Getting Ready For Winter

Been spending more time at home since the weather is turning cold.  Haven’t had any real snow yet, but that probably won’t last long.  Avoiding the stores and crowds of holiday shoppers.  I have never done well in crowds and it seems to get worse as I age.  Found out that one of my local grocery stores offers home delivery.  I have used this a few times as I really don’t like driving on crowded streets anymore.  Found out I do just fine on rural highways when I went to my parents’ place for Thanksgiving.

Overall I’m feeling pretty stable.  Haven’t done much since cleaning my apartment over the weekend.  Haven’t really been in the mood to talk to many people, so I keep to myself most of the time.  Besides talking to a few friends and my parents, I haven’t had much for a social life for the last week.  Now that I have winter supplies stocked again, I really don’t have to leave my complex for at least a few days if I don’t want to.

Between getting out my winter coat and stocking up on cold weather food, I think I’m ready for the next three to four months of winter.  Even though spring is my favorite time of year, I’ve also enjoyed winter in years past.  I usually get a lot of reading and writing done on cold days.  I don’t feel guilty for not wanting to go outside in the cold.  I am ready for winter.

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Shopping With Mental Illness

I got out and did some shopping this morning.  Bought some clothes and household supplies I was needing.  Now I don’t really enjoy shopping that much.  And I think it’s as much my mental illness making me hate crowds as anything.  I tend to get anxious when I have to deal with large crowds and if I feel rushed.  That’s why I typically do my shopping in the middle of the week when crowds are smaller.  I can quickly drop in and pick up whatever I need without fighting crowds or standing in lines.  And it’s easier to get help if there aren’t a lot of people competing for help.  Even my grocery shopping is done in the early mornings so I don’t have to deal with crowds.

I tend to shop in the same stores.  That way it’s easier to find what I need without wandering all over the store.  I am a creature of habit.  It is kind of stressful adapting to new stores, at least at first.  When I find some item I like I tend to stick with it for a long time.  I am especially this way with clothing. The thing I look for in clothing is how it feels on my skin rather than how it looks on me.  If I am not comfortable in my clothing it does effect my mental health.  I usually wear just t-shirts and pants and sneakers.  I’m not one who enjoys dressing up.  I am really not concerned with how my clothing makes me look as long as it’s functional and feels good wearing it.  I don’t spend a lot of money on clothing or just stuff in general.  I usually buy things when I need them without a lot of agonizing or shopping around.  I really don’t like shopping that much.  I am not a shopaholic.  Shopping is not one of my hobbies.

Budgeting While On Disability

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Bought groceries and supplies today.  So I’m set for another couple weeks even if it means the money is going to be tight for awhile.  Such is expected being on disability insurance and having limited funds to work with.  Being able to budget money is a skill everyone needs.  But it’s vitally important being on disability insurance.  Social Security Disability Insurance isn’t designed to make it’s recipients wealthy.  It is usually enough to get you by if you do a little planning and budgeting.

Every time I’m out shopping I hunt for sales and discounts.  I also have a rewards card (not a credit card) through one of the regional grocery store chains that gives discounts on gasoline purchases.  I have planned to where I usually get a 50 cent per gallon discount when I buy fuel.  As I don’t have a SUV or a pickup truck I can usually get by pretty inexpensive with gas.  I had a Ford Explorer for a few years but decided to trade it off once gas got more expensive.  It was good for hauling things around and I even made a little money hauling things around for friends and neighbors.  But it was an excessive expense that wasn’t worth it anymore, at least not for me.  Other luxury things I cut down on was eating out.  I was appalled how much money I was spending on eating out once I sat down and did budgets and reviewed my spending.  I probably eat out now only once a week on average.  And I found out I was a decent cook.  I’m especially good at grilling as I have one of those electric grills that I do almost all my meals on.

I also shop at discount stores, Goodwill (but I don’t buy furniture from Goodwill as I’m concerned about bed bugs), and Salvation Army. I buy most of my clothes out of season when they are on clearance.  You can find some good deals doing this.  I don’t use coupons as much as I should.  I don’t subscribe to any newspapers or magazines so I don’t get much for coupons.  But I still find deals.

Another key to living on disability insurance is staying out of debt.  Those credit card payments with interest are killers, especially on a fixed income.  All I can say if you are on disability insurance and in debt is find a way to pay those debts off.  I had some debts I could have easily gotten in trouble with.  You may have to ask for help.  You may have to negotiate with your creditors and work out some kind of deal.  You might even get some of your debts forgiven if you keep lines of communication open.  Do not avoid collections.  But do remain calm if collection agents harass you.  Getting out of debt sucks but it is more than worth it once you’re no longer making payments.

Shopping at discount stores, looking for sales, using incentive programs, and staying out of debt are vital for anyone living on fixed income.  I had friends who filed for bankruptcy. I saw how much pain and stress it caused them.  After seeing this I vowed I wouldn’t let it happen to me if I could avoid it.  I don’t have much of a margin of error with as little as I earn.  Since I don’t make much money I have to be real wise with money.  I have to control expenses.