Let’s Talk About Money!

The Self-Directed Network at the Sherlock Center was excited to talk about something that affects all of us: Money!
What is money? Why do we need it? How do we get it? And how do we spend it?
These were the big questions that kicked off a lively and empowering discussion among participants. Everyone was eager to learn more—not just about dollars and cents, but about how money can bring peace of mind, better opportunities, and more choices in everyday life.

Needs vs. Wants: What’s the Difference?
Facilitators Deanne and Tanja guided the group through a fun and engaging PowerPoint, helping everyone think about the difference between needs and wants.
Needs are the basics—what we must have to stay healthy and safe:
A place to live
Food to eat
Clothes to wear
Medications we rely on
Wants, on the other hand, are things we’d like to have—but we can live without. For example, Paul shared that he wants to buy musical equipment. It’s something that brings him joy, but it’s not a necessity.

“What Is a Budget?” One question sparked a energetic exchange: “What is a budget?”
This idea-planning ahead for both your needs and wants – gave everyone a chance to share a little more about themselves.  Deanne and Tanja kept the tone light-hearted and relaxed, encouraging questions and making sure everyone felt comfortable speaking up. They really did.

With support from Ian Armistead, the benefits specialist at the Sherlock Center, the group explored important topics like:

• •SSI and SSDI
• Medicaid
• Special needs trusts (especially third-party trusts)
• Planning tools for financial independence
  Ian’s knowledge was a huge help in explaining complicated systems in a way that made sense.

Talking Dollars and Sense
When the topic turned to income and expenses, the room came alive. Everyone was ready to jump in! Tanja and Deanne walked through a sample monthly budget, line by line. Although they admitted this is usually the “least exciting” part of the workshop, the group had a lot to say—and much of it was incredibly insightful.

Miles chimed in with great advice:“You want a nest egg, and you need money for a rainy day!” He even shared a money-saving tip:“You can save on cable bills with a Fire Stick.”

Janice added a challenge many people face:“Some months have 5 weeks… it’s hard to figure out how to make the money stretch.”

Deanne agreed and talked about how she had to go back and revise her own budget—because things change!

Zach reflected on the value of planning ahead: “And saving! It’s important because ‘life happens,’”
…prompting laughter and plenty of knowing nods from the group.

Tech Tips and Treats
Crystal Cerullo, individual and family support specialist at the Sherlock Center, shared a great tech tip:There are free apps available that can help track your expenses and make budgeting easier.

And finally—an unexpected but much-loved “benefit” from the Sherlock Center: Pizza and cookies were served, making the evening both informative and fun.

Final Thoughts
This was more than just a workshop. It was a chance for everyone to share real-life experiences, offer practical tips, and gain confidence in talking about money. Whether you’re budgeting for groceries or planning your vacation, one thing is clear: Talking about money matters—and this group was more than ready to keep the conversation going.