NEW to Montana! Montana ABLE accounts.

Visit the website: or download the attached brochure for more information. Montana ABLE accounts are a great way to save money for individuals who are receiving SSA benefits and who have acquired their disability prior to the age of 26. Money may be saved for a variety of purposes, including medical needs, education, and more.

Living with roommates is an option that may be more affordable by sharing expenses such as rent and utilities. A roommate may also be willing to provide personal care for a discount on their share of the living expenses.

Living in an apartment located at a family member’s or friends home may help create independence while still having help nearby if necessary.

Transportation is another thing that needs to be thought about when looking at housing options.

Why do you need money?

As an adult, you’ll need money to pay for all kinds of things, including:

  • Food
  • Housing
  • Heat, lights, telephone, television, Internet access
  • Transportation
  • Clothing
  • Health care
  • School (college, technical school, night classes, etc.)
  • Taxes
  • Leisure activities (travel, hobbies, club and team memberships, etc.)

Where do you get money?

There are lots of different ways you can get money.

How do you make sure you have enough money to pay your bills?

It’s important to learn how to budget your money. Keep track of all your monthly bills and all your monthly income. When you are figuring out your monthly expenses, be sure to include money for medications, pet food, emergencies, and any other miscellaneous items you might want or need to buy. If the total amount of your bills is more than the total amount of your income, you need to either cut your expenses (for example, get rid of the cable television and eat out less often), increase your income (such as find another part-time job), or both.

What if my parents want to leave money to me when they pass away?

Your parents will need to do what is called “estate planning.” This is where they figure out the best way to provide you with money after they are gone. Families often decide to talk to an attorney for advice when they are planning their estates.

For more information about money (earning it, applying for it, spending it wisely, and saving it), check out these resources: