[nabs-l] [Private] guardianship question

Sun Jun 1 22:23:01 UTC 2014

What she said can be done quite easily. Excel spreadsheets are great for this type of record. If you are a smartphone user, there are also plenty of apps to help you keep track of everything on the go. 
Hth
Alyssa

Sent from my iPhone

> On May 31, 2014, at 3:13 PM, Arielle Silverman via nabs-l <nabs-l at nfbnet.org> wrote:
> 
> Yes. Online banking access is a must. I always keep track of how much
> money I get each month and then subtract out what I know I will need
> to spend on things like rent, utilities, groceries, Internet and cell
> phone charges. Then the rest is an allowance I give myself to spend on
> other things. I divide the allowance into four weekly portions and
> every time I make a purchase, subtract the amount from what I have to
> spend for the week. At the end of the month, any funds I have left
> over get rolled into a savings account, and then if I need or want to
> make a big purchase like a trip or buying a new piece of technology,
> it gets funded out of the savings account. This system may seem a
> little overly detailed, and it's less crucial for me now that I make
> enough to not have to live month-to-month, but when I was on a lower
> income this system was essential. If you use a credit card, it is even
> more important to track your spending so that, ideally, your credit
> card spending each month never exceeds your income plus savings.
> 
> Best,
> Arielle
> 
>> On 5/30/14, Joshua Hendrickson via nabs-l <nabs-l at nfbnet.org> wrote:
>> Hi to all.  As far as financial stuardship goes, I'd suggest setting
>> up online banking.  I get SSI, and each month, my money is directly
>> deposited in my checking account.  I can log in to my banks website
>> with an id and password, and immediately see my balance after every
>> transaction.  I can also look at transactions to see what money was
>> spent where.  I haven't done this yet, but I think I will start also
>> writing down every time I make a purchase besides having the info on
>> the banks site just as a backup.  I enjoy having access to my
>> financial information, because, I now know exactly what is spent on
>> which purchases, so if I put money or withdraw money, I can very
>> quickly check it.  I also have my debbit card set up to if there isn't
>> enough money in my account to make a purchase, my card is declined and
>> my purchase doesn't go through.  If I have a question about a
>> transaction, calling my bank will help resolve the question.  Good
>> luck.  Also, there are college courses in statistics which will teach
>> you about using credit cards, stocks bonds and things like that.
>> These and other financial topics were part of my college level math
>> class.  To me, the most important thing to learn when you manage your
>> own money, is first, at the beginning of the month, figure out how
>> much money you have in your account, then when you want to make a
>> purchase decide if you can aford it or not, and if you do make a
>> purchase subtract what you spent from your beginning balance.  Repeat
>> this process with each purchase, so at the end of the month you can
>> figure out for yourself if you are spending to much or not.  Have a
>> great afternoon all.
>> 
>>> On 5/30/14, Steve Jacobson via nabs-l <nabs-l at nfbnet.org> wrote:
>>> This wasn't meant to go to the whole list, sorry, but my compliment
>>> stands.
>>> I guess we all need to be careful of
>>> the new email addressing.  <smile>
>>> 
>>> Best regards,
>>> 
>>> Steve Jacobson
>>> 
>>> 
>>>> On Fri, 30 May 2014 15:06:40 -0500, Steve Jacobson via nabs-l wrote:
>>>> 
>>>> This was a very sensitive but careful response that many on the list
>>>> would
>>>> not have given.  Thanks for taking the
>>>> time.
>>> 
>>>> Best regards,
>>> 
>>>> Steve Jacobson
>>> 
>>>> On Fri, 30 May 2014 12:58:06 -0600, Arielle Silverman via nabs-l wrote:
>>> 
>>>>> Hi John,
>>> 
>>>>> Just to clarify: Are you saying that your parents are trying to take
>>>>> financial guardianship over you?
>>>>> It's hard to give advice without knowing more details about your
>>>>> situation. The short answer is that if you are 18 years old or older
>>>>> and do not have any mental illnesses or disabilities, they do not have
>>>>> any legal reason to do this. If you do have a mental illness or
>>>>> disability, it becomes tougher, but often you can still maintain
>>>>> financial independence with the help of an advocate.
>>>>> I am not sure if the bulk of your finances come from social security?
>>>>> If so, then it would be good to talk with someone who is familiar with
>>>>> social security law.
>>> 
>>>>> Lots of people, including many people without disabilities, have
>>>>> problems managing and saving money. This means you could benefit from
>>>>> some financial counseling. It does not mean that you are unable to
>>>>> handle your own finances. The trick is keeping careful track of what
>>>>> you regularly spend money on, how much you spend and then cutting your
>>>>> spending so it doesn't exceed your income.
>>> 
>>>>> Best,
>>>>> Arielle
>>> 
>>>>>> On 5/30/14, via nabs-l <nabs-l at nfbnet.org> wrote:
>>>>>> Hi,
>>>>>> I have a question: My parents are threatening me  about my finances
>>>>>> and
>>>>>> they
>>>>>> are going to take me to court for Guardianship over them.
>>>>>> I am having a problem with managing them and saving money.
>>>>>> Am I allowed to have a advocate?
>>>>>> I hope to hear from you soon.
>>>>>> Sincerely,
>>>>>> John Sanders
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