Are you a senior; have you retired and found that you are having trouble making ends meet? With today's economy, many of us are asking these questions.
Gas prices continue to increase. Heating costs continue to go up. Electricity is getting more costly. Medical care costs continue to rise. All of these items continue to be needed by the average family. Yet, if you are a senior, you are probably on an unchanging income like most of us.
I'm a senior - I'm 69 years old. I've been retired for about five years. I'm on Social Security and receive a pension. My wife, who is also 69, still works to supplement our income.
I've worked hard all of my life and earned enough income to live a secure life. Now, I'm seeing monetary problems; I thought I was OK for retirement and could continue to live the lifestyle that I was used to. Guess again.
Let me share some personal situations. I've had two surgeries in the past two years - Total cost $150,000. Although I am covered by my Medicare and Supplemental Insurance, I still have to pay about $9000 per year for Medical Insurance and this does not include deductibles and co-pays. Recently, I had dental problems; a new partial for five teeth - total cost $6500. I do not have dental insurance. I heat my house with oil; oil prices have continued to increase along with gas prices.
I'm just about to the point where I'm living from paycheck to paycheck. I was doing that when I was young and just starting to work. This is not appropriate. I asked the question "How can I help myself to better my financial situation?
There is help out there for seniors; I finally decided to start doing some research. Following are a couple of tips I found that helped me save some money:
1) Although I do not have dental insurance, I discovered a dental discount plan; I purchased it for myself and my wife for an annual cost of $179.95. I saved $1970 on my dental costs.
2) Another tip - I wanted to rent a car for a week for vacation. I looked at a number of car rental sites. I found that if you wait until a day before you need the car, you can rent one for about half the cost.
Every year our Government gives away hundreds of millions of dollars in cash, goods, and services to seniors. I've been able to access many money saving tips. I've found a great resource. It involves a book on money saving tips. I've found it to be very useful. I've already put several of the money saving tips into effect.
Author Resource:
My name is Jack. I'm convinced you can improve your financial situation like I did. To learn more, click on the following link:
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