Girlie said...
Aerose91 said...
Girlie said...
Roxie60 said...
I just read Girlie`s post and that is the problem...symptoms are unpredictable. Very hard to plan life much less be dependable when don't know what the battle each day will be. It is a hard adjustment cause I expected to recover and get back yo work....now I have yo adjust to my new `normal` which is unpredictable at best
My brain was quite bad for awhile - even on the good days - good days meant I had minimal nerve pain and other symptoms.
I doubt if I could have even worked at a clothing store as managing the cash would have even been a challenge at times.Girlie- can i ask what you did before falling ill? Do you have any financial safety net you had accrued?It's a longish story.
When my husband and I got married, we were both working for about
a year and a half before I gave up my job to plan for a baby. We had decided that I would be a stay-at-home mom. It's what I wanted to do...and my husband fully supported that. My husband's job (at a pulp and paper mill) was enough to provide for the necessities, decent pay ...so I could do that. Not a lot leftover after the mortgage and other bills, but we managed pretty good.
The plan was for me to return to work when our son was in high school ...so we could have two incomes and start saving.
In 2008, I ended up getting a pretty good job with our Provincial Health Authority in the staff scheduling department. (It was difficult applying for jobs when I had been off work for 16 years. } Times were good...we were saving, making up for lost time ....and planning vacations...etc.
We had one year of two incomes when the mill closed. My husband started and stopped several jobs over the next 4 years....I had been promoted to a Supervisor position and then about
6 months later in April, 2013 I got sick. That summer he secured a decent job - also with our provincial health authority...but a different department. Money is 'fair' but not quite good enough on its own since we need to make up for all those years I was at home raising our son.
As far as pension goes - in Canada when you work, you pay into the Canada pension plan...so my husband will have that when he retires. He has worked since he was 14. (while going to school) He also will get Old Age Pension when he turns 65 - everyone gets that.
I will not get much from Canada Pension...as I didn't work for 22 years (and counting) to pay into it.
The good news is my husband has a pension from his mill job that he is able to collect at 55 years old.
We've done the math - and to wait until he's 65 doesn't make sense. The $$ per month you get for waiting isn't as much as what you receive if you take it 10 years early...and add it all up.
The timeline is confusing...but basically...I've not worked much since my husband and I got married.
I do not regret being a stay-at-home mom...and forfeiting all the $$$ I could have made.
Those days are filled with precious memories.
We'll manage somehow. we may both be working until we're 70 years old...
Definitely a series of unfortunate events, i hate hearing stories like that. I don't think you should kick yourself over taking time off to raise your son, there's no way you could have predicted this and there's only pride in being a devoted mother.
Is Canada's federal pension fund like America's social security? It sounds like it if you get different benefits the later you claim it. When you and your husband had solid jobs did they provide you any retirement plans? I'm not sure if they have 401K's IRA's or the like in Canada.