Hi everyone,
I left my full time job 4 years ago to take care of my mom who has Alzheimer's. I am her sole caregiver. We have been living on her social security and pension just fine but the amount my mom gets just takes care of the bills in the house plus allows me to buy enough gas to take her to the senior citizens building twice a week to get in some walking for exercise and occasionally mom gets her favorite meal from MacDonald's, a double hamburger, fries and a coke. The only thing I spend money on is cable (no premium channels) as this is the only recreation I have. I'm in the house with mom. There are no friends coming around because I moved away from my home to take care of her. I haven't had my hair done since I moved in with my mom (she hasn't either). Just painting a picture that extra money is not being spent on frivolous items.
I'm very good with mom's money and have always managed to save enough out of her pension and social security to pay taxes on the house. However, this year I was not able to save the money because my mom went into the hospital last year for a couple of months and when she came out she had 9 new prescriptions that she needed to take. She was only on three medications before. We were paying $58 a month on her medicine before she went into the hospital and now we are spending $310 a month. This has eaten into the money I would have saved for taxes. She owes $2500 in property tax for fiscal year 2007.
For fiscal year 2008 mom is eligible for a 50 percent reduction in her property tax because of a program the city has started to help seniors stay in their homes. So I will be able to save the money to pay next year's tax. I will get rid of cable and take mom to the senior citizens place once a week. I went to PharmAssist to see if she could get help with her medicines but they would not help her because she already gets help for out of pocket expenses through her health insurance. I have to admit she does have good health insurance and I'm not going to lie here and say her out of pocket for when she was in the hospital was outrageous. We paid her medical deductible for the year and with that and the new precriptions we just ended up short this year for the $2500 property tax.
I have been trying to raise the money for the tax. I have one sister and one brother and they have been trying to save money but in the end they could not help me. I don't work so I can't take out a loan and I have been trying to get a loan on my mother's behalf. One mortgage lender responded (I went through Lending Tree) and would only loan mom a minimum of $15,000 and my mom had to do a second mortgage with points, a higher interest rate than she has on her first mortgage and that kind of loan along with the first mortgage would wipe us out, so I was not crazy enough to do that.
If anyone has a creative idea or solution or can just plain help, please let me know. The city has sent my mother's case to an attorney for foreclosure to sell my mom's home for this $2500. My mom's house down the drain for $2500. And where do I go with a mother with Alzheimer's? I don't want to put her in a nursing home at this time because she is still aware of herself and others (she is always asking for my sister and brother who NEVER come to see her, and her grandchildren). It would kill me. And I have no idea where I would go because I have not worked in over 4 years and my last jobs was 600 miles away from where I moved with my mom. I know nothing about this city because all of my time has been spent with my mom, so I do not have any friends here and I don't know where to go for help.
Thanks for listening.
Nessun