I hate having no money

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It all goes on rent, bills, taxes, etc, and my boyfriend has his car. We're both on cleaner's wages because we're both cleaners.

What are SSIs?

Supplemental Security Income from the US Social Security Administration - basically disability income in the USA that still allows people to have part time jobs and earn some additional money without having benefits clawed back.

Sounds like the biggest expense you two could eliminate is the car if you don't NEED it and it would be cheaper to just use some car share membership once in a blue moon when you have an appointment to go to or something that you can't walk/cycle/public transit to.

My boyfriend needs his car to get to work. He starts early in the morning when there's no public transport going that particular route at that particular time, and we don't want to have to keep paying out for a taxi, as they're stupidly expensive.

Does he make enough mo way at the job to justify the vehicle expense?

Too many jobs ~require a vehicle to get to and from but don’t pay enough to be able to truly afford it.

1. Could use a different form of transport if possible. Smaller car, motorcycle, electric bicycle/scooter etc if it’s not too great a distance.

2. If it’s not a reasonably good paying job that justifies the vehicle expense, he could either seek a higher paying job and keep the car on the road, or seek a job closer to home and eliminate the vehicle expense.

Maybe not worth changing anything until
You find out if you’re going to be moving or not. That could change your job and/or vehicle requirements. Just saying - there are a variety of choices that could change your circumstances & finances.

Around here we have folks working 40-hour jobs that are homeless, and this was prior to the pandemic and the latest bit of inflation.

I don't see that changing any time soon, as you'd need politicians to deal with income inequality in a serious way and also do something about housing prices. That housing is more or more belonging to various private equity companies that don't care about the impact as long as they get paid.

Here, too.

Many by choice, some because they lost their place and can't find/afford another. I was told there are about 100 people that sleep in the forest along the beaches near where I hang out. Most have cars and jobs - they park their cars and then camp for the night so as not to be hassled by security or police for sleeping in their cars. Plenty more of that going on all over the city and Province. Families between homes living in RV's or tents etc until they can rent another place.

The REIT type corporate home buyers are creeping into Canadian real estate in an ever bigger way, too. So crazy that a couple large companies can control the price of housing. You'd think their offices might burn down over a long weekend or something.

Now you sound like me.

I think my boyfriend may be dying of COPD, so I'm going to be kicked out and on the streets if he dies, plus heartbroken because of losing another soulmate (my mum was my soulmate too but she died).

I'm going to lose my security, my home, my pets, everything. I hate money. I'm going to rob a bank so I won't have to worry about money any more. I hate this world. I hate being poor. I hate being too thick to get a good paying job. I might as well be dead.

Not that this will help much but I've been finding good shoes in second hand stores. Recently purchased like new leather Propet shoes ($100+) for work, for $6.99. I have stopped buying anything from retail stores. Everything is second hand from shops like Hospice Attic (money goes to a good cause, I hope), or thrift shops.

Maybe he lives for a long time yet, maybe he doesn’t.. but with a chronic illness it would be wise on your part to have a plan of what you’re going to do and where you’re going to live and how you’re going to support yourself in the event that he does pass.

Better to figure these things out sooner rather than later, because after the fact in a crisis situation will be much more difficult than with a plan in place.

Maybe reach out to social workers or council housing authorities etc and start making inquiries. They might tell you that in your current situation they can’t do much for you, but in the event that your partner passes maybe they’re able to slot you into some form of stable affordable housing to prevent homelessness. I have no idea - but it’s worth looking into.

If he has any government or private pension plan income sources, or life insurance policies, it would be wise to explore all of these things and have your name listed as beneficiary in the event of his passing if he wants funds to go to you instead of any children he may have. Same for assets like his car and any accounts etc.

We put my name on the tenancy and he says it's so I have a right to carry on living here even after he passes, but I still don't hold out much hope, because it's private rented. If it was council I'd feel a lot more secure, but I have a feeling we will be waiting years before we get a council place, if at all. I have family but they live quite far away and I'd have to leave my job if I lived with them, and I'm happy where I am now, as it's a very Aspie/ADHD/anxiety-friendly job that I'm very lucky to have.

I don't know if I'll be entitled to anything if he ever passes away, as we are not married. We've been meaning to get married for the last 4 years but each time we set our minds to it something has happened to stop us (him losing his previous job, the pandemic, and now the cost of living crisis). We can't afford to get married even though we only want to sign a bit of paper and have no reception, it still will work out expensive. Everything's expensive.

It's 3am and I'm up worrying and fretting. And it all boils down to f*****g Putin. Apparently he's the cause of global cost inflation. Just this one man monster. 8 billion people on this planet and only ONE person can make millions of people live in poverty.

I do not want to end up homeless. The streets frighten me. People frighten me (the general public). To keep my health and sanity together I NEED security. Yes I'm a snowflake. I'm weak and timid. If there's just the slightest hint that I'm going to be homeless then I will put my head on the railway tracks.

I've got a splitting headache, my bladder keeps filling up, and I'm having panic attacks.

This might be of interest regarding how to deal with some of those worries while you're not legally married.

https://www.warnergoodman.co.uk/site/bl ... ed-to-know

Thanks. I always get support here. Thanks once again.

You're welcome. I'm glad I looked before just saying something about common-law marriage, since it doesn't work the same everywhere.

At least you have a backup plan and Could relocate to live with family if you Need to. In that event, there are other jobs to try out and find something that works ok.

How is it expensive to get married if you’re not planning on doing a wedding or reception and all that stuff? No rings/dress/catered meal etc, just a marriage licence piece of paper to sign can’t be too costly no ?

Also, if it’s your name on the lease and you keep paying the rent you’ll still have your home. He’s not required to be living there in order for you to keep a rented home that’s in your name.