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  1. My mum struggles with budgeting every month I think she struggles with the adjustment as she’s used to working and bringing home more money.

    I try to tell her but she doesn’t listen at the end of every month she is stressed about bills.

    Thank you for this article I’m going to point to this make her face reality.

    1. Stephan Zev says:

      Hi Steven, thanks for commenting, glad to be of help!

  2. Hi Stephan, I really like the look of your site, it’s so attractive and clean. Also I have never come across a site dedicated to helping disabled people with their financial situations, this is great!!
    The money people get on a disability pension isn’t very much, so your post is very informative on how to take control of your money. Not let money control you!!
    You seem to have covered all bases here, I love the easy maths formula for working out your Income vs your expenses. There are a lot of people who have no clue how to manage their money and just get over run with debt. I also thought your great ways to save money topics were really helpful, there are some there I didn’t really know about thanks!!
    I am very impressed with you work, thank you.
    Regards,
    Brian

    1. Stephan Zev says:

      Hi Brian, thanks for commenting and thanks for the nice compliment! 🙂 I’m glad you found my blog post helpful!

  3. Great post on Disability. There are a lot of people out there who have a disability. My mom lives in a local housing complex and more recently, there have been people on disability living there. This would definitely be a page they would be interested in. I know I have problems living with what I get paid. I can only imagine what I would be able to do if I was disabled.

    1. Stephan Zev says:

      Hi Kevin, thanks for commenting! Yes, living strictly off disability is challenging.

  4. Matt's Mom says:

    Yes, I know first hand how hard it is to live on disability. It’s month to month always looking for a way to get a little extra. Trying to find ways to get back having enough money to allow for fun or even a vacation. I do pretty much everything you have listed. I have learned that I have to cut corners to be able to end up with a few extra dollars at the end of the month.

    1. Stephan Zev says:

      Hi Leahrae, glad you found a system that works for you!

  5. What a great blog post for people in our community that are really looking for quality advice to be able to make ends meet. I think the advice and simple tips you provide is great for anyone that may be struggling to make ends meet whether they are on a disability allowance or not. Buying generic medications and opting out of your cable service are two tips that resonated very strongly with me.

    1. Stephan Zev says:

      Glad to hear it Ben, thanks!

  6. Aren’t government programs like Ticket to work and such designed to get you off disability? how can you run a website or work for yourself in some other way without using up your “trial work period”. I would love to be able to earn a little and gain some socialization without endangering my benefits. Btw, Great Website!

    1. Hi Jack, thanks for the compliment! Yes, I get this question a lot and here’s the answer…As long as you earn LESS than $810 per month (as of 2017), it WON’T be counted toward a trial work month. Anything over that, it would be. So, if you’re looking to make just a few hundred dollars extra per month on top of your disability benefits, you can certainly do that without endangering your benefits. If you’re interested in working from home specifically, I can help you with that. Hope that helps!

  7. Actually a huge help for my wife and me is getting free food from family members. We are never too proud to accept leftovers or home cooked food… It’s usually way better than anything we make ourselves and it saves a huge amount on our grocery bill. Also just monitoring the number of miles you drive each day and cutting back can save a ton on gasoline and wear and tear on your car ( if you have one ) plus you will be less tempted to eat on the run.

  8. Michelle L Twitchell says:

    I live on SSDI. Here’s what I have done: I learned that my mortgage company has a loan modification program to lower the mortgage. Waiting on answer from my submission of application/documents. I applied for Total and Permanent Student loan discharge waiting to hear from that. I had to file bankruptcy due to my cancer diagnosis in 2018 and 1 year in remission.

    I keep a budget, I use the envelope system, I pay myself 10 a month for fun stuff. I get a small amount of food stamps and Medicaid. I have an old car with 188,000 miles that was given to me so no car payment. I have friends that give me fresh veggies from their gardens. Clothing keep it simple, jeans, yoga pants, t shirts, sweaters and nice shirts. I only go out when I have appointments, library offers great free stuff I am taking an exercise class.

    I put aside 10 into 3 different envelopes car, pets, house. If you are on disability there are some community programs check out the Weatherize Program based on income, I had my home completely weatherize a huge savings to me. I have another program that will remove my bathtub and create a shower and grab bars. Free activities in the community to take advantage of as well. FYI, I did the Ticket to Work program for 9 months because of ongoing issues I had to stop working. I do rent my extra room out for. extra income.

    1. Glad to hear that you found a system that works for you Michelle!

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