrandmaCarol]

Thank you!

[@geriboisse1244]

It’s really so informative thanks for sharing to us

[@PlainVanillaGrandmaCarol]

Hi Geri! Welcome to my channel. I hope you will want to join my little KZbin family.☺️ Thank you for visiting my channel today and thank you for leaving a comment.😀

[@karefreeman2000]

I'm a new subscriber. I look forward to watching your videos.

[@PlainVanillaGrandmaCarol]

I apologize for being so far behind in responding to comments. Welcome to my channel! I appreciate you spending time visiting with me! ❤️ Carol

[@renaes2008]

Thank you for your video. I hope you have a great day!

[@PlainVanillaGrandmaCarol]

Hello Renae, I hope you have a great day too!

[@JustJournalingwithPossumPatty]

Hello, Carol. Thank you for the valuable information. Love your little dog. I'm like you - a spender Good thing my husband is a saver. Chuckle. Blessings & Bubbles...oooOOO

[@PlainVanillaGrandmaCarol]

Hi Possum Patty! Thank you for visiting with me and I apologize that it has taken me so long to respond. I have had a rough couple of months but I am trying to get back in the saddle again. I hope you and yours are well and staying safe.

[@carolklein7421]

Hi, new subscriber here. I have social security and 2 small pensions. I am paying off a credit card and a medical bill. After that is done I hope to be able to save that money for emergencies. Thank you for an enlightening video!

[@PlainVanillaGrandmaCarol]

Hi Carol! Welcome to my channel! Thank you for visiting with me today! I have medical bills and credit card debt to pay off too. I'm looking forward to the day I can get them paid.

[@blueroseramblings]

New subscriber here who has 2 years plus to retire. I got my wake up call when mum moved in with me. No pension or 401k here. BUT not in debt. 62 and planning to relocate. Prayers

[@PlainVanillaGrandmaCarol]

Hi Blue Rose Rambler! Welcome to my channel! I hope you and your mother had a good day. If my internet is working correctly I will try to get a video made tomorrow. Talk to you then!

[@NonaMaryGrace1952]

Hello Carol, this was a really good information. I have a suplimenal insrace. But it is $0 cost. I don't really know how good it is. But it doesn't cost me anything. Thanks for sharing. 💕 NonnaGrace

[@PlainVanillaGrandmaCarol]

Well let us know how you get insurance for $0. No matter what it pays that would be a plus. No company provides services for nothing so I wonder how on earth it works. I have seen on other posts about Social Security that a couple of people have supplemental ins at zero cost.

[@ArtsyLadyCrafter]

@@PlainVanillaGrandmaCarol My mom had Humana for years and did not pay a premium payment at all.

[@dag118]

Thank you for your honesty.

[@PlainVanillaGrandmaCarol]

Hi Deborah! Thank you for stopping by today. I just read that the average Walmart customer is a 59 year old woman making $80,000! I thought I was pretty close to the typical Walmart shopper but, gee, if you are living on Social Security your income isn't even within 👋 waving distance of $80,000!!!!!

[@maylee1532]

You are a sweet heart and then some! Well done for doing your best to manage life and money matters. I don’t know where you are now but I advise for you to consider streamlining some of your outgoing expenses - i.e. Having one internet service with the ability to connect to all your internet devices. There is extensive room for less expenditure in all of your outgoing expenses - it’s probable that you may be able to not spend at least US $120 - $150 from all your listed expenditure items. Well done either way. xx

[@PlainVanillaGrandmaCarol]

Hi May! How are you? I'm glad you stopped by and thank you for the suggestion. I recently bundled my cell phone and internet service and brought that price for both services wayyyy down. I'm homeschooling my grandkids so my son is now paying for my internet since they have online classes. Thank you for visiting with me!

[@coppingtonfarnham7731]

Thanks for the information/insight PV Grandma. I turned 62 a few months ago but still undecided about collecting SS.

[@PlainVanillaGrandmaCarol]

Hi! Welcome to my channel.

[@PlainVanillaGrandmaCarol]

@K Maxx Good morning! It is true you get a smaller amount. Of course if you can wait until you can draw the full amount you have more money. Because of health issues I didn't have a choice. Some people choose to take it at 62 because tomorrow is promised to no one. There are many factors to consider.

[@coppingtonfarnham7731]

Thanks, K Maxx....haven't claimed SS yet. Always thought more checks in the long run, so it evens out, at least to age 77-78. I have a pension, so would combine that with Social Security, which I would use for extras, like home repair, so we don't have to draw much if anything from our nest egg. My wife also has a 401k. We are planning on conserving my wife's SS . She is the higher wage earner, so whichever one of us survives would get the larger check. I still work part-time in Information Technology after retiring from full-time. In 2022 they are planning a major rollout of equipment, with hundreds of computer station replacements. I was around for a similar situation several years ago when I was full-time. Each station replacement requires several trips above and below the desk to deal with wiring not to mention hauling the old and new equipment around the building. I had to use a compressor and blow dust out of hundreds of PC's to prepare them for sale last time too! I'm now prone to back, leg and knee pain I didn't have several years ago, so I'm looking to bail completely....my slogan '21 and done. I'd like to do something to keep active, just not this manual labor. Other issues at play too (long story). I'm also just sick of my employer....been there since 1985!

[@wandadraughn1102]

I had no choice at 62,I had to take early retirement check,due to mobility issues,my check is hundreds less than it would have been if I could have waited till 66.

[@lynnohrel1318]

I’m retired raising my great granddaughter since she was born. She is now 12. I don’t receive any type of assistance for her, except for Medicaid. Thank the lord my home is paid off. I can’t afford to update it, but when something needs repaired I’ve been able to manage that. Since groceries have gone sky high, I shop at Aldi’s. I have a decent income and a pension but it doesn’t go as far as It could if I lived alone. I’m not complaining at all about raising my granddaughter. I don’t buy myself clothes unless it’s absolutely necessary. We do what we have to and I do feel fortunate, as many people are receiving much less then I. God bless you!

[@PlainVanillaGrandmaCarol]

Hi Lynn, Thank goodness your granddaughter has you. I know you weren't complaining and that you would do anything for her. You are a blessing for each other. I sure understand when you say money just doesn't go far enough. There isn't an Aldi's any where near me but I hear they have great prices. I'm glad you told me a little about your situation. Take care, Carol

[@cherylT321]

Can you grow some of your food; that might help you keep costs down!

[@Ruby-hu5wh]

Hello Miss Carol:) I love your positive attitude and optimism, and your invite to "let's help each other out in our journey." I am glad that I found your video. I will be following you and am looking forward to Video #2. Talk soon

[@PlainVanillaGrandmaCarol]

Well hi Miss Ruby! I'm glad you stopped by. Welcome to our family. I think it was in my last video I talked about a new way to save on prescriptions. And I'm checking in a way to get cheaper internet so stay tuned!

[@mkl01_99]

Good share, ty. Living on SS here, means my number one job is to economize, recycle, save money. Side hustle is always important, sell my unused stuff too. Need to find rent and utilities as cheap as is possible; roommate, family, RV, trailer, tiny home, van, car, tent. Then find what local services are available, food stamps, meals on wheels, other. Peace and prosperity to you.

[@PlainVanillaGrandmaCarol]

Thank you for stopping by! You might contact the Senior Citizens Center if your town has one. They should have info on benefits. 😊

[@kaythegardener]

2 US frugal senior blogs are 1) NaNa Pinches Her Pennies by Anita Estes of KY & 2) Prepper Princess, now of AZ, formerly CA. A senior frugal blog in the UK is MeanQueen. Ilona also runs a yearly walking challenge. Her private goal is 1000 miles / year!!

[@PlainVanillaGrandmaCarol]

Thank you Kay! I watch Prepper Princess but I am happy to learn of tge others. I'm going to visit everyone you mentioned. 😊

[@lifebeyondthesalary2458]

Talk to your doctor’s office. Sometimes they get samples of prescription meds that they can pass on to their clients. Especially if they know that you are on a super tight budget! Every little bit helps! Also, if you have a food pantry close by (ish?) they would be an excellent source to help sustain you & more people for you to get to know! Blessings!

[@PlainVanillaGrandmaCarol]

Hi Kim, I am sorry I am so late in responding. I just saw your comment today. Yes! Samples are so helpful. I had a psychiatrist once that provided samples of a particular medication that I needed because she knew I would not do as well on the generic. She knew my insurance would only pay for generic so she provided enough samples to get me through a month for a year or two, until she moved away. It was great. A year or so after she moved and I had to go on generics is when I ended up in the hospital because the generics are not exactly the same. 😕

[@mareenalewis4241]

Most doctors dont give samples since the sunshine act took place years ago. Its really a problem for people who need that help when they have met their maximum. I'm a nurse and struggle to find assistance for patients in their medication cost.

[@thetwinspuppetshow71]

This was good information!

[@PlainVanillaGrandmaCarol]

Thank you!

[@bhinbayoucity5691]

568 out of the 895 for rent is an awful huge chunk!

[@PlainVanillaGrandmaCarol]

Yes it is, but that is cheap rent in my city.

[@crystalrizzo915]

We need to do better by our seniors. $2,500 needs to be the amount.

[@laetitialogan2017]

Small bit of gardening?..even the window sills? Herbs, parsley or a bit of lettuce?..especially if you dont have land etc?

[@PlainVanillaGrandmaCarol]

Hi Laetitia! Last year I grew tomatoes & peppers in pots. I tried to grow squash in pots but that was not successful. 😊

[@kajunkaty5663]

I'm new to your channel, I'm a new widow and it's scarey just getting widows benefits. I know this is a older video, but really liked your information

[@PlainVanillaGrandmaCarol]

Hi Katy, First let me say that I'm sorry your husband has passed. Dealing with losing a spouse and a new financial situation at the same time has to be horrible. Hang in there. Take one day at a time. Accept all of the help that is out there for you. I'm reading this at 1:17 a.m. Many of my subs are night owls and it is not uncommon for them to leave comments at this time of the night, or morning! We all have trouble sleeping. I have been having internet troubles and had not been able to get on until now. I hope you are doing as well as can be expected so soon after your life has changed so much. Again, I'm sorry for your loss. Carol

[@kajunkaty5663]

@@PlainVanillaGrandmaCarol thank you, yes I have lots of trouble sleeping. I look forward to watching your other videos. Thank you for your kind words❤

[@oliviawills2312]

Where have you been all my life? LOL, I am in the same boat and I will be watching you all the time.

[@PlainVanillaGrandmaCarol]

Well Hi Olivia and welcome to our family. Many of my subs are in our same boat!

[@sandyfriesen9999]

Well done. Thanks

[@PlainVanillaGrandmaCarol]

Hi Sandy, Thank you! Merry Christmas!

[@joycegonzales4994]

I always had straight talk, but I’ve changed to consumer cellular. It’s cheaper, and really good.

[@PlainVanillaGrandmaCarol]

Hi Joyce, Thank you for telling me about Consumer Cellular. I will see if we have that here.

[@debbieframpton3857]

My daughter and I share total Wireless $64 a month and we have had this for several years

[@LifeWithMike85]

I live on my disability now and it's rough to make ends meet!

[@PlainVanillaGrandmaCarol]

Life with Mike, Exactly! That is why I hope people will share with us how to manage on a low income. If I didn’t have a little retirement check I couldn’t have an apartment and to eat... I would have to choose eating.

[@bruced.370]

There are many types of jobs out there. Don't give up looking. Most nowadays are not very stressful on a body unless you can't move.

[@3generations393]

@@bruced.370 can't work -will loose disability. I have heard disability turns over to retirement social security when you turn 65. Then your allowed to work and not risk benefits

[@3generations393]

@Kyu T Lee thank you for your response. This gives me hope & I will call to find out the exact amounts as our local office has closed. 🙏😘

[@3generations393]

@Kyu T Lee well hope someone sees this that can help. I am admittedly technically challenged-could not get any info from website. I live in Naples Florida & our local dept is closed. I waited 20 minutes for the 800 number to pick up & no connection? Unbelievable!?!

[@craigfleshman2715]

If money is tight and you have the room, you might consider renting out a room. Room rentals in my area are from an average of $600 - $750.. if you own a house with no mortgage and you have room, think about a mini bed and breakfast. Plant and grow some vegetables to relieve the food bill. If you live in an apartment building or a condo that assigns you a parking place and you don't drive, you can rent that space out on a monthly basis.

[@PlainVanillaGrandmaCarol]

All very good suggestions Craig!

[@meaself]

What a beautiful person you are! l'm so glad that you're happy and secure with your life and budget. l'm a new sub to you...Vicky from Living in the Moment mentioned you and l'm so glad she did. l wish l did have some tips...it appears that others have shared great ones for you! l pray for many more blessings for you.

[@PlainVanillaGrandmaCarol]

Hi Mea, Welcome to my channel! I am glad you are here! Vicki is a sweet woman.

[@meaself]

@@PlainVanillaGrandmaCarol Thank you, glad to be here too. And yes, Vicki is indeed a sweet person. You each remind me of the other, so no wonder you found each other here. Do you know if she does spell it Vicki rather than Vicky? I tried to find the spelling on her channel, and l don't see it. l am trying to watch more of your past videos, also.

[@PlainVanillaGrandmaCarol]

@@meaself HI Mea, No, I don't know how she spells it. I will ask her. Hope your Monday is a good day!

[@meaself]

@@PlainVanillaGrandmaCarol Thank you...l just now found out it is spelled Vicki, as you wrote it. l had written her an email and l checked her email address, and Vicki is how she spelled it. Didn't occur to me until just now to look at her address! duh Hope your Monday is a Funday!

[@PlainVanillaGrandmaCarol]

@@meaself Thank you Mea!

[@nancisailormoy9135]

I think it's amazing how well you do with your money. When I retired I switched from AT&T to Cricket and have a 100gb plan for $40 but if you do autopay it's only $35/month. That extra $15 could go towards a prescription insurance plan.

[@PlainVanillaGrandmaCarol]

Hi Nanci! Welcome to my channel! I'm glad you are here. So many of my subs had suggestions for me and now I have a much cheaper cell phone plan, as well as cheaper internet and I signed up for a free Medicare Advantage insurance that has really reduced my prescription costs. It is great how we can share ideas and help each other!

[@lindsayjohnston7465]

AT&T other mega corporations pay zero taxes in America but pay taxes in other countries that take care of citizens in need

[@Tvjunkie145]

Is there anything available in your area like community theater? Depending on the level of production, tickets in my area can be as low as $10. Maybe keep a change jar and go once a year. Or, again in my area, the theater allows you to volunteer and you can watch the shows for free. Good way to see touring productions for free.

[@karencramar554]

My life is almost like yours. The only problem is they gave me too much social security and took it away. I am hoping to start subbing again. That will definitely help me cause I'm still paying a house note. Thank you for sharing with me.

[@PlainVanillaGrandmaCarol]

Hi Karen, Welcome to my channel! I'm so glad you are here! 😳 You are the 2nd person who has recently told me that Social Security did that to them! I would be devastated and be homeless.😬 Scares me to death. If they make a mistake they should have to cover it.

[@christopherhennessey8991]

At 55,I retired with an RN pension .November of 2020,I began to receive my Social Security benefits.It’s nice to have two streams of passive income ,enabling me to clear debts faster.

[@PlainVanillaGrandmaCarol]

Hi Christopher, Congratulations on your retirement and thank you for your years of service as an RN. I have a niece who is an RN and I know that is really hard job. You are very fortunate to have 2 streams of income.

[@coppingtonfarnham7731]

I'm curious....how many years of RN service before 55, and age at claiming SS?

[@christopherhennessey8991]

@@coppingtonfarnham7731 I worked at the bedside for 32 yrs,claimed Social Security 5 mos ago at 62 .My pension is a FRS ( Florida Retirement System )pension ,so my defined benefit is full pension at 30 yrs regardless of age- no penalty for claiming pension under 55.Legally retired at 53 and worked another 21 months in what is called the DROP( deferred retirement option program).This came out to a total of 32 yrs. No takers when seeking part time RN work,so I claimed Social Security at 62; this turned out to be a blessing for me.

[@coppingtonfarnham7731]

@@christopherhennessey8991 Sort of parallels my situation, 34 years credit with Illinois Municipal Retirement fund, with retirement allowable at age 60 without penalty, so I dropped to part-time at 60. Now 62, haven't claimed SS yet as I make too much. Congrats on your retirement. My late mother had a nurse during a hospital stay who was 76....and had outlived two husbands!

[@claudiarobinson9888]

I only get 770.00 a month. My rent is 725.00. My folks have to help. I'm on food stamps. You look great!

[@PlainVanillaGrandmaCarol]

Hi Claudia, How was your day?

[@PlainVanillaGrandmaCarol]

There are many people in the same boat you are in and that is why I want all of us to pull together and figure out how to manage. My daughter gets less than that but HUD pays a good portion of her rent, she gets Food Stamps and she has Medicaid. May I ask your age?

[@claudiarobinson9888]

@@PlainVanillaGrandmaCarol 49 but I've been sick since I was 23. If you get food stamps, you can get Amazon for half price and order your foods from there. I didn't know this until this summer. We have a farmer market. For those on food stamps, they give out wooden coins for everyone to use. You give the cashier your cash, and you get coins. If you use food stamps, you get coins, and they take off from the card. But if you say you just want to spend 5.00, they give you 10 dollars worth of coins and charge your card for 5.00. They have fresh meats,fruits, and veggies, but goat milk soaps and lotions, flowers and often crafters will be there to sell their items.

[@PlainVanillaGrandmaCarol]

You remind me of my daughter. She is 38 but has been sick since her teens. Hang in there sweetie.

[@claudiarobinson9888]

@@PlainVanillaGrandmaCarol some days are harder than others. I was alone for many years. I lived with my mother and strpdad up to 11 years ago. I paid rent or up keep as they called it. They took all the as check except for what I paid for my phone. Even took the first check. Well all that the lawyer didn't get.

[@nolongeractive1436]

People on social security need more of a living wage :( I'm on SSI and I have to be careful with where I spend. The low income apartments where i live have a 3-6 month waiting list. I currently live with family but I know that wont last forever. I'm working on saving a bit so I can get into a stable place for my self that I can afford.

[@PlainVanillaGrandmaCarol]

Hi Ashley, How are you doing? I agree, we need more of a living wage amount. I wonder what will happen when SS runs out of money. 😕 Life is scary.

[@PInk77W1]

SS was not meant to be lived on It was suppose to be 40% Then 60% was suppose to be Savings or retirement pension or 401k.

[@barbaraprince7789]

I enjoyed your video. I also became ill and went on SSDI. I had planned on working at least 10 more years, but life throws us curveballs. My SSDI converted to retirement when I turned 66. My son is on disability and lives with me because he can’t afford a place on his own.

[@PlainVanillaGrandmaCarol]

Hi Barbara, Nice to meet you! Life sure does throw curveball at us sometimes. If my daughter didn't get HUD assistance she would not be able to have her own apartment. If I weren't living in a low income complex I wouldn't be able to afford a safe apartment. Life is scary sometimes. I hope you are doing well and thank you for visiting me. Do you live where this storm has brought such low temperatures?

[@barbaraprince7789]

@@PlainVanillaGrandmaCarol I’m in NJ. We had a few inches of snow, but that’s all, thank goodness. Your daughter is fortunate to have HUD assistance. The wait list here is about 10 years. The list got so long that they don’t even accept applications anymore.

[@PlainVanillaGrandmaCarol]

Here they are not accepting new applications for HUD either. Obviously a huge need for the help. Instead of sending so much money to other countries I wish our country would take care of our own people.

[@joanjohnson-ql4wi]

Hi, I’m 65, as well. I do hope that you will have a car soon, because I know what a blessing it is, and Some day we may be too old to drive a car.

[@PlainVanillaGrandmaCarol]

Hi Joan, It has been quite an adjustment from having a car and then not. I started driving when I was 15. 😕 I haven't had a car in several years.

[@janeray1273]

I’m on SS too. I don’t have a car either. Can’t afford it and the car insurance. I know how you feel.

[@PlainVanillaGrandmaCarol]

Hi Jane, I'm sorry I'm so late in responding. I just saw your comment today. I hate not having a car, don't you? But they are just such a huge expense. Do you have public transportation you can use? My city has busses but I live a couple of miles from the closest bus stop. I hope you stay with me here and read comments left by others. My Subs share helpful, money saving suggestions all the time. I love that we all want to help each other. Thank you for visiting with me, Jane, and I hope to hear from you again. Carol 🌱🌷🌱

[@PlainVanillaGrandmaCarol]

I failed to say that the Humana supplement insurance I have is only for help with my prescriptions. It costs me $27.80 a month.

[@ashleysullenberger7731]

You should look into Medicare savings program at your local welfare office if you qualify they will pay for Medicare part b

[@PlainVanillaGrandmaCarol]

I will check into that. Thank you 🙂

[@lidiacampbell3790]

I have depression and anxiety and I’m on SSdi and I have a part time job so it help . I get fuel assistant and food stamps and discount on my cable . So look into those governments help on . I just stop by to day and sure your channel. Hope you say positive. Your vedio is inspiring in.

[@PlainVanillaGrandmaCarol]

Hi Lidia, I'm so glad you stopped by. Thank you for telling me about the assistance you get. I will check into it!

[@bdaina]

Lidia Campbell, how long have you worked while getting SSDI? I'm desperate to leave my abusive marriage but ssdi is not enough and I'm afraid to work at all...because SSA can decide to stop benefits if they decide you are capable of full time work. if u don't mind please share your experience.

[@PlainVanillaGrandmaCarol]

@@bdaina I didn't work any after I was declared with a mental disability. My Dr did not want me to try to go back to work. (I was in a really bad place mentally). I immediately applied for Social Security disability and in two months I was getting checks. I also receive a retirement check from my job.

[@rhondawiggins5728]

Also the next time you go to the blood bank ask them if you can donate plasma here in Florida they pay 30 bucks a pop and you can donate three times a week. The only reason I don’t do it is because it’s so far away from where I live.

[@PlainVanillaGrandmaCarol]

Hi Rhonda, I have considered doing that. I'm pondering on it.

[@sheilalee6486]

If you volunteer at live theaters, music halls, even movie theater you will be able to see the productions. Movies in the park in the summer are free. There is a lot of different free entertainment in all towns and cities, no matter how small the towns are.

[@PlainVanillaGrandmaCarol]

Hi Sheila, Good points!

[@sjordan7085]

Covid has taken care of volunteering for theaters, and other places, especially when Senior Commuity Centers are also closed and operating online and providing drive-up as well as Meals on Wheels. I used to enjoy a couple of their classes, but nolonger miss any of it. Too busy with other things.

[@PlainVanillaGrandmaCarol]

@@sjordan7085 hi again. I'm going through and looking for any comments I have missed. If I fail to respond n some way let me know by telling me in a current video's comment or email please. I don't want to ignore anyone but sometimes I just don't see them. Thank you for being here!

[@EllensAbundantLifeonLess]

Hi Carol! I'm trying to catch up on my viewing. Too many projects going on right now. Living on a lower income is a learning curve for sure. It's life changing. Like most things, I challenge myself to do well with what I have and can afford. It's not always easy, but I manage. It forces you to get creative instead of just running out and buying everything (which is what I used to do when I worked). Fortunately I do have an active social life, but I don't mind staying home either, in fact I usually prefer it. Always plenty to do here. I have to make an effort not to isolate myself too much and to go out among people as much as possible. Would I do a few things differently? Yes, but not many. I'm content with my life and don't need more.

[@PlainVanillaGrandmaCarol]

I think the older we get the less things we need or want.

[@CentsibleLivingWithMoneyMom]

You do a great job on your budget

[@PlainVanillaGrandmaCarol]

Hi Dawn! Thank you for stopping by to visit me. I watch every one of your videos but I don't always comment. However I always give you a thumbs up 👍 even before I watch because I know whatever it is, your video will be great. I didn't comment on today's video about 3 different budgets because all I could think is "dang, I wish I had $3,000 a month!!!" 😊 Even $2,000 would be wonderful!

[@loiscampbell3510]

I was forced to retire due to medical issues at 59, so I had to pay $700 a month for COBRA health insurance until I was eligible for Social Security. When I first applied for SS at 62, I went into my local SS office. They ran the numbers for me and checked to see whether I would receive more $$ using my OWN history, my husband's OR my ex-husband's. My deceased husband always worked for the county government (since getting out of the Army after Viet Nam) and since the county has a retirement system of its own, county employees don't have SS taken out of their checks - so that went no where, as I knew it would. And, as hard as it was (and is) to believe, my ex (who was self employed) failed to report his true earnings over the decades so that was out of the question too. In the end, I collected on my own earnings and contributions to SS due to the years I worked outside the county; and that amounts to $106 a month after they deduct $90 a month for my supplemental insurance. I'm fortunate to received a modest county pension of my own and half on my deceased husband's or I don't know how I'd make it.

[@PlainVanillaGrandmaCarol]

When I had to retire I could have kept my health insurance but it would have taken my entire retirement check ☹️

[@PlainVanillaGrandmaCarol]

That is why I hope we’re can all help each other find the best ways to live on a low income

[@PlainVanillaGrandmaCarol]

I’m glad you have the pensions!

[@markbajek2541]

That's one of the issues with people under reporting self employment income , No FICA taken out, no fica credits or reduced wages reported to calculate AWI

[@Salty_Knuckles]

Try using your iPhone as a hotspot and see if it can save you the $50 for the broadband service. Most carriers have an over 50 discount rate. I use T-Mobile.

[@PlainVanillaGrandmaCarol]

Thank you!

[@cynthiakraus1219]

I have Att on an iPhone. I pay by the year and it’s $400.00 which comes out to $33.33 a month but you have to pay for the whole year. Worth it and don’t have to worry about a monthly payment.

[@PlainVanillaGrandmaCarol]

Hi Cynthia, I have since bundled my phone and internet and the cost is about half. My subs have made suggestions and and saved me a bunch of money. I appreciate you, and everyone else for sharing ideas and suggestions. 🌱🌷🌱

[@friend757]

Mint mobile prepay $180 year for 4GB data per month, uses same cell towers

[@BootsieOnTheBeat71]

Carol this video went viral 🙌😃

[@PlainVanillaGrandmaCarol]

A little bit!

[@leisure057blank3]

Wow, I was wondering where food would come into the picture. Thank goodness you have a pension too. Does your apt have a gym or does your medtcare include silver sneakers so you could get on the treadmill and take some xercise classes. At the very least a daily walk would be some exercise. Perhaps you could do some volunteer work at a food pantry or something they would probably give you some food. Sometimes city bus companies have discounts or free fares for seniors. I am not on so yet but I have to walk , so I walk around the mall, 2all mart,target, the grocery stores etc. that so should have been shortcut for social security, the spell checker can not allow misspell8ngs

[@PlainVanillaGrandmaCarol]

Hello! How are you? Thank you for visiting with me. I totally understand about spellcheck! I often use the dictation thing instead of typing out my responses . sometimes it just does not understand me as weird things appear on the screen! Really, i am doing fine, I have plenty of food but if I didn’t have my little retirement check it would be another story. Everybody on Social Security just has to budget things out and have a plan. I live 4 miles from the closest bus stop but I would not move to be closer. My apartment is cheap, clean and really nice. All things considered I’m doing exceptionally well. Thank you for coming in and giving me ideas. 🙂

[@golflover65]

You are so mean

[@golflover65]

That was not a nice comment

[@leisure057blank3]

@@golflover65 what exactly was mean about my comment?

[@heatheryellowowl1219]

And as far as tithe...i know u feel u need to pay that but ur needs have to come first...God loves u no matter how much u pay...that is a great deal...i pay 5 or 10 a month and if i cant do it but im still blessed

[@PlainVanillaGrandmaCarol]

Hi Heather, Thank you for visiting with me today, and thank you for your comment. 😊 How are you?

[@julienorris3151]

Most people don't tithe. Jesus helped the poor ur living below the poverty line. Keep that %10 of ur income. Im on SSDI i have hypothyroidism my Synthroid is very cheap please dont just take supplements ur thyroid regulates literally every part of ur body including ur brain, heart, hearing, ur quality and quantity of life depends on the health of ur thyroid. I very much appreciate when other disabled and/ or people living close to or below the poverty line do what we can to help and support our community. Carol ur saving lives . Ur providing a space where people who might not have anyone else to talk to can speak and be heard. God bless u and ur daughter. Never feel guilty if u cant make a video u do what u can when u can. U take care of urself first.

[@PlainVanillaGrandmaCarol]

Good morning Julie! Thank you for your sweet comment. I have made several changes since I made that video. I guess I should make an updated video.

[@debbieframpton3857]

After Medicare my social security is 1069 my mortgage is paid for so I just have house insurance real estate taxes and utilities no debt I deposit 200 of that into savings and I am able to live off the rest.

[@PlainVanillaGrandmaCarol]

Hi Debbie, That is wonderful!

[@sjordan7085]

Carol, it would seem to me, you may qualify to have Part B Medicare paid for by Medicaid, if you do Part D which pays for prescriptions would also be free for you. You would then pay only two or three dollars per prescription depending what it is. Also the local hospital will write-off any bill not paid by Medicare. After a hospitalization for five days, after Medicare, and their write-off I owed $60.00 which they did not cover for some reason. This applies to anyone who lives on less than $40.000, a year and does not own property. A car does not count, and you are allowed other items to a specific value determined by them. I buy dog kibble at Costco, Kirkland salmon kind. Then, I mix brown rice, frozen peas and carrots and ground turkey from Grocery Outlet. I sprinkle powdered probiotics on it and serve with a little egg or cottage cheese. A box of 24 plastic containers of ready made dog dinners for small dogs costs $27.00 plus tax, it costs me $7.00 and takes a few minutes to prepare, without preservatives, which is healthier for my dog. He weigh 18lbs, I freeze the mixture of rice, veggies and meat in 1Cup freezer bags and feed him two meals a day. This lasts him several weeks, generally three or four, and he likes the juice it makes.

[@PlainVanillaGrandmaCarol]

Oh my gosh! Thank you for all of this information! I especially appreciate the info about dog food. Tell me about the powdered probiotics and where you get it please. I got signed up for the free Medicare advantage plan during open enrollment and I am excited!!!! Monday I will make an appointment with my Dr, dentist and optometrist! I am grateful to have that!

[@sjordan7085]

@@PlainVanillaGrandmaCarol The Probiotics I use for my dog, rabbits, and cat is called 'Probios' you can buy it at a feed store or from Chewy on the internet, not cheap, but you only use a little and it lasts a very long time, it is in powder form. My dog was a rescue, needed neutering and vaccinations, he was kept outside and not fed well. He has since gained three pounds, and nolonger has crusty eyes. His coat shines and he has cleaner teeth from chewing on the occasional soup bone. I believe that feeding food that is nutritious saves on vet bills that I cannot afford. And, a daily walk at the park benefits both of us. Your dogs are very cute, and must be good company for you.

[@PlainVanillaGrandmaCarol]

@S. Jordan, I found it on Amazon for just under $10 for an 8 &1/2 oz container. I am SO GLAD you told me about that. Thanks!

[@donnamcclenton7340]

Let me say this.. many on social security don’t qualify for snap benefits or state medical.. I’m one of them because I’m on ssdi as a adult disabled child.. she has to be careful renting out becsuse it’s subsidized housing.. But I tell you friends I’m living on ssdi and my rent is $700 a month alone..now what I will say is put yourself on a cash budget ..I pay the Medicare premium and I have a additional insurance that’s $27 a month and as long as I stick to a strict budget I live good

[@PlainVanillaGrandmaCarol]

Hi Donna, Yes, life is good for me as well.

[@donnamcclenton7340]

@@PlainVanillaGrandmaCarol I downsized 9 years ago and I pay $700 a month... but.. heat .. water and trash is included in my rent..

[@PlainVanillaGrandmaCarol]

That is a wonderful deal!

[@g.montoya5658]

This was 2 years ago. Things have improved. You mentioned about a deduction from your check for medical. That no one knows about. These days they let you know the amount they pay out of your check for medical insurance. I applied for medical through the welfare after 6 months of $150.00 per month taken out if my check. Welfare now pays it and reimbursed me for what was deducted. I also qualify for foodstamps. Things have improved from 2 years ago.

[@PlainVanillaGrandmaCarol]

I'm going to check and see if I qualify for food stamps now. The way inflation has risen I just might. I have found cheaper cell & internet among other changes. We just have to stay on top of everything. Good luck to you.

[@g.montoya5658]

@@PlainVanillaGrandmaCarol Keep me posted. I'm glad I can help. Also apply for medical so they can pay your premium and hopefully reimburse you. Tell them all this is making you go through hardships. I mean were all Americans we have options. The Government promises no American will go with no medical insurance. The medical ins. social security set me up with had no dental coverage and the welfare medical includes medical. It's worth a try. No one tells us these things. I believe you qualify because you pay alot in rent. Good luck.

[@t.latimer9542]

I pay $55. Comes out $61. for the Straighttalk card that way I don’t need Internet I do most of my internet on my I phone6.. banking, car ins, etc once in awhile I use the libraries for larger internet projects like copying off paperwork..etc. I have an hdmi cable to hook up KZbin and Pluto on my tv.. you might want to consider this as you could save approx forty dollars a month

[@PlainVanillaGrandmaCarol]

Many of my subs gave me suggestions on lower prices and I appreciate all suggestions. I have lowered several bills because of their advice! 😊

[@tracymorgan5386]

You may be able to get food stamps and Medicaid. That would take care of medical insurance and help pay food. How about food banks and if you don’t live in a senior building you should apply for one you may get an apt that cost much less rent than you do now.

[@PlainVanillaGrandmaCarol]

Hi Tracy, I'm really fortunate and blessed to have this subsidized apartment. I couldn't afford an apartment without it. I don't qualify for food stamps. Really, I am just fine, just have to be careful and frugal. I wouldn't take food from a food bank because I know there are so many people far worse off than me who really need that food but... in the future I might have too.

[@jevelwilson]

I’m going to have to live on $850 a month. I worked from 16 to 20 part time & 21 to 35 full time. I had to stop working to take care of my special needs son & then over the next 7 years my health declined greatly with multiple complicated medical conditions. Because was finally approved for SSI at age 52. I don’t know how I am going to survive past the next 3 months.

[@PlainVanillaGrandmaCarol]

Jennifer, it is scary. That is just the truth but I think it will all work out to be ok. We just have to find help for you. I live in a city of 200,000 so I don't have experience in a smaller town. I don't know what size place you live in but if there is not help from your city then let's look to the state to see what they offer. I know someone here who gets about that much but she gets most of her rent paid by HUD, food stamps, medical help by being on Medicaid. After all the help she gets she seems to do fine as far as having necessities covered. If there is a Sr. Citizen's center where you live then ask them for any information about help for you. If your city has a health department contact them and ask the same thing. See if your city, county, state has a department of caring for the aging. Ask your Dr. if they have any information. Is there a United Way office where you live? They should have info. If there is a public health office where you are check with them. If you are comfortable talking to a Minister they probably have information. If you are still caring for your special needs son then I hope you are getting every bit of help you can for his care. Jennifer, I'm sorry you have had a rough time and it sounds like you have health problems that won't make it any easier. I just pray that you can find ALL the help available and please accept it. Do you have family that will make sure you are ok? Please stay in touch with me. My email address is in all of my videos in the description.. [e-mail] I really care about you and how you are making it. Carol

[@jevelwilson]

@@PlainVanillaGrandmaCarol my family is extremely toxic, abusive & dysfunctional would be an understatement. I have to move out of my toxic parents house by 9/30 but because of Covid, the Drs Moines & Iowa housing resources are over 2 years behind. I might not get my section 8 application looked at for 9 to 12 months. And almost all low income/rent controlled apartments are full with a 6 month to 2 year waiting list. The only couple of possibilities so far are available 7/16 & 7/20 but they require a $600 deposit & first month rent & SS only paid me $300 this month. My car has to get the brakes replaced ($350), I have to get my car registered & my new driver’s license ($150) because I moved from IL to Iowa when I lost my house. Medications are $110 a month. And Iowa has few resources or help for the low income people. My Dr needs me to take my BP twice a days because I have high blood pressure & POTs (a comorbidity of my Ehlers-Danlos Syndrome) but Medicaid in Iowa will not cover the cost for a BP monitor. The one I was given in Illinois about 10 years ago died about 3 months ago. I have been extremely isolated for years because of my health & have no close friends or anyone to help me move & no money to pay for movers. There just really isn’t any point to living alone in constant pain.

[@PlainVanillaGrandmaCarol]

@@jevelwilson Bless your heart Jennifer. I understand the isolation. I see no one but my family and is one of the main reasons I started a channel at the encouragement from my therapist to have some kind of interaction with people other than my family. I wish I had answers and money to share with you. I don't but I can offer you friendship. Please stay in touch. Carol

[@kristinab1078]

@@PlainVanillaGrandmaCarol Your responses to your viewers are so thoughtful and thorough. I've been on KZbin a long time, and your responses are the best. Bless you for taking the time and trying to make a difference through your encouragement and recommendations. 💜

[@sharoncook8020]

Carol instead of paying for internet use the hotspot on your phone if you don't have enough you can purchase more on you plan

[@PlainVanillaGrandmaCarol]

Hi Sharon! How are you? Thank you for stopping by to visit me and for the advice. I will check in to that.😊

[@pattyknox7350]

I'm on disability too. I've to admit...I get more then you and STILL am having issues making it! I REALLY need to budget like you...I'm just so used to being independent and NOT having to worry about a budget or monies. I too have thyroid issues... mine was removed in 2013 and was diagnosed with Hashimoto's. The symptoms are the worst...ugh

[@PlainVanillaGrandmaCarol]

Hi Patty, Welcome to my channel. 😊 I totally understand about struggling to make it. I tell you, the stimulus money has been such a blessing for me. I know we probably won't get any more but it would be nice. Where I live groceries keep going up and now our electricity is going up. I really worry since Social Security is never going to come close to covering essential things. I know, SS was never meant to be all the money needed for retirement but I don't know what the answer is once you can't work. I'm looking in to online jobs but I don't know how much I could do.

[@lindawilson8434]

@@PlainVanillaGrandmaCarol i don't understand why seniors never get more I u de5stand people with children will be getting 300 more per child each month but nothing for seniors They don't care

[@Lee-fb4oj]

some libraries have movie night as well as craft sessions. I hope you have a local thrift shop. Sign up for church food pantry. Apply for EBT. Apply for SSI. Apply for a senior discount on Electric bill. Use fast food apps for free offers and dollar deals as well as free coffee. Buy a lotto ticket every week. Would you consider sharing your space with a family member who may be living only on SS? Do you have space to plant carrots/string beans/spinach etc for a pasta pesto? Make a few drops of dawn, baking soda & vinegar mixed with water be your cleaning supply for the year. Cut up a towel to replace paper towels.

[@PlainVanillaGrandmaCarol]

I have checked with our area agency on aging and have applied for things I qualify for. I am no where near the point of needing food banks because I am pretty good at stretching a penny and just not spending money on non-essentials. I really think 10 times before I spend a penny!! 😊 and I am doing real good. I am luckier than most Sr citizens and I have everything I need. I live in low income housing that goes by income. Therefore, I can't share my apartment with anyone because their income would make the rent go up. Thank you for all of your ideas though. Have a wonderful weekend. 😊

[@Lee-fb4oj]

@@PlainVanillaGrandmaCarol Great! I listed things for whoever reads the comments. There is even the possibility of getting your Medicare fee refunded to you. So happy my husband does.

[@PlainVanillaGrandmaCarol]

@@Lee-fb4oj Oh wow! I will definitely call and see what I can find out about the cost of Medicare being covered. That would help so many people. Thank you for every single suggestion and I know people do read the comments! 😊

[@maha77]

When your Social Security Disability converted to regular SS, did the amount change? Thanks for your video it gives me hope I can make it work!

[@PlainVanillaGrandmaCarol]

It has been so long ago, but I don't remember it changing. Hang in there!

[@lindsayjohnston7465]

Check for Food banks in areas Lot of people because of Pandemic due to age or other restrictions can't get back into job market

[@janetsinclair3668]

Hi l think you are doing very well.l also think there are many frugal food tips that l follow.otherwise l think you are living a great life considering your disability God bless take care ps luv the dogs.😀🐈🎅🤶merry Christmas

[@PlainVanillaGrandmaCarol]

Thank you Janet. I am glad you stopped by to visit and left me a comment. I hope you have had a great weekend.🙂

[@tamib64]

Firstly, I would like to address your tithing! Bravo! I love that! God is good and faithful! Our library has free admission to museums, gardens etc. There is also an organization that drives people to grocery shop, doctor appointments etc. It's called Neighbors Who Care. Maybe there is something like that where you live? Do you bundle your insurance? Sometimes you can get a break on that. AARP has insurance etc. I bought an electric trimmer, nail grinder and tweezers to groom my dog. All together it was $50. Each time I take my dog for grooming it is $90. It took a little time, but I'm saving a ton on grooming expenses for my cockapoo. Have you thought about checking out watching another dog? I pay a neighbor to watch my dog $25 a day, some people charge more. A little side hustle might help. God bless you and your daughter.

[@PlainVanillaGrandmaCarol]

Thank you for visiting with me today! I'm writing down all the questions I get and will make a video about them so stay tuned and I will eventually answer all your questions! 😊

[@lindawilson8434]

Yes God is good So happy you mentioned tithing GOD is our provider for sure

[@lindawilson8434]

The organization that can drive you to apps is fabulous We have a program like that through our senior center and I have used it in the past after having surgery for Dr, apps. I had an Uber once and it was really expensive.

[@lindsayjohnston7465]

You can plan do all the right things you never know an accident or illness can change your life Government should take better care of their citizens

[@PlainVanillaGrandmaCarol]

Hi Lindsay, I'm sorry it has taken me so long to acknowledge your comment. I have had covid the past month. I hope you are doing well and I'm so glad you came to visit me. I hope you have a very Merry Christmas!🎄

[@megablessedgram]

Hi Carol! I heard what you said your SS amount is, but didn’t hear your pension amount. Of course if you don’t want to share the amount I totally understand! 😉. I’m facing retirement soon, I’m going on 69 years old. Trying to make ends meet. Thank you!

[@PlainVanillaGrandmaCarol]

I understand making ends meet. My retirement check is several hundred less than my Social Security check. I didn't give the amount because I wanted the focus of my video to be on this is how much you might get from Social Security and point out what all mine won't cover. I hope everyone makes a list of all there normal expenditures and see how much will be covered by their Social Security. I have never heard anyone say that they have a lot of money left over.

[@megablessedgram]

Plain Vanilla Grandma ...Thank you Carol. 😉

[@kennethtomlin4889]

It would be so sweet to relax and just have time to relax and enjoy life on SS.

[@PlainVanillaGrandmaCarol]

And have enough money to do something fun!

[@joseph6948]

I'm glad you have a private pension over and above Social Security!

[@PlainVanillaGrandmaCarol]

Me too!

[@vicki900]

New subscriber I use Walmart family mobile $25.70 total a month works wonderful

[@Grabfma040508]

Oh no ! Can you get Comcast service ?If you can you can pay $10 a month for WiFi . It may take a lot of perseverance to get it but is worth it . Good service

[@PlainVanillaGrandmaCarol]

Hi Karen, How are you In? In my area the only provider to my apartment building is Suddenlink but I recently bundled my cell and internet and pay a whole lot less that way.

[@AmandasBudgets]

I’m starting a Roth IRA at the end of this year because I’m 33 and both my parents are almost 60 - they are separated but they struggle now and neither of them saved for retirement. My dad will only get 766 in 3 years every month if he needed to retire so he will continue to work as long as he can. My mom is in disability she rents a room for most of her check and she can’t afford a place of her own. She only gets 1025 and her rent is 700. She can’t afford all of her bills. Also she never saved for retirement. With high rent in my area the lists are very long or closed for low income or income based units. 2-6 year long lists! What do you do if your homeless? Live in your car?

[@PlainVanillaGrandmaCarol]

You would not believe the number of senior citizens that are forced to live in a vehicle. I watch Glorious Life on Wheels. Her name is Carol and she often interviews women who have to live in a car or van. I watch Lindy and Lovie. I think she is 74, lives in a van and works at Walmart. That is how I ended up on KZbin... I was searching for information on what to do when I no longer can afford rent. I'm so glad you are saving up for retirement. Make sure you never stop saving. Good luck to your parents. Many of the women I have learned about living in vehicles get around $600-$700 a month. It just doesn't go very far. 😥

[@esthernoel3793]

Thank you for sharing. Great video for budgeting!

[@PlainVanillaGrandmaCarol]

Hello Esther, Welcome to my channel. I'm glad you visited with me today!

[@anniesshenanigans3815]

I am working on paying off my house before SS. I do not want debt in retirement!!

[@PlainVanillaGrandmaCarol]

Good morning! Welcome to my channel. ☺️The smartest thing you can do is have no debt! You have a good head on your shoulders. Thank you for visiting with me today. 🌱🌹🍃🌹🌱

[@aqueen13]

That is one of the smartest things you can do! Rent and house payments often eat up most of the social security/retirement funds so without it you’re creating a space for wiggle room in the budget. 🤗 If you have a paid off house then rent essentially is never more than taxes, which is much lower than actually renting anywhere. It’ll be a very exciting day when you get it paid off. I am rooting for you! 💕

[@8ofwands300]

@@aqueen13 true but even a paid-off home doesn't mean your home is " free"...property taxes, home maintenance and - if you're in a condo - monthly HOA fees. I've owned my condo for 15 years, and I pay $ 700 a month in taxes, home owner's insurance and common fees. 😕. Plus I'll need to replace my furnace soon which will cost upwards of $15,000. Some days I think it might be more economical for me to rent - then at least I'm not responsible for maintenance.

[@aqueen13]

@@8ofwands300 true... there are definitely unexpected expenses that come with home ownership and if it’s an hoa the fees can be pretty steep. This is one of the reasons I am looking into multi-gen housing or places with mother in law apartments.

[@johnjamesjoseph9530]

15000 is high for a condo furnace. Better do some research and get quotes from other companies.

[@MarkWayUp]

we have to live on my VA pension......so i get it! with God's help...we've been able to pay off our house so it's a bit easier for us and we can travel too now that we've been saving up for a while.....hi Toby! :) we have to enroll in medicare next year....not looking forward to it....:( we prob won't be getting any $ from SS because we haven't been working for 10 years and my wife has not been working to take care of me....our car and home ins takes a big chunk out of our budget.....thankfully, i get my rx and doctor visit free at the VA hospital...we do have to drive 3 hours to get to it though....sounds like you really are frugal.... good video!

[@PlainVanillaGrandmaCarol]

Mark, First of all thank you for your service in the military. I appreciate your contribution to keeping us safe and free. Thank God for the VA. My ex-husband has VA benefits and his medical care has actually been wonderful but without the VA it would’ve been pretty bad. Go to Social Security.gov make sure it’s.gov and you can sign up to for A “my Social Security” account. On your my Social Security account you can get an estimate of what you will be getting and Social Security benefits. Please check it out so you’ll know if you’re going to get anything. Also you can see your income for every year you worked. it’s a good idea to go and check that and make sure there aren’t any mistakes because if you paid into Social Security either deserve to get it. If you aren’t going to get any Social Security I don’t know that they can make you enroll in Medicare because they charge you 135.50 per person a month.

[@PlainVanillaGrandmaCarol]

Also have your wife set up a my Social Security account. if you’ve been married I think it is 12 years or longer then she can draw Social Security on what you paid in, if you ever paid in anything Social Security. I am going to double Check this information but I recently was told even if you were divorced like I am if your ex spouse served in the military then you are also eligible for VA benefits so it might be that your wife can get medical care from the VA. I hope that’s true I’m going to investigate it and tell everybody about that in another video.

[@PlainVanillaGrandmaCarol]

It only makes sense to me that if divorced spouses can get VA benefits then surely if you’re still married she could get VA benefits.

[@PlainVanillaGrandmaCarol]

It is me AGAIN! If you never paid in to Social Security but your wife did at any time in her life then you should be able to draw on her Social Security just like she could draw on yours. If a spouse draws Social Security on their spouse's contribution it does not affect what that person gets. I hope this is not as plain as mud!

[@MarkWayUp]

thansk for all the great advice...going to do that now!!!! :)

[@livinginthemoment1625]

This is not a new video. So why is it just now showing up in my feed. Ack. This is nuts. I know l watched every one of your older video. And thumbs and commented. They seem to magical disappeared. Ha ha. Oh well. Ill watch them again .😜

[@PlainVanillaGrandmaCarol]

KZbin is famous for it's glitches. 😠

[@Lonelypenguin0211]

I live off 1,008 dollars A month it can be very challenging plus a small amount of investment I get makes it difficult I have help from family but this is very helpful I’ve learned it’s very important to make a budget

[@PlainVanillaGrandmaCarol]

Hi Disney fan! Thank you for visiting with me today. Living on the amounts we have are sure a challenge. I have never been to Disneyland or Disney world.

[@serin7318]

What a lady!

[@saffronsworld1508]

If we return a faithful tithe, the promise is that He will provide.

[@PlainVanillaGrandmaCarol]

Tithing always works to bring us blessings.

[@wandadraughn1102]

Amen❤

[@bruced.370]

Reward in heaven is priceless 💖