I’ve become my own payee! Hooray!

Well, my mother and I stopped by the Social Security office this week and because of that visit, I became my own payee! At first, my mom was in charge of distributing my social security money to me, but since I am so financially savvy, my mom wanted me to take control of my finances. This financial savviness of mine didn’t happen overnight though. It took a couple of years of realizations and discovering frugality in order for me to really take control of the little money I have. But because of this, I am fully independent with my finances now! Woo hoo! *insert party hard Dumbledore gif here*

I also got to talk about Social Security about ABLE accounts coming to California on October 1st. If you do not know what an ABLE account is and live in the United States, an ABLE account is like a 429 college plan which is tax free and will let a person that was diagnosed with a disability before the age of 26 to save money in this account up to $100,000 and it won’t affect your Social Security money. I’m REALLY looking forward to this because as a person with a disability who can’t save more than $2000, I could use all of the extra help I can get. Once I open up one of these ABLE accounts, I hope throughout the coming years to use this account as a retirement fund. Or an account that will help me live day by day. When I told the person helping us with Social Security about ABLE accounts, she didn’t know about them! Apparently, they were not alerted of them yet and had no training in them. But she told me she would alert the right peopleĀ about them so the employees at Social Security could get trained in them. Which is a win in my book! šŸ˜€ I still have no idea where to start an ABLE account though, but the lady gave me a phone number and e-mail to contact to get more information on where to start one at, so I will be calling soon.

Then after the long time in Social Security, my mother and I afterward went to feed the local ducks and geese hanging out by the river. Now, these birds are spoiled folks. They get food all of the time. Some days they are hungrier than others. Just depends on how much they are fed each day. So we fed them two small bags of bird seed because bread is bad for them to eat and then went home. I will probably post pictures of the birds in the near future though because I love them so much, haha. šŸ™‚

So yeah, I’m officially in charge of my money now! Woo hoo! Starting next month at least. Can’t wait to see where things will go from here. šŸ™‚

EDIT 9/10/2017: If anybody wishes to know about how to get an ABLE account or what the status of their state’s ABLE account program is in, please visit this link.Ā šŸ™‚

Millennials aren’t spending as much as people thought… Huh. You don’t say?

So I ran into an article on Business Insider (which I adore reading) and found a very inteeersting article about millennials such as myself. At first, they predicted millennials weren’t going to spend much on Labor Day and then they changed the ‘Labor Day’ part of the title to a millennials aren’t spending much money at all title. In the article, it talks about how even though millennials seem to like pumpkin spice lattes and avocado toast (guilty, but I make my own for almost half the cost), they’re not really spending much on it. On really anything for that matter. Here is the article.

So what are they really spending their money on? According to the article, it’s healthcare, utilities, and groceries. How accurate is this? Well, I am a millennial living on SSI, so I can’t really afford to spend money on frivolous things anyway because I barely have any money. So what I am spending my money on? Well, Business Insiders is correct. A lot of my money is going towards utilities, groceries, and healthcare since I suffer from one mental health condition. Another health condition of mine is Tourette Syndrome. IĀ received it in my early 20’s. I am special y’all because it’s very rare for that to happen, but it can happen. Enough about my specialness (it’s not too special of a thing). šŸ˜› Back on topic. If my money is not going toward groceries, utilities, and healthcare, it’s going toward misc. things and other things in the budget. The misc. category on any budget can get pretty nuts though! It just depends on the month.

Now let’s break this down. Groceries. I normally spend under $200 on groceries each month for one person because I do buy a lot of fresh foods instead of processed foods. So I make everything from scratch each day. It’s a pain sometimes because I don’t have a lot of convenience food to eat if I am really hungry, but it’s healthier if I prepare food this way. šŸ™‚

Utilities. I have to pay a lot for utilities. Doesn’t everyone? It sucks a lot how much everything is, but you gotta’ pay for everything. : (

And last but not least healthcare. I take two medications whose copays are not that expensive thank goodness (thanking my lucky stars of how blessed I am here). These medications help me “act normal” so it doesn’t look like I have mental illness. Very thankful to them.

And that’s it for those categories. The article also mentions thatĀ millennials are just spending money on the stuff I already mentioned by category and our money is not going toward extravagant trips out of the country, eating out, and other leisurely activities. Well, besides the few lucky millennials who can actually afford to go on trips, eat out every night, and splurge on leisurely activities like nail salons and spas, millennials such as myself don’tĀ really do that. It’s not the norm for us, I’m afraid. It’s because WE HAVE NO MONEY. NONE. Nadda, zilch. And what little money we have is going toward student debt, groceries, and mandatory monthly expenses. And even little old me who has hardly any money… If I even had more money, I probably would not spend it extravagantly. It wouldn’t be spent on eating out all of the time, going to resorts in other countries for vacation, or on spas or other leisure activities (well, maybe a pedicureĀ here and there, I guess if I am being honest…).

So, in conclusion… Millennials have no money unless they are the lucky few that do. It’s just a lot of us don’t have any money at all which is a problem in the long run… : (

So what about you guys? Do you think the Business Insider article is spot on? If not, why is that?


Checking my Privilege


Well, this is my first personal finance post since my introduction post, so this blog is OFFICIALLY rolling!

Now, in my introduction post, I talked about how I live on SSI and how I always try to be frugal each day. Well, I must admit that I am very blessed to be in my current living situation right now.

The reason why I can embrace a frugal lifestyle is because I do not live alone on SSI, but I live with my mother. My mother is very kind to let me stay with her under her roof and I realize that not all people on SSI are as lucky as I am to stay with family. I realize that I am very privileged to be in the position I’m in right now.

That is not to say that every day is a walk in the park. Because of this extreme heat where I am at in California, it is very easy for me to get “summer cabin fever” from staying indoors all day… I have had my fair share amount of depression episodes to confirm this. But in the end, I realize that I am worth it and it’s never the end of the world. It just feels like it is at the time which is pretty hard to deal with when the feeling affects me. It looks like the weather is trying to cool down in the coming days, so I hope that it will stick. When I stay inside all day, it affects my mood and the willingness to do things I usually like to do like writing. So hopefully things will get better.

But anyway, I am happy that I am so blessed to be able to be in the position I am in. I hope whatever the future brings that it will be better than things are now. I am ready for change that is good is what I am trying to say. I hope we will all get that kind of change some day.


First Post! Hello, everybody! (An introduction)

Hello, everybody!

This is my first time blogging, so bear with me as I get things ready in the next couple of months. I have to get used to everything, haha.

Well anyway, a little about myself! I am Ms. Living on Cents! I am a 26 year old woman who lives on SSI (Social Security Insurance), but loves personal finance! Surely you think, “Well, if she is on SSI, how can she be passionate about money?” Well, my friends, one does not always have to be well off to know a little about money! I am also into frugality by default! Yes, if I was making more money, my mindset would not change either. Frugality is not living poorly, but trying to find ways of not spending money and getting a great deal if you do spend money! It’s not about poverty at all. Anyone can be frugal and on my blog, I will show you so many ways that I save money by being frugal! I just love frugality and hope to inspire all of you to live a frugal lifestyle as well!

I am also a minimalist, so besides food and a few bits and bobs here and there, I don’t spend much money on things. Keeping up with the Joneses is never a good idea because they are broke anyway. Those fancy things the Joneses have? Well, the honest truth is that they are paid for on credit. I’m sure there are some very well off people who actually live fanciful lifestyles because they have wads of cash, but they are few and far in between. Being a minimalist has been one of the best things that has ever happened to me because I don’t crave stuff. Even my thrift store treasure hunting have been a little sparse these days because I just can’t find anything that I could possibly need at the moment! I’m not about luxury, y’all. I’m about living the good life by spending as little money as possible.

As for my other hobbies, I enjoy watching anime (Japanese cartoons) and reading manga (Japanese comics). Since I do not watch much TV or hardly any at all, anime and manga keeps me entertained quite a bit. Plus, it’s all fun to consume. Fans or anime and manga, you know what I mean! I also like to write and draw sometimes! I am currently working on a book that I hope to get published someday and as soon as it is completed, I will definitely tell everybody! It’s one of my passions in life and a life goal for me to be a published author. And if I happen to strike it rich on my book (highly doubt it), I will be sure to tell everybody as well! As for my drawings go, I don’t do it very much anymore… It’s not that I hate drawing, it’s just because I have not been inspired too much by anything to draw. I guess my other passions keep me busy enough so I don’t have to fill my days with drawing. I know it’s sad to leave a hobby behind, but I can always pick up a pencil again and draw anytime I wish to. The skill never fades.

So, I think that is about it! I’m going to wrap my introduction up! Beyond this post, I will share all all of my daily adventures and thoughts on stuff! I look forward to sharing with the world my views on personal finance!

Let’s go!