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create a budget |
create a budget after a short time01/22/2008 My sister was in a very bad car accident nearly two years ago. Since that time she has lost much of her former ability. She is no longer able to work, to live on her own or to adequately manage her finances. However, getting her to realize her limitations has been a challenge in itself. She has always been fiercely stubborn and independent. She has been out on her own since she was about 17 and she had learned to be very self-sufficient, so learning to accept help and accepting her limitations has been a very hard lesson for her. Are you ready to find the solutions you have been searching for? Recently, she was admitted to one of the best programs in Canada for brain-damaged and depressed individuals. Being on a ward with people who can barely speak, and who have to be reminded of where they are at any given time has been a real eye-opener for her. On the one hand, it's been a wake-up call to find herself placed on a unit with some severely damaged individuals. She really has to count her blessings. For all she's lost, she is still worlds beyond the sorry state of many of these people. At the same time, she's come to realize that she really is in rough shape, and she has swallowed her pride to a great extent, and is now coming around to accepting and even asking for help when she needs it. Most recently, she called me from the hospital with a special request. Of course, she had to preface her request with an exclamation of how big a favor she was asking and emphasizing that I did not have to accept her request. When she finally cut to the chase, I realized that she was asking me to create a budget for her to help her control her finances and her out-of-control spending. She said that she has already tried to create a budget on her own, but that she found herself cheating whenever the spending mood struck, completely ruining her good intentions. The situation has become quite serious, as her medication must be paid for up front, and she's not often reimbursed before the six week mark. It would be such an urgent situation if her drugs didn't cost over $1500 per month. As it is, she often finds herself racking up charges on her credit card just to get by with this in mind. It's really too bad that she didn't accept help to create a budget earlier on. She confessed to me that she had disability/accident insurance on her credit card prior to the accident, but that when the credit card company offered to issue retroactive payments by means of her insurance policy, she quickly declined, because she was determined that she was going back to work right away. It goes to show her state of denial, since her psychiatric assessments indicate that she will likely never be able to return to work. Her poor judgment also goes to show her dire need of help to create a budget, that will be realistic and still leave her room to enjoy life. I hope that the suggestions that I can offer will be useful and that she will cooperate and really allow me to help her out of her financial straits to illustrate my point. Thanks for finding my site and reading my article. If you want to learn more then keep looking around my site. |
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