Tag Archives: disability insurance

Money, Budgeting, and Mental Health Issues

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Been kind of housebound for the last couple days.  Fortunately not because of depression or anxiety, but because of the “end of the month blues.”  So I pretty much stay home and keep in contact with people via Facebook and cell phone.  As a result of staying home so much, I’ve been able to avoid rude people.  I am pleasantly surprised when I meet polite people who know what I’m talking about when I refer to science, tech, or science fiction.  One example was the pizza delivery man who recognized that I was playing Skyrim on my Play Station.  He even asked me if I had the expansion packs.  Unfortunately no, I’ll have to save up for those.

Lately I spent some money to promote the blog.  I think it’s working.  My friend Matt, the high school history and economics teacher, keeps telling me he thinks it’s possible that I could get picked up by a large service if I keep at this blog.  Personally, I think that’s a small possibility  A very small one.  But if I was doing this mental illness blog for money, I would have given up a long time ago.  As long as I can keep on my budget and stay out of debt, I don’t care if I make money from this blog.

Even though I’m low on money with a few days of the month left, I was fortunate enough to have enough food and supplies built up to carry me over the finish line.  It’s the first month in a long time that I ran low before the end of the month.  Normally I’m better at budgeting than this.  But August is a new month and I can start over.  I’m glad I didn’t have to go into debt to make ends meet this month.  Some people I know can’t claim that. I am so glad to not be in debt.  It makes living on disability insurance much less stressful. And if a person were to really look at it, one can live pretty cheap if you plan ahead.

Because I have no debts and a few emergency supplies, I can ride out months like this with unforeseen expenses and being too free with the money.  I probably shouldn’t have ordered pizza delivery when watching the US national soccer team those two times.  I probably shouldn’t have bought those two computer games.  Maybe I shouldn’t have promoted the blog.  But I won’t look back with regret. I had some reserves in case of emergencies (or frivolous spells) like what I just went through. Of course I’ll have to rebuild those reserves, which won’t take long. But I am glad I had those reserves built up months ago in case months like this happened.

Drama Free Living

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It’s been quite quiet for me this summer.  I haven’t had any flare ups or episodes.  I haven’t even heard my neighbors arguing for weeks.  Somedays I wonder if I even have neighbors it’s been so quiet in my complex.  About the only time I see any of my neighbors is when I leave my apartment to run errands.  I don’t sit outside too much anymore just because it’s been so hot.  Fortunately we have only another six to eight weeks of hot weather left.  But I have been enjoying the peace and quiet.  I also enjoy not having flare ups or dealing with stupid and rude people all the time.

I used to have to deal with a lot of drama at work and in some friendships.  I haven’t dated for several years  simply because the drama and ups and downs just got old.  Having schizophrenia while trying to date adds a whole another level of difficulty.  And I came to the conclusion that I just don’t want to be bothered with it anymore.  I have enough problems as is.  I also had to cut negative people out of my life.  Sure it meant ending a few friendships and being real careful about who I let into my life.  And it also means much alone time.  But it’s alright because the peace and quiet is worth it.

Another thing that helps me is that I am debt free.  That is why I can live as a minimalist and not work.  I just live on my disability pension.  Right now I can budget it out that I don’t have to resort to credit cards to make it through the month.  I don’t have to take a thankless and stressful job because I don’t need the money.  As far as I’m concerned, the biggest reason to work for someone else is the money.  Being an employee, especially in today’s ever shifting and toxic work environments, doesn’t seem to be much more than glorified serfdom.  Why should any employee give loyalty to a company when the job can be taken over by machines, outsourced overseas, or just given to a younger person for lower wages?  If you’re going to be an employee, it’s best to go to the highest bidder.  An employer won’t look out for you.  An employer doesn’t care about you either.  Neither do most of your coworkers, at least that is my experience.  A boss isn’t going to help you develop your career.  You are on your own on that one.  I can do this blog without getting paid for it because I don’t have to worry about income or paying off debts.  And I absolutely love doing this blog.  It doesn’t really seem like a job because it isn’t drudgery like I was used to in my working days.  It feels more like a hobby that evolved into a life mission.

Since I don’t have debts and am content to live a minimalist life, I am quite free to write about what needs to be written.  Life with a mental illness isn’t pretty much of the time.  It is lonely, it can be frightening, it can be long bouts of depression and sadness, and sometimes I have found myself mourning over the career and lifestyle that never was because of this illness.  But, having this illness made me resourceful and creative.  It also made me smarter.  It made me think about many things that most people never have to.  It made me ask questions that most people would never think to ask.

Right now I’m dealing with a stretch where I haven’t had any real drama for months.  It helps that I have been able to largely avoid toxic, negative, and stupid people.  That’s no small accomplishment living in tight quarters like I do.  I’m pretty content to just stay home much of the time anymore.  I have gotten to where I feel naked without a good internet connection.  I imagine that’s going to become more common in the next several years.  I’m just ahead of the curve.  And I don’t have to submit to a bad boss or bad coworkers or unreasonable customers to make money because I don’t need the money.  I can get by just on my disability pension because I don’t have debts or expensive tastes.  I won’t spend a hundred dollars on a pair of jeans or two hundred dollars on a pair of sneakers or buy a new iPhone every year or a different car every three years.  I am content with what I have.  I love being a minimalist.  And that has helped me create a life with little to no drama in spite my mental illness.