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Second, in what area of the country can you live on only $800/month? Rent and utilities - even in most rural areas of the country - would eat up most of that $800 budget. That would barely leave room for a subsistence rice-and-beans diet.

North East Texas? Mom sounds very much like M, except that her house is paid off. Her electric bill on her all electric house is only about $90/mth.

With no house note, but a lot of credit card debt, and with just a little income from her oil and gas revenues (most recently just under $200/mth), Mom is making it barely on about $1,000/mth. She thinks if she didn't have her credit card debt, she'd be able to make it just on the SS income of $888/mth.

The only reason we don't have her file for BK is that if she had an emergency, she'd have no credit card to use.

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