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Guest Blog: How Seniors Can Reduce Financial Stress

 

Anxiety and worrying about financial problems is a common issue that seniors often face. Obviously, finding a reliable stream of income after retirement is not easy.

Well, one way to reduce mental stress is to visit retirement locations. Another method to alleviate financial problems is to invest in gold bullions at a young age by getting them from Gold Bullion Australia.

Let’s discuss some other techniques to cope with financial stress and live with a mind free from any worries.

Think Positive
Positivity is the key to bringing a healthy change in your life. If you are surrounded with negativity, either in the shape of people or in the form of thoughts, you cannot work on anything without stressing out.

Although it can be difficult to ignore or put your financial problems aside, you can adopt an optimistic approach every time you think about your economic condition.

Define a Budget
Emphasizing on a budget might look like adding more worries to your list, but it is an effective way to get a control on your financial stress. Defining a fixed amount will help you to decide how and when to spend cash.

A budget maintains a balance between savings and spending. When the amount you spend significantly limits the amount you save, you can cut down your budget.

Initially, it will be difficult to make a budget plan because it is not easy to determine how much to save and how much to spend. Once you get a grip of your financial plan, you can easily allocate your budget.

Start by saving on a small scale, and then each month cut down your spending. When you find a right balance, define a budget plan and follow that every month.

An Emergency Fund Can Come in Handy
The money that you set aside for emergency situations and unexpected accidents or incidents is an emergency fund. Allocate a fixed amount to put in the emergency fund box and don’t open that box to take out money until you really have a financial emergency.

This is an effective method to cope with financial stress since you know that you have some spare cash for an unexpected moment.

Although it is not easy to set money aside for an emergency fund, you should really adopt this technique to get out of any trouble in future without asking for monetary help for others or taking bank loans.

Getting Financial Help from Others
In case you are not able to handle your financial problems in spite of having an emergency fund, you might need help from others.

A bank loan or borrowing some money from your friends and family can work in this situation. Keep in mind that a bank loan has to be paid back with interest, while you might not need to pay extra money to your loved ones. So, choose wisely to avoid any financial stress in future.

By |2019-08-16T08:45:12-05:00August 22nd, 2019|Dr. Mauk's Boomer Blog, News Posts|Comments Off on Guest Blog: How Seniors Can Reduce Financial Stress

Guest Blog: 5 Signs of Mental Health Issues for Seniors


When you’ve started to notice changes in an elderly relative, you may wonder if a mental health issue is the cause. While it is important a mental health professional diagnoses these issues, some signs exist indicating that the time has come to make an appointment.

Depression

Depression can occur for a host of reasons. Elderly individuals may be suffering from the loss of a loved one, or they may feel alienated, isolated or otherwise separated from their friends or from their interests outside of the house. Individuals who seem filled with sadness and negative emotions or who are hinting about emotional turmoil may need outpatient or inpatient treatment for depression.

Anxiety Issues/Bipolar Disorder

You may also notice that your loved ones are having heightened periods of elevation followed by periods of deep sadness. They could be suffering from bipolar disorder. Serious anxieties could begin to manifest at this age too. For example, you may notice that your elderly relatives always seem to be thinking about their own death or about expected loss of other loved ones.

Memory Loss

As people age, you may think that it is a normal occurrence for them to forget information that they would have once remembered. However, these early slips could be signs of a more serious problem that is coming into fruition. Your loved ones might now be forgetting about certain dates or social events, but these struggles could turn into failures to take medication or complete other necessary medical tasks.

Personal Care

If you notice that your loved ones are not taking care of themselves as they used to, this situation could also be a sign of mental health issues. For example, you may have noticed that your relatives are no longer brushing their teeth or bathing on a regular basis. Seeking professional help can uncover the root of the issue so that a plan of treatment can be devised.

Social Withdrawal

Your loved ones might also seem to not want to participate in social activities anymore. Whether they are constantly declining invites to attend family functions or they do not want to participate in community activities any longer, these decisions could be signs that a mental health issue is present.

As your loved ones age, you may be the lookout for physical health issues. While addressing these problems is imperative, so is watching for signs of mental health struggles. May is mental health awareness month, get involved to help bring awareness to this important cause!

By |2019-08-16T08:44:51-05:00August 21st, 2019|Dr. Mauk's Boomer Blog, News Posts|Comments Off on Guest Blog: 5 Signs of Mental Health Issues for Seniors

Starting the Conversation: How to Talk to Your Parents About Senior Care

Contributing Author: Christopher Norman, Geriatric Nurse Practitioner

An inevitable process has begun: Your parents are growing older. Maybe they are struggling to keep up with their personal needs, or they have worsening physical limitations. Whatever the reason, you realize it’s time to talk with them about senior care. If you are nervous about initiating this conversation, you are certainly not alone.

Seniors often resist this conversation for a variety of reasons. Transitioning from giving care as a parent to receiving care from others can be a difficult adjustment. Additionally, many seniors resist accepting help because it means acknowledging the passage of time and the loss of independence.

Regardless of why your parents are hesitant to acknowledge their need for help, the way you approach this conversation can make a huge difference in the way they respond. Below are a few tips you can use in navigating this difficult topic together.

Start By Listening
Not sure where to begin? The secret ingredients for a constructive conversation on the topic of senior care are empathy and active listening. Before you begin to share your point of view, ask open-ended questions to uncover what they think, feel, and believe about aging and senior care.

Be Prepared to Offer Solutions
As you transition to a discussion about specific senior care options, your parents will likely be much more receptive to your input if you take the role of a knowledgeable advisor. If you research ahead of time, you can be prepared to lay out their options and work through any barriers, whether real or perceived. Two of the most important topics to read up on are:

Finances. One of the older generation’s chief concerns is finances – how to pay for the care they need will most almost definitely be a point of concern. Prior to broaching the topic of senior care, learn about the different payment options and financial assistance available for the various levels of senior care, such as in-home care and assisted living.

Aging in place. Many seniors prefer to live in their own homes for as long as possible – also referred to as “aging in place.” Be ready to discuss the need for in-home care and the need to find or adapt a home with “Universal Design” principles, such as no-step entryways, walk-in bathtubs, and wide hallways. Another key component of safely aging in place is assistive technology such as a medical alert system, which provides access to immediate help in an emergency. Research the costs and options available from different companies, and consider adding a home security and automation system as well.

Keep Your Final Goal in Mind
It is difficult to predict exactly how the conversation about senior care will be received by your parents, but as long as you listen, empathize, and are prepared to answer questions, you can make this difficult transition easier on everyone. You can then move forward together to find a senior care option that gives peace of mind to both you and your parents, with the ultimate goal being their safety, health, and happiness.

By |2019-08-17T09:48:18-05:00August 19th, 2019|Dr. Mauk's Boomer Blog, News Posts|Comments Off on Starting the Conversation: How to Talk to Your Parents About Senior Care