[nabs-l] [Private] guardianship question

Sat May 31 20:13:38 UTC 2014

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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