The Consumer Price Index upon which Social Security cost of living adjustments are based, actually deals with the spending patterns of younger WORKING individuals who buy high ticket items like cars, fancy telephones, electronics, etc.
Low income, older seniors, however, spend most of their money on rent, food, and utilities, therefore, our cost of living increases do not come anywhere near to addressing our ACTUAL cost of living.
Consequently, every year, we get poorer and poorer. Therefore, the longer one remains on Social Security, i.e., the longer you live, the further down the socio-economic ladder you descend.
This is not just a little bit true, this is true by a large amount. Let me give you an example:
This year, my cost of living increase is $5.10 a month. Yep. Five dollars and ten cents a month. That's $61.20 a year.
My COSTS, however, such as rent, medical insurance, medical co-pays, car insurance, utilities, are increasing by $515.10 this year, AT A MINIMUM, since I have no way of knowing how much food costs will increase. This means that I am "in the hole" a further $453.90 this year, at minimum.
This has been going on for twelve (12) years.
This is why I am frantically trying to figure out how to increase the income into my household. I'm always talking about it. How could I NOT? I am drowning in this dishonest, rigged system, despite having worked and paid taxes for more than 30 years.
Why should you care? Because some day, you could be in my position.
Of course, my situation is much worse than many women, who are better off, thanks to the incomes of their husbands and the help of their children and extended family. I don't have ANY of that.
Thanks be to God, I was gifted with many many talents, and I have faith that the Lord will help me to survive with those. It is almost as if He is FORCING me to use those gifts, so I am writing, painting, crocheting my little fingers off, hoping to keep myself afloat and not end up homeless. I also am a professional genealogy researcher, but no one wants to pay the fees. They want me to give them everything for free. I don't do that any more.
JUST IN CASE you have need of genealogy research, and you would like me to make you a nice little tree, you can order my services online at this link:
HIRE MY GENEALOGY RESEARCH SERVICES
JUST IN CASE you would like to help me survive, I have several Amazon wish lists where I have included all sorts of items I need to maintain myself and my little creative outlets. Here are the links:
LINK TO GENERAL LIST OF MOST-NEEDED ITEMS RIGHT NOW
LINK TO FIBER ART SUPPLIES
LINK TO FINE ART SUPPLIES FOR PAINTINGS
LINK TO FOOD SUPPLIES FOR THE PANTRY
LINK TO VITAMINS AND OTHER HEALTH NEEDS
Really, I'm not expecting much, as far as anyone else ordering from my lists, but I like to have them in a handy spot for my own reference.
I remember when I became disabled, the Swami told me, "Poverty makes you lose your virtue." I think it may be partially true, as it certainly has dragged my attention away from the Lord.
Being disabled is really the problem. I had wanted to just gracefully float through my final years, offering it all up and praying to the Lord through whatever came my way, but, you know, it is just not that simple. It is a mighty struggle.
The best I can do, I think, is ASPIRE to the consciousness of Brother Lawrence who, amid the pots and pans, prayed to the Lord while he scrubbed the dirty dishes.
I am sure, on some level, that the humility that disability and poverty bring, are very good for me. I feel like I am just groveling in the dirt, trying to create a living out of it. It's all good. It MUST be good, because God brings ALL things to the good for those that believe in Him. Amen.
God bless us all.