What do you spend your money on?
As you regular people on here probably know by now, I am in a very lucky and privileged situation that, despite being disabled and as a result on low income, I have the luxury of being able to spend my money mostly just on the things I want, rather than the things I need. This is because I live with my family – my parents and my siblings – so we share expenses for stuff like bills and food and such between each other, except obviously for Sofi who is a kid. For example I pay for electricity because I use it loads more than anyone else here, or for all Misha’s food, though that one is quite obvious really because as much as Misha is all of us’ cat and we all feed him and stuff, technically it’s me who owns him so it’s like logical that I should make sure he has everything he needs, and Olek pays for water or buys the every day groceries or at least funds them. That means that I don’t have to care for all the bills and food and possibly even rent and things like that myself and this way, I don’t really feel any financial strain like I’m sure I would if I were living on my own. I do have a job at my Dad’s for whom it is lucrative to employ me because here when you employ a disabled person, all the costs of it that you have to bear are covered or partly funded by the State Fund for the Rehabilitation of The Disabled, like for adapting such employee’s workplace, trainings etc. And then you also get funding for the employment of such individuals. So I earn the minimum wage at my Dad’s and receive several kinds of disability benefits which I am eligible for. I mostly try to save up as much as I can, because I have no idea how long my Dad will be able to employ me and what my future will look like in general. But my Mum rightly says that it’s kind of irrational to only frantically save up for the future when you don’t even know how long you’re going to live and, just like I said, how that future is going to look like, perhaps something major is going to happen in the world of economy and all savings you’ve accumulated won’t matter anymore. Therefore I also use that money to satisfy all sorts of my whims, bigger and smaller.
So, aside for spending my money on obvious necessities and mundane things, I have quite a few subscriptions – for example things like Spotify which I can’t imagine using the free version of in a serious way given that I listen to music at night, and YouTube which I subscribe pretty much solely because I hate not being able to lock my screen while watching something, which is absurd given that I’m blind and it’s just a waste of battery life and everything, and I share these subscriptions with my family, or Mum and Sofi more exactly. I also have a subscription for the website where I do my Welsh learning from and a couple other things. – I buy loads of books. Actually other than the recurring expenses, I think I buy books most often, especially ever since I’ve started to seriously read English books because English books are easier to get. I do use our Polish blind library as well as BookShare which is an American library for people with print disabilities, and I typically look for free versions of books there first but I still end up buying a lot of books anyway. I still haven’t found a good source for Swedish ebooks/audiobooks that would be both accessible and available for people from outside of Sweden, but if I find one I’ll definitely be spending even more on books but I don’t really feel guilty about it or anything like that as I think books are a great thing.
Occasionally I’ll also buy music but this has to be really good for me to do it, so it’s usually only of my faza people whose music I much prefer to always have available offline.
I buy a lot of food that I like but no one else here does, be it regular food or candy, and I buy lots of snacks for my poor, unhappy Misha whose only real joys in life appear to be food and sleep. I’m not a huge fast food eater in that I don’t like a lot of fast food, but once in a while I’ll order a KFC takeaway for me and Sofi especially if I want to get something out of her or if there’s nothing more interesting in our own fridge at a given moment.
I love to expand my gem stone collection and happily invest in that if only I am able to, though it is not a cheap hobby so it’s not like I buy a stone every week or even every month, and also a lot of stones in my collection I have actually gotten from other people like my Mum or my grandad or my math tutor whose brother used to collect crystals and minerals as well, or like that one time I got a free sapphire ball (her name is Cecilia as in Cecilia Lind) from a minerals shop owner in Stockholm.
I buy relatively a lot of tech, , although I also get fundings for a lot of it if I am able to because in particular specialised devices for the blind also have very specialised prices. But like last year I bought myself a MacBook Air for Christmas, and earlier that year I bought myself an iPad as well, and that felt like one huge whim even though it wasn’t really, because originally I didn’t really plan to buy both of these in such short time but felt a bit pressed by various external circumstances. In the end I’m really happy with it though and I’m really glad with these decisions. Then just recently I persuaded my Mum to also make the switch to Apple and join Sofi and me, and we bought her an iPhone with Sofi for her name day, but obviously Sofi is a kid so her input was more symbolic than anything. Of course I totally didn’t mind that, because as much as I generally find the whole presents thing super awkward, I do like giving people presents when I’m sure that they will like something and I knew that she would eventually love her iPhone and that it was worth it, and she’s already loving it. As I wrote in a recent post, Olek is going nuts because he once had, as he put it “Samsungised” our family, only for me to “iPhonise” them now, and he was joking that he won’t speak to us anymore. I liked my success with transitioning Mum to Apple and I thought that my goal for 2023 will be to drive Olek further up the wall and convince my Dad to make the move. That is going to be more difficult, but I’m curious to find out how good my persuasive skills are, and I really do think that if he could go past the getting used to phase, which would undoubtedly be a lot more difficult than with my Mum, he would end up liking it too. I’m not sure if I’ll still be up to funding it though, because unlike Sofi, my Dad isn’t a minor, and unlike my Mum, he isn’t unemployed and on caregiver benefits. When I was helping my Mum with the move, I was at the same time in need of a more accessible controller for my AC, because using it with the totally inaccessible remote was really getting on my nerves and I wasn’t really able to do that independently and efficiently. So I wanted to buy myself a smart AC controller that I knew was accessible because unlike my AC itself it’s compatible with HomeKit, which automatically makes it accessible, but it also wasn’t a very cheap thing. My Mum offered that she could buy it for me which I gratefully accepted, but she’s been borderline broke for quite some time now so eventually I decided that I might as well buy it myself since I am not broke and I’d have a lot more use of it now than in the autumn or whenever my Mum will become un-broke. Mum helped me set it up last Friday and it works really well for me, I felt so happy being able to ditch the old remote. I am all the more relieved to have done it that, as much as it hasn’t been too hot for over a week, we’re said to have some major heatwaves now in the first half of August all over again.
And I also spend some money on supporting people or organisations who do something that I support or really care about. This has changed over the years because there are so many people who do great things and so many people who need support or help or stuff like that, but currently both my Mum and me are patrons of one Polish Catholic YouTuber who talks about stuff that we care about on his channel and he’s actually become a Traditional Catholic a couple months before our family if I remember correctly, and he’s from our area, so now that we attend exclusively Traditional Latin Mass and so does he, we’re fellow parishioners and my Mum talked to him and to his wife once. He’s no celebrity or anything but it’s kind of funny to get to know like that someone whom you’d previously watched a lot on YouTube, especially for Sofi. 😀 Other than that, even though I’ve moved pretty much entirely from Windows to Mac OS around January, I still donate to support NVDA – the free Windows screen reader which is the screen reader that I have used on that system most extensively. – Even though I now only use Windows on Sofi’s computer to convert my books to formats that actually suit me because I still haven’t figured out an easy and accessible way to do that on Mac, I still do use NVDA on that, and even if I hadn’t, it doesn’t mean I automatically don’t care, I think it’s very important for it to develop because it’s a very good screen reader, and it’s free, and good and free is a fairly rare combination where technology is concerned I suppose. 😀
And that would be about it, I think.
Now, how about you? 🙂