[nabs-l] need some help with readers/ tutors

Sun Oct 21 20:52:56 UTC 2012

Hi Becky,
I have a couple suggestions. First, you could ask if someone in one of
your classes (ideally the one with the greatest reading load) could
read for you in exchange for a free meal (i.e. buy them pizza). If
it's someone in your class who has to do the reading anyway, it
shouldn't be too much of a hardship for them to read the material
aloud to you, especially if you are compensating them with food or
something similar.
You could also find out if there are any volunteer organizations on
campus with members who would like to read for volunteer credit.
Finally, if you are having trouble comprehending material, are there
free tutoring centers you can go to for help? Many colleges and
universities provide these services. Also take advantage of your
professors' office hours.
Hope this helps, and best of luck,
Arielle

On 10/16/12, Carly Mihalakis <carlymih at comcast.net> wrote:
> Good morning, Becky,
>
>          I went to Metro for a briefest of whiles when I lived in
> Denver and Littleton, in '02-03. I would suggest, utilizing disabled
> students office. /Also, recruiting readers/tutors in your classes is
> usually an efficient means. Keep us posted okay, Becky?
> Best of luck. Car, Berkeley, California/17/2012, becky sabo wrote:
>>         Hi everyone,
>>I was wondering if any one could help me out or give me some suggestions
>> for
>>school.  I am struggling in school.  I graduated with my AA this summer
>> from
>>the community college of Denver than I started this fall at Metro state
>>University.  My DVR councilor stop paying my reader and she had to quit
>>because of financial issues.  I am trying to fine new readers but I do not
>>know how to go about that any help would be great.  I started out doing
>> full
>>time but I was failing one of them so I dropped it now I am hurting in my
>>other classes and I do not want to drop out but I do not know what to do.
>>My mom and dad have been helping me but they said they can not help me
>>because they are retired but I do have other disabilities and school is
>> very
>>hard but I want to successed.  So my question is where do I go or what to
>> do
>>next'
>>Thanks again.
>>Becky Sabo
>>
>>-----Original Message-----
>>From: nabs-l [mailto:nabs-l-bounces at nfbnet.org] On Behalf Of Arielle
>>Silverman
>>Sent: Saturday, October 13, 2012 2:51 PM
>>To: nabs-l at nfbnet.org
>>Subject: [nabs-l] Budgeting
>>
>>Hi all,
>>I think keeping a monthly budget is a good skill for all students to
>> learn.
>>I will describe the method I use for my own budget. You don't have to do
>> it
>>this way, but I do think it is important to have some formal way of
>> tracking
>>how much money you have and how much you can afford to spend on a weekly
>> or
>>monthly basis. I think this is especially critical for those of us on
>> fixed
>>incomes. Once you have a budget, you will be able to tell not only when
>> you
>>need to cut back on your spending, but also when you are "ahead of the
>> game"
>>and can afford to spend a little more.
>>
>>Before creating your budget, I suggest looking at your past three bank
>>statements and noting a few things. First, note exactly how much money you
>>get per month, from all regular sources such as wages from a job, SSI,
>>checks from family, scholarship funds, etc. Also, note all expenses you
>> have
>>that are mandatory or non-negotiable that come up every month, such as
>> rent
>>and bills.
>>I keep my budget as an Excel spreadsheet and when I used to have a Braille
>>Note, I kept it on that. First create an entry titled "income"
>>and enter your total monthly income into that cell. If for example, you
>> earn
>>$500 each month from wages, and an additional $500 from Social Security,
>> and
>>this happens every single month, you would put
>>1000 into the income box.
>>Below that make an entry called "fixed expenses" and add up all of your
>>bills and other non-negotiable expenses you have to pay every month.
>>Examples might include: rent, utilities, Internet charges, cell phone
>> bill,
>>doctor and pharmacy bills, etc. Note I don't count groceries as a fixed
>>expense because even though buying groceries is required for survival, the
>>actual amount you spend on groceries is flexible and can be changed from
>>month to month, whereas the amount you spend on your cell phone bill is
>>generally the same from month to month. You might want to designate a
>>minimum grocery payment as a fixed expense to make sure you've set aside
>>some money for groceries, and then allow yourself to spend more than that
>>minimum on groceries if you have extra discretionary money (see below).
>> For
>>our hypothetical example of the person getting $1000 per month, suppose
>> that
>>person pays $400 monthly rent, $50 utilities, a $75 cell phone bill, $50
>>Internet bill and $25 to refill a prescription medication.
>>That person has a total of $600 in fixed expenses per month.
>>Once you have carefully added up all your fixed expenses, subtract the
>> fixed
>>expense total from your total income. What you have left is "discretionary
>>money" which you can spend on anything you want. Our hypothetical person
>> has
>>$400 per month in discretionary money that he/she can spend on whatever.
>> You
>>might choose to further divide your discretionary money into more
>>categories, for example, giving yourself
>>$100 to spend on clothes, $100 for groceries, $100 for transportation and
>>$100 for other stuff. It is really up to you and only you know what kinds
>> of
>>things you like to spend your money on. The big key is just to make sure
>>that in a month you don't spend more than what you have available for
>>discretionary spending, so this person should not spend more than $400 per
>>month on optional or discretionary things.
>>Now, this next part is really important. Once you have your budget and
>> know
>>how much leftover money you have for discretionary expenses, every time
>> you
>>buy something, even if it's just a $5 lunch, go back to your budget and
>>subtract that amount from what you have designated as discretionary money.
>>That way, you will be able to see right away if your funds are getting low
>>and can make a decision not to buy that new party outfit, etc. If,
>> however,
>>it's almost the end of the month and you still have quite a bit of
>>discretionary money left over, you can treat yourself to something nice
>>without feeling guilty, because you will know that you will still have
>>enough money left to get through the rest of the month.
>>If I have discretionary money left over at the end of the month, I will
>> put
>>that extra money into a category called "savings". Once my savings adds
>> up,
>>I can use it for bigger expenses, like taking a trip.
>>If you have money saved from previous months, you won't have to dip into
>>your discretionary fund for the current month when an occasional big
>>expense, like a trip, comes up.
>>The budget is also really helpful for making decisions, like whether to
>> move
>>out of one's family home or whether to move to a cheaper place. If you are
>>putting lots of extra money into savings each month, then you can probably
>>afford to pay more rent, but if you are perpetually running out of
>>discretionary funds before the end of the month, then it might be time to
>>cut back either on the discretionary expenses (i.e. not buying a coffee
>>every day) or on the fixed expenses (i.e. by moving to a cheaper apartment
>>or cutting back on the cell phone plan).
>>In order to make the budget work, it is important to be good about setting
>>it up on the first day of each month (or whenever your payday
>>is) and then recording each and every time you spend money. Keeping
>> regular
>>tabs on your checking account and any credit cards you have will ensure
>> you
>>don't miss an expense.
>>I know this sounds complicated, so I'd be happy to talk more off-list or
>> by
>>phone. I do think it is a worthwhile thing to do in spite of the minor
>>hassle.
>>Best,
>>Arielle
>>
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