Mum is currently No. 3 on the waiting list for my preferred home. I am hoping I can still make day care work so that I can keep her at home for a bit longer with my support and day care visits a few times a week. This should be sustainable, if I can keep getting her through the door of the home!
But, I have now started worrying about finances. Things are OK if I keep her at home and utilise day care, but if she goes into a home, that's something else. Even if she gets some funding from Social Services (which she should), around here the cheapest home is £750 (and it wasn't nice) and even then I'd have to contribute over £200 a week. The chances are that she will end up somewhere costing £850-£950 a week, so that's even more to pay.
I appreciate that we can't all have care for free, but it makes me sad that we have to pay to support our parents when actually it's an illness that's causing us to provide this care for them, rather than old age and the challenges that brings.
So, now I have to consider working again to pay for mum's future stay in a care home (possible) or sell my house and buy something smaller and then buy a rental property to cover the top up for mum's home (also possible, but a lot of hassle and upheaval). All very worrying and unsettling. And on top of that I am worried about there being enough money left for me one day so that I myself can be cared for in a good home (as I have no one to look after me).
I know there's no easy answer to this, but I used to think I had saved well so that I could have a reasonably comfortable existence in my old age, but now this looks like it may be as risk ... and it's deeply unsettling.
I don't expect anyone to provide a solution, just offloading and thanks for reading!!
But, I have now started worrying about finances. Things are OK if I keep her at home and utilise day care, but if she goes into a home, that's something else. Even if she gets some funding from Social Services (which she should), around here the cheapest home is £750 (and it wasn't nice) and even then I'd have to contribute over £200 a week. The chances are that she will end up somewhere costing £850-£950 a week, so that's even more to pay.
I appreciate that we can't all have care for free, but it makes me sad that we have to pay to support our parents when actually it's an illness that's causing us to provide this care for them, rather than old age and the challenges that brings.
So, now I have to consider working again to pay for mum's future stay in a care home (possible) or sell my house and buy something smaller and then buy a rental property to cover the top up for mum's home (also possible, but a lot of hassle and upheaval). All very worrying and unsettling. And on top of that I am worried about there being enough money left for me one day so that I myself can be cared for in a good home (as I have no one to look after me).
I know there's no easy answer to this, but I used to think I had saved well so that I could have a reasonably comfortable existence in my old age, but now this looks like it may be as risk ... and it's deeply unsettling.
I don't expect anyone to provide a solution, just offloading and thanks for reading!!