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Saturday, December 13, 2008
Bad Times and Good Choices - Managing Family Finances During a Repression
Are you getting your daily vitamins, the ones that address the likelihood of depression and dark moods? The aging population searches for elusive answers. Are you ready to deal with the anticipated continuing slide in the economy, in joblessness, in consumer confidence and spending, in reduced possibilities for any near term solutions to this economic morass we find ourselves collectively experiencing? Senior citizens around the country find themselves searching for answers to stretching their financial dollar in these difficult times.
Heading off this misery will take more than Pollyanna perspectives. Looking at the bottom line trying to ascertain if there is enough to make it through whatever years remain in retirement is a profile in courage. Giving in to the bad news and getting hyped up about all the bad news aren't solutions. They are options, but not solutions.
Here are some possibilities, geared toward the senior citizen population. Non-seniors might also learn from these suggestions. Maybe they will offer some insight and encouragement.
*Put yourself on a diet of information intake. Do not watch or read about every downturn daily. Keep up with enough, but don't deluge yourself with more than necessary.
*While it may be too late to salvage certain of your nest egg investments, evaluate whether, how, if you have options to protect what remains.
*Eliminate absolutely every unnecessary expense from bottled water or coffee at the Quik Stop to non essentials in the grocery store. Shop for bargains. Engage in the new discipline of non impulse buying. Stay away from the store, if you can't handle the need to be more prudent.
*Eliminate all together any trips that do not have a purpose or a plan to keep expenses at a bare minimum. This includes going to the mall, just strolling by the stores, reading the ads in the paper, taking seriously the come on commercials on TV, ad nauseum.
*If you impotence remedy to get together with friends, host a pot luck, with everyone participating in preparing and providing the meal.
*Adjust the thermostat. No suggestions needed, you know the drill.
*Adjust your oscillating fans, for winter circulation, but turn them off when not in the room.
*Live in less space in the house.
*Take walks, with your pets, for exercise. Look at the cost of membership in a Health Club.
*Keep giving to others. If you can't do cash or check, then donate time, stuff, and ideas.
Getting through this may not be easy, but it may also test seniorcitizenjournal.com/senior citizens ability to adopt a life style that may just be very healthy, emotionally, economically and physically for us.
Article provided by Dr. Jerry D. Elrod. For information on retirement, Baby Boomers and everything related to Seniors, please visit my blog at seniorcitizenjournal.blogspot.comhttp://seniorcitizenjournal.blogspot.com
Posted by jodzrijt | 12:43 AM | E-mail this post 
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