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Guest Blog: Budgeting for Seniors and Those on Fixed Incomes

Most seniors have a fixed, limited income. Even though it may not seem like a whole lot, there are ways to budget and make the fixed income work to your advantage. After all, you know exactly how much money you are going to get each month. You don’t have to worry about losing a job, or not getting a paycheck. Most of the time the money comes in on a predictable date and this is very advantageous because you know exactly when the money is going to get replenished.

Now to the budgeting. Most seniors have essentials such as paying for medications, food, rent and mortgage, transportation and of course incidentals. Figure out how much you have available after your rent/mortgage expense, medication expense, transportation expense and this is the amount you have for food and incidentals. Going out to eat can be a major expense so staying in might be a good idea for some.
Additionally, if you have money left over at the end of the month, you can save up for a vacation, or a one off purchase.

If you have debt, negotiating the interest rate with the bank or credit card company can save a lot of money. Monitoring utility usage and minimizing utility usage can also lead to a big savings. Leaving on the air conditioning or heat during the day when you aren’t home tends to add up over time. Even though this may amount to 50-100.00 per month, over the course of the year this equates to thousands of dollars.

It’s also worth mentioning that not all insurance premiums are created equal. Some people are unknowingly paying for services outside of Medicare that they may not need. Likewise, for those on an extremely reduced fixed income, it could be worth looking into Medicaid in your state. Each state has different rules, but here is a nationwide guide to Medicaid, which can help pay for regular medical expenses and long term care.

The last piece of advice is to track your not-so-necessary purchases. Write down each time you purchase something that is not essential and you will most likely be surprised. If you are not careful, a large amount of your budget could be going to non-essentials. Whether you use a pen and paper, or are using budgeting software, it is a good idea to keep track of all expenses. Click the lick to see a handy budget sheet created by AARP. This minimizes surprises and will lead to a much easier time getting to the next month’s income check.

Jacob Edward is the manager of Senior Planning in Phoenix Arizona. Jacob founded Senior Planning in 2007 and has helped many Arizona seniors and their families navigate the process of long-term care planning.

By Jim|2022-10-26T10:18:53-05:00November 13th, 2022|Dr. Mauk's Boomer Blog, News Posts|Comments Off

8 Fun Activities for Seniors with Mobility Issues

Do mobility issues have your aging parent down in the dumps? Losing the ability to get around independently can definitely strike a blow to confidence and wellbeing levels. Mobility issues don’t need to stifle a senior’s sense of purpose or enjoyment of life though. Don’t miss these 8 fun activity ideas for seniors with mobility issues:

Board games – bring on the board games and give your loved one a cognitive boost. Everything from cards to Scrabble to Monopoly, Dominos, and Checkers is a great place to start. Stock up on gently used board games from local re-stores like Goodwill and invite friends and family to join in on the fun.

Puzzles – putting puzzles together stimulates critical thinking and problem-solving skills as well as engages spatial awareness and concentration. Don’t reserve your fun to jigsaw puzzles either; games like Sudoku and Jenga have similar brain-boosting effects too!

Cooking – maybe standing at the stove to stir a big pot isn’t feasible, but mixing a green salad at a lower table is. Or helping scoop cookie dough onto a baking sheet. Cooking with your aging parent not only gives them something fun to do but helps them feel like a productive contributor in the home too.

Chair exercises – routine workouts are critical for all older adults, even people who are limited to canes, walkers or wheelchairs. Physical fitness helps prevent unwanted weight gain and lifestyle diseases like diabetes and heart disease. Guides to chair exercises and exercises for those recovering from injuries like fractured hips can be found online.

Art project – get the creative juices flowing and find an art project geared towards your loved one’s interests. Perhaps it is painting on a canvas, collaging, knitting, coloring, making jewelry, or even simply framing family photos – the act of creating something can is truly invigorating.

Planting – potting plants is easy and accessible when your loved one can sit in a chair at a table. Mixing soil, placing plants inside pots, and even snipping dead leaves or picking herbs are monthly activities that your loved one can do with minor assistance.

Reading – Nothing beats a good book. If your loved one is unable to hold a book or see words on a page, audiobooks are a great alternative (and can be borrowed for free at your local library).

Video chatting – for seniors with mobility limitations, social isolation is a very prevalent and dangerous reality. Technology makes it easy, however, to connect with friends and family near and far via free services like Skype, Google Hangouts or Facetime. You simply need a smartphone or webcam with speakers for your computer.

By Jim|2022-09-29T15:17:19-05:00October 19th, 2022|Dr. Mauk's Boomer Blog, News Posts|Comments Off

Guest Blog: How to Make a Difference in the Lives of Seniors in Your Community

From the loneliness and isolation that many seniors face to the physical impairments or disabilities that may limit their ability to perform some daily tasks on their own, many aging adults could benefit from the assistance of other members in their community. If you’re interested in helping seniors living in your neighborhood, the following resources will familiarize you with the different challenges that many aging adults face, as well as some of the things you can do to help out.

The Challenges of Growing Older

There is a saying that growing older is not for sissies, and in a sense that is very true. It stems, of course, from the fact that the strength and vibrance of our bodies and minds can wane over the years. Being aware of the challenges older people face can help you recognize opportunities and define your responses to them.

Explore this comprehensive guide to issues facing seniors
Seniors who are growing older without partners or family close by face unique struggles
Growing older means coming to grips with one’s mortality; be sensitive to the spiritual needs seniors experience
Among their challenges, basic needs like performing household tasks and meal preparation can be difficult for seniors
Falling is a major health concern for seniors, even in their own homes

What You Can Do to Help

Sometimes finding opportunities isn’t the hardest part of assisting seniors; sometimes it’s finding practical solutions. Seniors face problems big and small that you can solve, though. Thankfully, most of those solutions are surprisingly straightforward, and really just require a little bit of thinking outside the box. Explore these simple strategies for some of the concerns you might realize are part of an older adult’s life.

Isolation is a common health issue for seniors but there are practical solutions
Being homebound is an issue for many seniors
Teaching technology to seniors is a great way to connect them with others and help them feel engaged, even if they are homebound
An Echo Dot is an affordable device for seniors that allows them to perform a variety of practical tasks
Most seniors can get comfortable with smart speakers like Alexa pretty quickly with a few pointers, and they reap many benefits
Taking quick, easy and healthy meals to seniors helps to ensure they receive proper nutrition
Another idea is to set up a senior with grocery delivery for fresh meals
Senior Care Central offers individualized care solutions for seniors

If your family is interested in giving back to seniors in your community, this guide will help you to get started. By sharing your time, helping a senior neighbor with housework, and cooking meals for aging adults in your community, you’ll be making a difference in the lives of local seniors.

By Jim|2022-09-29T15:16:41-05:00October 15th, 2022|News Posts|Comments Off

How to Find the Right Senior Housing Community

Guest Blog: How to Find the Right Senior Housing Community
By: Derek Hobson

First let’s tackle the basics. Many people are wary of senior care homes because there’s a stigma that surrounds them; people see them as gloomy, dreary, end-of-life communities. While certainly there was a time when this was the case (several decades ago), most communities have worked hard to battle this stereotype and they have succeeded.

Many communities have done away with “institution” or “hospital” –like settings. Even more have become increasingly lenient on policies regarding residents’ possessions; some facilities have been known to permit pets and even furniture to help it feel like home. So, when the time comes to transition into one of these senior care homes, the question becomes, “How do I find the right one?”

1. Find out About Affordability
This is usually at the top of everyone’s list and for good reason. Today, people are having children later in life. This isn’t a bad thing, but it means that around the same time their kids are going off to college, their parents are starting to need extra care. This can put a lot of stress on adult children, but some senior homes provide help.

Some Assisted Living Facilities will accept private pay for a period of time and then accept the rest through Medicaid. This way, your senior does not need to move and they won’t need to fear outliving their assets.

2. Visit the Community (Often)
If you think a community looks good for your loved one, then you should visit and revisit. You should tour the facility on different days of the week at different times. This way, you’ll get a much broader view of the day-to-day.

See if people are out and about, if engaging activities are going on, and if there’s a general feeling of community. If you show up to an elder care home that looks more like a ghost town, then it’s probably not the one for your loved one.

3. Talk to the Residents & Staff
This one is critical, as nothing quite beats a first-hand view into the establishment. Ask residents if they enjoy the community, what they do on a daily basis, and if they’re happy.

When asking the staff, of course they’re not going to disparage against the home, but one of the most important things to take notice of is how they interact with the residents. If they refer to them by name and have clearly established relationships with them, then this can be a huge indicator of the level of personal care your loved one will receive.

These are the three most important criteria to face when choosing an elder care community and they should give you a well-rounded idea of the facility you’ve chosen.

By Jim|2022-07-30T11:48:29-05:00September 14th, 2022|Dr. Mauk's Boomer Blog, News Posts|Comments Off

5 Pieces of Technology Seniors Need

Seniors are using technological gadgets today more than ever according to a 2012 research. However, seniors have a long way ahead before they are tech savvy. Good technology can keep your senior loved ones engaged, connected and active both mentally and physically. Again, technology enhances safety for seniors living at home. Check out these five pieces of technology.

1. Tablets, iPads and Smartphones

Your senior loved one needs to have either or all of these devices. They are simple devices really that you may not even realize are needed. Tablets are iPads can be installed with games and apps that promote the mental fitness of your older parent. Seniors can also view photos, learn languages, listen to music and stay connected with people.

2. Medical alert systems

Medical alert systems are a must-have for all seniors. They are designed as simple smartwatches or bracelets and others are like a key fob that seniors hang around their neck. These systems help you monitor the location of loved ones at all times, it gives them calendar notifications and reminders, detect falls and some even have a panic/help button. Because the systems integrate with your smartphone, you have access to your senior loved ones as long as you have your smartphone.

3. Wireless Internet

Does your senior loved on use the internet? If they do, they will need wireless internet more. Even when a senior does not use the internet, most of the smart devices you install at home do; smart sensors, smart thermostats, smart home monitoring and surveillance systems and even the smartphones use internet. Today, most nursing homes are connected to the internet.

4. Smart Assistive Devices

Assistive technology help seniors stay independent at home and also stay safe. You do not have to get them Amazon’s Alexa but you can have other smart devices to help seniors with daily tasks at home. Besides the obvious technologies like home monitoring and GPS, you can install stove shut-off systems, photo-enhanced phone dialers, smart LED lights, and medication dispensing appliances. These systems come in handy when seniors have cognitive impairment.

5. Fitness Bands

Fitness bands have advanced greatly offering more than just activity stats. Bands such as FitBit, will monitor levels of activity throughout the day, heart rate and even warn when senior vitals are not normal. This way, it is easier to detect when seniors are suffering from a disease and seek medical help. Seeing that these bands can even detect blood sugar, and they are light enough to be worn 24/7, they are great for all seniors.

By Jim|2022-07-30T11:46:27-05:00September 2nd, 2022|Dr. Mauk's Boomer Blog, News Posts|Comments Off

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