- A 30-year-old woman is living on disability in St. Paul, Minnesota.
- Money is tight while her husband is in school with only enough time to work a part-time night job.
- Her financial situation doesn't stop her from making sure her children are involved in activities like ice skating.
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Today: a woman living off of disability checks who spends some of her money this week on glitter gel pens for her daughter. This is one of the diaries that we considered including in the Money Diaries book, but ultimately didn't make the final edit — it wasn't an easy decision. (You'll notice the diary was written in winter.) Tune in tomorrow for a follow-up Q&A with the OP. (Or, if you're a member of our Facebook group, you can get a sneak peek at the Q&A this evening.)
Occupation: On Disability
Age: 30
Location: St. Paul, MN
Salary: $25,000 for disability (It was $32,000 before I became disabled.)
Disability Check (Weekly): $367
Husband’s Part-time Paycheck (Weekly): $120 (He is also a student.)
We also live off of student loans and our tax-refund as well.
Monthly Expenses
Mortgage: $1,015 (I live in a modest house with my husband and two kids.)
Student Loan Payment: $0 (I'm on an income-based repayment plan.)
Cell Phone: $0 (My in-laws cover us on their family plan. Thanks, in-laws!)
Internet: $44
Ooma Internet Phone: $5
Utilities: $260
Car Payment: $148
Gym Membership: $60 (We have a 50% scholarship.)
Preschool: $0 (Thanks to a scholarship.)
After-School Care: $140
Credit Cards: $350 (We earn less than our expenses, so we have significant debt. It sucks.)
Savings: Ummmmm, yeah right.
Day One
7:45 a.m. — Time to take the kindergartener to school. It’s so amazing that there’s a public environmental magnet school just under three miles from our home, and my daughter is thriving there. However, she's terrified of breakfast time in the school cafeteria, which would be free, so I always have to make her breakfast. We keep a lot of yogurt and granola stocked.
10:30 a.m. — I pack a lunch for my three-year-old. It’s the same every day: half a sun-butter-and-jelly sandwich, string cheese, crackers, Craisins, and three chocolate chips. I put in a bento box to reduce waste. I make myself two eggs with toast and salsa real quick before taking him to school.
11:30 a.m. — I drop my son off at his preschool. It’s fantastic — they go hiking every day, and he loves his teachers so much. This preschool costs $420 a month for three half-days, however, Minnesota offers early learning scholarships to three- and four-year-olds who meet income guidelines. For a family of four, the income limit is $44,000 a year. We are so grateful that our son gets to have an incredible preschool experience.
12 p.m. — I stop by Play it Again Sports to get my kids’ skates sharpened. I bought a credit for 10 sharpenings last year. I also get skate blade covers because I got cut trying to get the skates on my three-year-old last week. $27.80
1 p.m. — I have an appointment with one of Minnesota’s approved medical cannabis providers. PTSD is an approved medical condition, so I meet with a pharmacist, discuss symptoms, and purchase products. This is the only relief I’ve gotten from six months of near-constant panic, nausea, and vomiting due to a traumatic event. It’s very expensive for us, but finally, something helps. Thankfully, they offer a 15% discount for people who have state insurance. $134.57
2 p.m. — Mondays, Wednesdays, and Fridays are great because both kids are in school, so my husband and I can go to appointments. My husband took his 2004 Camry with 204,000 miles on it to the dealership for an oil change. We try to keep up the maintenance on it, as it’s completely paid for and liability-only insurance isn’t too bad. $37.62
3 p.m. He stops by a utility worker’s store to buy new work gloves ($6.37), as his are shredded from working nights. The money isn’t good now, but the holiday bonuses were nice while they lasted. Next on his list is a stop at Walgreens to pick up prescriptions and pull-ups for our three-year-old ($15.61). $21.98
Daily Total: $221.97
Day Two
8 a.m. — I had a terrible migraine Wednesday night, and I spent a significant amount of the early morning hours on the bathroom floor. I couldn’t go anywhere or do anything, and my husband didn’t go anywhere except work and school drop-off, since I couldn’t drive.
10:15 a.m. — I get a call from the dealership asking if we want to trade in our 2004 Camry for 2018 with 0% financing. I say no. She persists. I start crying and blubbering: “No, I don't, this car is paid off, and I'm on disability and have no down payment money, and this phone call is completely out of line. We’ll find another place to do oil changes.”
2:30 p.m. — My daughter wants to color after school with my sparkly glitter gel pens, and this sounds therapeutic to me. All of our favorite colors are out of ink or nearly there, so I order a new pack of 30 glitter gels pens with refills. I apply $23 in Amazon rewards points. $10.70
Daily Total: $10.70
Day Three
10 a.m. — Both the kids have school today. My health condition has meant that for the most part, I panic when I try to go to busy places with a lot of people, so I’m often homebound. However, the cold weather is driving us all crazy, so I decided that, armed with my medical cannabis, we would surprise the kids and take them to the Children’s Museum. It's open until 8 on Friday nights, and it's a reliably quiet time to go.
4 p.m. — I fill out the All Play scholarship application to cover the Children’s Museum $129 annual membership, and we decide to eat dinner at the museum to simplify our evening. Two kids meals, a personal Hawaiian pizza for me, and a club sandwich for the husband. $28
7:30 p.m. — We’re done playing, so we head out. Parking in the ramp in downtown St. Paul costs $7. $7
Daily Total: $35
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