I'm self employed as a real estate agent and there is not a lot of time to commit to my job as I spend a lot of time helping my Grandma. Drowning in bills and no income to pay them. Not sure what to do as she would not do well in a nursing home and doesn't have a lot of money herself.
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Have you asked them for financial help? Do they know that you are "drowning in bills and no income to pay them"?
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I know with your job, you need to meet up with clients all days of the week and any time they need your help. You work all the holidays, evenings, and can spend a month of Sundays with a client who decides at the last minute they won't want to move. You get zero income for all that work. So I can fully understand how tough this is for you income wise, plus all the expenses incurred by real estate agents.
May I ask why you were chosen to be Grandmother's caregiver? Where are her children or have they all passed on? What are Grandmother's health issues, and how old is she?
How do you know that Grandmother wouldn't do well in a nursing home? There she would have a village taking care of her. She would be around people closer to her own age group which I feel is so very important for an elder's self being.
Does Grandmother own a house? She could sell it and use the equity to be in Assisted Living. The newer places are more like hotels :)
Otherwise Grandmother could apply for Medicaid [which is different than Medicare] and Medicaid would pay for her room/board and care.
You really need to get back to your career. It's only fair. Or before too long you could crash and burn from the stress. Then what?