Living with a disability can be expensive, really expensive. While just getting through day to day life can be a challenge unto itself, when you are disabled you have a whole other world of financial troubles that average Johnny doesn’t have to deal with, or even know exist! Affording to pay for apparatuses and aids to help yourself, paying for in-home care, finding money for medications, then there are therapy costs, regular doctor visits and organising suitable transport. So on and so forth, the list just goes and goes. Being disabled definitely puts a real lock-down on your wallet. Below I’ve put together some steps, you can take right now, to help you be able to afford some of life’s luxuries, that you so deserve.
First off, you need to consolidate your finances. Read more: https://www.debtconsolidation-loans.ca/ The reason most people, handicapped or not, fail to get out of debt is because they skip this crucial step. If you don’t re-group your bills, how can you really keep track of how much money is being paid off credit cards, back to student loans, off the mortgage and so on? You can’t. Everyone I know that has their finances together has one thing in common. They’ve all pulled out a piece of paper, drawn a big line down the middle of the page and on the left written down how many different debts they have. Then on the right how much they’re paying toward that account each month. The numbers don’t lie. I remember being gobsmacked the first time I did it and saw the totals.
It should be immediately apparent that if you want to avoid bankruptcy, you can’t keep heading down this ludicrously twisted path of paying off some dollars over here, a loan over there and some other credit card bill over yonder. Staying inside this haphazard, never ending loop of bills will end in tears and repossession. You need to stop while you still can and consolidate it all. Read more: https://www.debtconsolidation-loans.ca/debt-consolidation-strategies-for-canadians/ Unfortunately the banks and credit card companies don’t care if you’re unable to work a regular job because of your ailment. To them money is money.
Next, you have to work out your necessities. From those columns, what do you absolutely need to live comfortably with your condition? For example if you are bedridden, then you will require living assistance. If you’re in a wheelchair but paying off a specialized automobile to get to you to and from your job, then that can’t be helped. If you’re amassing student debt or maxing out credit cards because of obligations going toward advancing your life and/or career, then they can’t be helped. We’re talking arrears from things like subscription services you no longer use but haven’t cancelled. Products you buy and use once. Clothing you order online that doesn’t fit and your condition makes it hard to get to a post office to return it. All these little things on a credit card add up a lot faster than you may realize.
Once you’ve got your necessities sorted into one group, you want to figure out all the individual interest from those various accounts, loans, cards and repayments. Write down these amounts and then add them up. I know! It’s a heck of a lot more than we all realize. If you add that amount up each month, it winds up costing you and arm and a leg, and let’s be honest, we disabled can use all the spare limbs we’ve got!
Finally, you have to look at taking out a low-interest consolidation loan. Read more: https://www.debtconsolidation-loans.ca/debt-consolidation-loans/ This will allow you to pay all your arrears off and fix up any dues you may owe friends or family who’ve helped you with your disability bills. Taking out a single loan and eliminating these monthly charges in one big swoop will cost you less in interest, than all the various bills and pieces combined. This will give you a chance to get back on top of your finances and start living a more debt free life. With less money owed and more coin in your front pocket, you’ll even be able to splurge on the occasional life luxury.
Most of us go through life without suffering from any really significant learning disability. Sure, we may never learn a recipe off by heart, needing to repeatedly look at the instructions every time we make a meal, but we can still make the meal without any real difficulty. Unfortunately for people suffering with some kind of disability, they can have real trouble making the meal, on varying levels. From being unable to read because of a physical ailment such as blindness to suffering a mental impairment caused by an accident or they’ve been living with their entire life. No doubt about it, having a disability not only makes life more tedious but it can put a significant downer on learning new skills. So I’ve put together a great resource of Canadian places and associations that offer educational aid and assistance for those needing it.
One of the most well known groups is Learning Disabilities Association. They help better the lives of those with handicaps by offering a wide range of support, from community networking that improves the enjoyment, both the carers and the disabled get from daily life, to locally run support groups for anyone from teachers to parents and all those in between. The informational libraries and annual workshops they run genuinely change lives for the better. Learning Disabilities Association can be found in major Canadian cities and have an influence and reach right down to the suburban level. You can get hold of them in every Canadian province and territory.
Another group that brings much needed help to Canadians requiring it, are the National Education Association of Disabled Students. Known via the clever acronym NEADS, their primary focus hones in on accessibility for students. By setting out to help any student that wishes to study beyond high school, their aid has not only helped out several disabled students in completing university degrees, but in going on to have successful careers in their chosen fields.
The Neil Squire Foundation is yet another place offering aid. They have been at the forefront of helping physically challenged Canadians since the mid 80s. This wonderful Foundation provides assistive technology to people in need, then trains and works with them in order to overcome any learning difficulties the person might find too challenging to face alone. They are not only proud to provide this level of care and commitment to the differently abled, but go a step further in helping workplaces provide job opportunities to the impaired people they’ve worked with so closely.
Whether it’s through providing equipment to the Canadian workplaces, training the disabled with computer tutorials and online services or just offering an unmatched level of care to those needing the help, one thing is abundantly clear. The Neil Squire Foundation truly cares about education for those with learning disabilities. This is further show when you look at the ongoing rehabilitation work they continue to do for those with learning challenges.
Hopefully you can see Canada has a ton of assistance out there for those with special learning requirements. While these are indeed some of the best places to start getting the help you or someone you know might need, by no means have I exhausted the list of potential options available at your disposal in order to find the assistance best suited to your individual needs. This is merely a springboard into getting you in touch with some people on the right path.