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"Living On A Fixed Income" Is About What It Is Like To Live On A Fixed Income.

1018 words - 4 pages

Living on a Fixed Low-IncomeThe effects of living on a fixed low income are wide spread, usually affecting a person's entire life and lifestyle. There are many pitfalls that you can fall into and that can make life miserable when you are on a fixed income. You should be aware of your limitations and practice planning ahead techniques.One major effect that living on a fixed income has is your limit on spending will change. If you have been used to living on a weekly paycheck, this will take some getting used to. In fact, you may end up with a deficit in your checkbook the first month or two until you do get the hang of living within your new budget. You will have to plan your spending carefully so that you are not in debt all of the time. Once that happens and you learn your new limitation with money it will get easier to stay within your budget. There are some things you must plan for in your budget every month.Medicine is a very important item to plan ahead for you need to try to keep this cost to a minimum while still getting the medicine that is needed every month. One way to do this is to apply with the manufacture of the medicine for lost cost medicine or low-income free medicine. If you can qualify for either of these plans then you will have either no money or very little (usually $5.00 a prescription or less) going out on medicine each month. Which will give you more leeway for other necessary expenses? You should also plan for your visits to the doctor. Do you have a lot of medical problems and need to see the doctor often? That is important to keep in mind when planning. Do you have insurance coverage and if so what is your co-payments for doctor visits? You might also consider applying for Medicaid, which is medical and prescription coverage for the elderly, disabled (in my opinion, the people who do get approved for this are also the people who have already been approved by Social Security as disabled), pregnant women and children of low-income families.You also must consider your utilities as a necessary expense. Usually you will have more than one bill that would all fall under the utilities heading, for example, electric, water, sewer, garbage and gas. There are also programs to help with low-income families with these bills also. If you contact the county that you live in you will probably find that they have at least one program that consists of averaging out your utilities and you pay the same price every month. That would at least help to plan your budget. There are other programs that most counties' and city's have to help the disabled, elderly and underprivileged.Another thing that must be planned ahead for is clothing and shoes. You have to be able to dress appropriately for...

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