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Old 11-03-2011, 10:27 AM   #1
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Enough

Is your ssdi enough to live on,and if not why

 
Old 11-03-2011, 10:53 AM   #2
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Re: Enough

I have been on SSDI for 14 months.

My answer to your question is: for the moment, it is enough... barely. For the long run, it is not going to be enough. All my savings were used during the years I was waiting to get approved.

With only $800 a month, I just squeak by. If/when I have a major car or house repair, or anything else expensive happens, it is not going to be enough. Don't get me wrong ... I am grateful what what I get. But we all know that things happen - especially to old houses and cars. And of course, I can't forget medical bills.

I also get food stamps and have no trouble making them last the month.

 
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Old 11-03-2011, 11:41 AM   #3
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Re: Enough

My SSDI is 1200 a month, since my son is disabled , His benefits and mone, we can get by. Right now were in HUD housing , so that helps too, eventually we are going to move , and not have HUD to rely on , so things will get expensive again. You do what you have to do , and so far we have been ok, i have been on SSDI since 07'

Last edited by mscat40; 11-03-2011 at 11:42 AM.

 
Old 11-03-2011, 01:44 PM   #4
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Re: Enough

Yes, my SSDI is enough for me to live on fortunately. My car is paid for and I don't ever plan on buying another one....just keep repairing the one I have now.

 
Old 11-03-2011, 01:45 PM   #5
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Re: Enough

@Vann04>>>hey Vann, what about you? You did not answer your own question.

 
Old 11-03-2011, 01:58 PM   #6
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Re: Enough

Quote:
Originally Posted by BlueSkies14 View Post
@Vann04>>>hey Vann, what about you? You did not answer your own question.
Yes it is blue I am very lucky that my wife to be makes $23 an hr at her job and I get over $2,000 a month. So I'm blessed I worked a long time to get what I'm getting, I wish every one who is on ssdi gets enough to live on no one should live a sub standard life in this country we are the USA not a third world country.

 
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Old 11-03-2011, 03:09 PM   #7
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Re: Enough

I have enough with retirement disability, SSID and the childrens benefits to live without issue (especially because we had to declare bankruptcy) Our house payment is lower than most rent, so we have been able to easily save $1000 every month.

But now the van died... (2001, 182,000 miles) and we have a car payment, we are still able to save. We are doing it because someday we will have to get another car for DH and don't want to get used to spending all our money each month.

Pup

 
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Old 11-03-2011, 05:51 PM   #8
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Re: Enough

Quote:
Originally Posted by pupcake View Post
I have enough with retirement disability, SSID and the childrens benefits to live without issue (especially because we had to declare bankruptcy) Our house payment is lower than most rent, so we have been able to easily save $1000 every month.

But now the van died... (2001, 182,000 miles) and we have a car payment, we are still able to save. We are doing it because someday we will have to get another car for DH and don't want to get used to spending all our money each month.

Pup
Thats great that you are able to save like that, me and my wife are still trying to catch up from the move from illionise to Florida we hired a moving co. At the tune of $8,000 then first and last months rent for an apt. To the tune of over $2 500 then auto insurance doubled in Florida and it cost over $500 to change plates and get new driver licenses but thank goodness they don't have a state tax.I just have to stay healthy till I get Medicare in march of next year. We have no plans on buying a house cheaper to rent and I'm to old to do the up keep on a house anymore. Plus I gave my ex my car so all we have is my wife's. I'm glad it's new don't have to worry about it breaking down.

 
Old 11-03-2011, 11:30 PM   #9
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Re: Enough

You said all you have is your wife's car now, Vann. Are you guys married now?

 
Old 11-04-2011, 03:59 AM   #10
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Re: Enough

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Originally Posted by BlueSkies14 View Post
You said all you have is your wife's car now, Vann. Are you guys married now?
Not yet but I call her my wife anyway it's her car it's a 2010 Mazda 6,I drive it also we are getting married ai may.

 
Old 11-04-2011, 06:27 AM   #11
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Re: Enough

Congrats Vann. I wish y'all lots of love and happiness together. I agree with what you said about renting as opposed to buying a home. Renting makes a lot more sense for many people esp. if the couple has no small children.

I am single and my biggest expense right now is the monthly rent I pay. When I was working, I use to spend a lot of money on geek gear and techie stuff. I quit doing that when I became disabled and that alone has saved me a tremendous amount of money. Most of my meals now are also home cooked. I also gave up the fast foods when I became sick and unable to work. This not only saves you money but also improves your health IMO.

Gayle here is the best example I have seen on how you can survive on a budget. She lives on under $900 / month. It is amazing how little you can learn to live on. SpineAZ and some others here here gave some wonderful money saving tips in another thread.

I am sure if I was still working, I'd have the latest iPhone by now and that big 27" iMac. even tho my old smart phone and old wintel computer running windows XP pro work absolutely fine and they can both do everything "I" need them to do.

Last edited by BlueSkies14; 11-04-2011 at 06:40 AM.

 
Old 11-04-2011, 07:48 AM   #12
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Re: Enough

Quote:
Originally Posted by BlueSkies14 View Post


I am sure if I was still working, I'd have the latest iPhone by now and that big 27" iMac. even tho my old smart phone and old wintel computer running windows XP pro work absolutely fine and they can both do everything "I" need them to do.
Same here, Blue. No new toys for me. I paid off my student loans a few years ago, and paid off the mortgage on my small, older house a few years before that. It is nice to not have rent, but the constant repairs on an old house can be a challenge. Only this morning, I saw a board hanging from one of the eves of the house. Before, I would have grabbed my hammer and ladder fixed it myself. Now I have to get someone to do it.

Just a few months before I became disabled, I bought a new car and paid cash for it, so I have no car payment, and I hope it will last many more years. The computer I am using now is a 2005. Many people upgrade their computers every couple of years - so I hope I can get a good deal on a used castoff, when this old computer dies.

 
Old 11-04-2011, 09:56 AM   #13
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Re: Enough

Quote:
Originally Posted by gayle4102 View Post
Same here, Blue. No new toys for me. I paid off my student loans a few years ago, and paid off the mortgage on my small, older house a few years before that. It is nice to not have rent, but the constant repairs on an old house can be a challenge. Only this morning, I saw a board hanging from one of the eves of the house. Before, I would have grabbed my hammer and ladder fixed it myself. Now I have to get someone to do it.

Just a few months before I became disabled, I bought a new car and paid cash for it, so I have no car payment, and I hope it will last many more years. The computer I am using now is a 2005. Many people upgrade their computers every couple of years - so I hope I can get a good deal on a used castoff, when this old computer dies.
I use to do all the repairs when I had a house in Michigan and without fail in the winter something would go wrong. I had a doublewide mobile home 3 bedrooms 2 full bathrooms a separate room for the washer/dryer a wood burning fireplace a shingled roof with vinyl siding and one winter the temp fell to -15 with a windchill of -50 and my heat tape went out and my water line froze so I had to go outside and replace the heat tape I tell you I have never been so cold in my life, I'm out there snow up to my knees wind blowing hard and me fixing a frozen water line, now you know why I love Florida . Also trying to get your car started I would have to start both cars every 4 to 5 hrs to make sure they started for work I had to be at work by 4 am when I was working. So renting is so much better a house use to make money for you not no more.

Last edited by vann04; 11-04-2011 at 09:59 AM.

 
Old 11-04-2011, 10:32 AM   #14
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Re: Enough

What happened to the mobile home Vann? Did you sell it? I also live in a mobile home. Michigan winters sound brutal. I am not in Florida like you are but I am right next door in Ga.

Last edited by BlueSkies14; 11-04-2011 at 10:33 AM.

 
Old 11-04-2011, 10:39 AM   #15
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Re: Enough

Quote:
Originally Posted by gayle4102 View Post
Same here, Blue. No new toys for me. I paid off my student loans a few years ago, and paid off the mortgage on my small, older house a few years before that. It is nice to not have rent, but the constant repairs on an old house can be a challenge. Only this morning, I saw a board hanging from one of the eves of the house. Before, I would have grabbed my hammer and ladder fixed it myself. Now I have to get someone to do it.

Just a few months before I became disabled, I bought a new car and paid cash for it, so I have no car payment, and I hope it will last many more years. The computer I am using now is a 2005. Many people upgrade their computers every couple of years - so I hope I can get a good deal on a used castoff, when this old computer dies.
I hear ya Gayle. I also paid for my last car with cash when I was working. I do most minor maintenance stuff like oil changes myself. Hope you and everyone else have a good weekend.

 
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