It's the End of the World
There's speculation, thanks to those pesky Mayans, that 2012 will see the end of the world. I never really held much belief in all the gloom-and-doom predictions. But, now ... I'm not so sure.
We've seen some changes in the past few weeks that make me a little nervous. Okay, they're good changes, but still ... [Continue Reading ...]
The Hole
Those of you who've followed this blog know that Mark is disabled and we're on a fixed income. A very, very fixed income. That means some seriously tight budgeting and no raises, except through the benevolence of the powers that be in DC. For a couple of years now, they haven't felt very benevolent.
If the income limits weren't frustrating enough, we've also been paying large amounts of child support to a deceased ex-wife for a child who turned 18 about six years ago and for 2 kids who lived with us for three years. While supporting children you helped create is important, it's pretty safe to say that no custodial mothers are seeing any of this money. Add in that the deductions amount to a noticeable percentage of your monthly income and it becomes frustrating, to say the least.
The Shovel
Now, starting in 2012, some of those burdens may be easing. We may be able to shovel some of the dirt back into the hole.
For the first time in what seems like an eternity, the Social Security Administration has announced a COLA for next year. For those getting SSI or SSD and paying Medicare premiums, it will (probably) be a wash - as the powers-that-be are upping Medicare premiums for 2012. For us, we get to keep the entire 3.6%! Woo! and Hoo!
At the same time as this modest (but wonderfully welcomed) increase in income, we are looking at (possibly) doing away with the child support on young men who are now 25, 22, and 21. I say possibly, because Arizona is what is called an interest state. This means that they can charge interest against child support payments. And, trust me, they do.
When it's all said and done, we will have paid nearly 100% interest on one of the accounts! We don't (yet) know if they are going to start assessing interest against the other one, when it's paid off next month. Cross your fingers - and eyes and toes - that we get a break on this one.
The Light
What these happy little changes mean for us is what I like to call: the-non-train-light-at-the-end-of-the-tunnel.
We have been without a vehicle for about 4 years. Luckily, we live spitting distance from a major intersection where buses arrive and depart - in all four directions - on a fairly regular basis. And two businesses on 'our corner' sell reduced-rate bus passes. Anywhere too far to walk is a reasonably easy bus ride away. With two major caveats: 1.) Mark is at risk for skin cancer and heatstroke (because of his transplant meds) and can't be outside for long periods waiting for a delayed bus; 2.) One simply cannot haul a month's supply of groceries home on the bus.
With the additional income and reduced expenses, we can finally start saving for a new-to-us car or truck. This benefit simply cannot be overstated. As a transplant-recipient, lung cancer survivor, insulin-dependent diabetic with reduced kidney function who is predisposed to skin cancer and diabetic complications - Mark really needs to see his doctors on a regular basis.
Unfortunately, buses are out of the question - we tried it, it was simply too difficult for him. And the round-trip cab fare to the hospital is simply impossible, as often as he would need to be there. See, this doctor only sees patients one day a week; that doctor prefers a different day, and the Vision Clinic ... well, they have their own special days and times. It, basically, boils down to seeing doctors every month -- or eating.
And, speaking of eating, that's no cheap trip either. It costs us almost 10% of our monthly grocery budget just to get to the store and home again. This means we must get everything we need (that the freezer will hold) for the month in one trip. There are no oops-I-forgot-the-??? runs in our lifestyle. Just can't be done.
So, as you can see, putting a vehicle back in our parking space would be one of the absolutely best things we could ever do for ourselves. Not to mention, with the money we save on cabs, we might be able to go out to dinner, once in a while. Or shop the grocery sales, as they happen. Or visit our sons. Or take a mini-vacation.
End of the World
There's a song, by REM, with a chorus that states: "It's the end of the world, as we know it." It appears, from where I'm sitting, that 2012 may well be the end of the world, as Mark and I have known it for several years now.
Change - good or bad - is never comfortable. But it would certainly be nice to catch a break. Ya know?






































