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Exercising Tips for Seniors with Health Conditions in Miami-Dade
Posted by Scott Cantin in Senior Care, Senior Health | 0 comments

Physical activity is good for people of all ages, including seniors. You still need some form of exercise even if you have a health condition like chronic pain, high blood pressure, diabetes, or arthritis. Physical activities like walking, bike riding, weightlifting, swimming, and gardening are safe, especially if you start slowly.
At Advancare, we do recommend speaking to your doctor before engaging in any physical activities if you have a health problem such as obesity, diabetes, or heart disease. Your doctor will tell you what exercises to avoid and which activities are good for you. Whether you have dementia or a short-term disability, our professional, compassionate, and caring caregivers can help you stay active with relevant exercises. We also offer home care services such as light housekeeping, meal planning preparation, and many others.
How much physical activity do seniors need?
A physical activity is better than none. That means you should stay active even when you have a health condition. According to CDC, 100 to 150 minutes of moderately intense activities like walking can go a long way toward helping seniors above 65 years. Depending on your health condition, you can assess what part of your body requires less movement and keep your activities moderate.
Staying physically active: Alzheimer’s disease and related dementias
Researchers have yet to conclude how exercises benefit people with mild cognitive impairment. They also want to know if physical activities improve brain function in older adults at risk of dementia. Seniors with mild cognitive impairments can successfully and safely complete vigorous exercise, provided no other underlying health concerns exist.
Being active helps people with Alzheimer’s to feel better. It also helps them maintain a healthy weight and have regular sleep and toilet habits. Caregivers can help seniors with dementia to complete these exercises successfully.
Benefits of exercises for seniors
Typical benefits of exercise for seniors include:
- Helps maintain or lose weight
- Reduces the impact of illness and chronic disease
- Enhances mobility, balance, and flexibility
- Improves sleep and rest
- Boosts mood and self-confidence
- Improves brain function
Exercising tips for seniors with health conditions
If you’re wondering what exercises you can participate in due to your health condition, don’t worry. Here are a few you try out based on your situation.
- Take a walk. You can do this with a loved one or caregiver
- Use exercise videos or check your local TV guide for programs that help seniors exercise.
- Dance to your favorite music
- Wear comfortable clothes and shoes. Ensure everything fits well to prevent falls and injuries.
- Drink plenty of water and other fluids to stay hydrated.
If you have trouble walking, do simple tasks such as sweeping and dusting, riding a stationary bike, lifting weights, or holding household items. It’s important to be realistic about how much exercise you can handle at a time. Take breaks as much as you can and keep your body hydrated. If you have a favorite activity, do it more often.
Exercises are not just good for general well-being; they also help speed up recovery. That’s why you should exercise even when you have a health condition. If you need help exercising or a caregiver to take you through the process, contact us today.
Why is Healthy Eating Important for the Elderly in Miami-Dade?
Posted by Scott Cantin in Nutrition Tips, Senior Care | 0 comments

A healthy lifestyle and a nutritious diet are particularly crucial for seniors due to their benefits. A healthy diet helps strengthen muscles, improve brain function, and boost immunity. That’s why our team at Advancare encourages our elderly community to maintain an active lifestyle and eat healthfully. We hire professional caregivers to plan meals and prepare them for seniors in Miami-Dade who need help with their nutrition. A healthy diet contributes to healthy aging. You can contact us anytime to learn more about our services and why you should trust us with any situation your senior loved one may have.
Healthy Eating Tips for Seniors
Despite being a crucial subject for the elderly, many don’t follow a healthy diet. According to the National Resources Center on Nutrition, Physical Activity and Aging, one in four older Americans have poor nutrition. We recommend eating foods rich in fiber, minerals, vitamins, and other nutrients to meet your nutritional needs. Limit foods high in processed sugars, trans fats, and salt. Here are a few tips to promote healthy eating in seniors.
Research Nutrients Your Body Needs
While you will be required to eat more vitamins, fiber, minerals, and other nutrients, your body has specific nutritional needs. The portions and daily intake vary from one person to another. Researching your specific nutrients or consulting your doctor about your nutritional needs can help you stay on the right path.
Focus on Nutrient-Rich Foods
As you age, your daily calorie needs reduce drastically while your nutrient needs increase. Eating nutrient-rich foods helps give your body the vitamins, minerals, and fats you need to boost immunity, strengthen bones, and increase brain function. Our meal planning can help ensure you eat the right foods daily to improve your overall well-being.
Eat Enough Fiber
Fiber is critical in your digestive system as it helps prevent constipation and other problems. Include fiber-rich foods in every meal, including fruits, vegetables, whole grains, beans, lentils, oats, nuts, and seeds.
Choose Healthier Convenience Foods
If you live independently and depend on convenient foods, choose the healthiest options available. They should be easy to prepare and full of nutrients. Check the labels to ensure they have less sugar and saturated fats but contain more fiber, minerals, and vitamins.
Consider Supplements
Sometimes, it isn’t easy to keep up with all the foods you need to eat to get all the nutrients. Either because you may not afford all of them regularly or may not be able to prepare them, and that’s where supplements come in. While we recommend getting nutrients from the diet, what’s most important is that you get the quality and quantity your body needs every day. Your doctor may prescribe these for you based on your needs.
Stay Hydrated
Drink plenty of liquids, including fresh water, every day. Don’t wait until you’re thirsty. Carry your bottle everywhere you go. You can supplement your fluid intake with fresh juice, tea, soup, and water-full fruits such as pineapples and watermelons.
Stay Social
Your overall health depends on your daily activities. Instead of sleeping the whole day or sitting in a small room, go out and get some sunshine, talk to people, and stay social. You can visit your family or have them come over and eat together. Social interactions make mealtimes fun and enjoyable.
Need Our Help? We’re Here for You
Whether you need someone to prepare meals for you, perform light housekeeping duties, manage your medication, assist you in bathing and grooming, run errands, and provide transportation, we can help. Our caregivers are highly trained to handle seniors ensuring they live happily, healthily, comfortably, and safely in their homes. Contact us today to know how we can help you.
Ways to Help Seniors Cope with the Loss of a Spouse in Miami-Dade
Posted by Scott Cantin in Senior Care | 0 comments

Losing a spouse can be particularly hard for seniors. The loss can have devastating effects on your immunity. You may feel fearful and shocked. Some people also feel guilty for being the one still alive, which can lead to depression and anxiety. Adjusting to living without your partner may feel impossible, but with the right help, you can return to your normal life in no time. At Advancare, we care about your well-being. That’s why we go far and beyond to find you the perfect caregivers for your specific needs. Our senior home care services in Miami-Dade include everything you need to lead a productive, happy, healthy, and comfortable life.
Mourning the Death of a Spouse
At Advancare, we believe there’s no right or wrong way to mourn. It’s normal to feel sad, have fluctuating moods, get angry, and break down. Most seniors mourning the death of a spouse may experience the following:
- Trouble sleeping
- A hard time making decisions
- Problems concentrating,
- Reduced appetite
Some people may feel better with time and may start putting their life back together. Others may take longer. Once in a while, you may think about your spouse and break down sometimes, but the pain will lessen with time. There will be good and bad days; you will know you’re doing well when the good days are more than the bad. You may need help if your mourning is interfering with your normal life.
Advice for Seniors in Mourning
Grief can be hard on anyone. So, don’t be too hard on yourself. Be patient with yourself and give yourself time to heal. Here are a few tips to help during mourning.
- Look after yourself: It’s easy to feel helpless, fearful, and lost. However, try as much as possible to return to your daily routines by eating well, exercising, talking to your loved ones, and taking your medication.
- Join community groups: Your neighbors and friends will provide the perfect support you need to start all over again. Joining community groups allows you to get busy, talk to different people, and even share your struggles with others who can help.
- Don’t make any major life changes immediately: Wait for a while before moving or changing jobs. This gives you enough time to heal undisrupted.
- Seek help whenever you need it: Don’t think you can handle grief alone. A visit to your mental health professional can help.
Finding a support system
Learning to accept the loss of a loved one is difficult for everyone. Instead of brushing off your grief, seek help, especially if you feel overwhelmed or depressed. Your family and friends are the best people to contact for support. Remember, they’re grieving too, so it’s much easier to speak about the person, share memories and look out for each other.
How grief counseling can help
Sometimes, finding grief counseling may be the best way to walk through your grieving journey. Regular therapy helps you accept the death of a loved one and start a new life. If you’re in Miami-Dade, contact our team; we will be happy to help you connect with the right people. You can also try support groups where grieving people help each other.
We Can Help
Grieving is different for everyone, but remember, you’re not alone. You have all these beautiful people looking out for you. It is challenging at first, but it gets better with time. If you need a companion to share your grief with and support you through this period, our compassionate caregivers can help. Contact us today for more information.
Best Physical Therapies for Seniors in Miami-Dade
Posted by Scott Cantin in Senior Care | 0 comments

We all need to be active to maintain physical function. This is more important as you age, regardless of whether you’re recovering from an illness or injury or participating in a senior rehabilitation program. Physical therapy in seniors helps restore functionality, induce mobility, reduce pain and improve the overall quality of life.
If you’re looking for a professional caregiver in physical therapy in Miami-Dade, Advancare can assist you. Our caregivers are specially trained to care for your emotional, physical, and psychological needs. We will find you a caregiver with your specific needs. You can contact us to learn about our caregivers and how our services can best assist you.
What Does a Physical Therapist Do for Seniors?
Physical therapists are experts in how your body moves. They can help identify and treat movement problems that a senior may have. To do this, PTs offer education, hands-on care, and prescriptions for exercises or activities that you can do at home or with the help of your caregiver or relative.
Your PT will sign a specific treatment plan based on your needs, goals, and challenges. If you have had an injury, your PT may work with you to speed up recovery through movement. This may include assessing your ability to do important activities important to you such as:
- Flexibility,
- Balance
- Posture
- Coordination
- Mobility
- Strength
Common Types of Physical Therapy for Seniors
Physical therapists are trained to provide different types of therapy to help you return to your normal lifestyle. The most common types of physical therapy include:
- Geriatric physical therapy: This therapy has some special emphasis on the needs of the elderly. It helps treat conditions like cancer, osteoporosis, arthritis, balance disorders, and joint replacement. Specialized programs are designed to help reduce pain, increase fitness, and restore mobility.
- Orthopedic physical therapy: This therapy helps treat injuries of the musculoskeletal system. It also allows seniors to recover from orthopedic surgeries.
- Cardiopulmonary physical therapy: If you’ve had a heart attack or have other pulmonary or cardiovascular conditions such as chronic obstructive pulmonary disease, this therapy can help increase functional independence.
- Neurological physical therapy: This therapy focuses on the body and brain. If you have a neurological condition like Parkinson’s disease, Alzheimer’s disease, or ALS, a neurological physical therapist can help you to adapt to mobility, visual, muscle loss, and balance.
Potential Consequences of Seniors Skipping Physical Therapy
- Falls: As you age, your muscles lose strength, which impacts balance and posture, leading to falls. Falls can lead to re-hospitalization if you sustain injuries. Physical therapists are trained to identify the reasons causing you to fall or risk factors. They conduct checkups and run a series of tests to assess your balance and strength. They also check your feet and the shoes you prefer to wear regularly and advise accordingly.
- Reduced Long-Term Strength and Endurance: Physical therapy can influence endurance and strength levels during recovery. Lack of physical therapy can cause increased blood pressure, decreased oxygen saturation, and heart rate leading to blood clots, stroke, or heart attacks.
- Increased Pain: When you don’t get proper physical exercise or fail to move due to pain, your joints will stiffen, causing more pain. There are even higher chances that you’ll take longer to heal when you skip physical therapy.
At Advancare, we care about your physical health. Our caregivers will help you through your journey to restoring mobility, flexibility, and independence. Contact us today to learn more about our services in Miami-Dade and how we can improve your overall quality of life.
The Importance of Regular Eye Exams for Seniors in Miami-Dade
Posted by Scott Cantin in caregiving, Senior Care | 0 comments

As you age, it’s normal to experience changes in your vision. It’s not always obvious what kinds of problems need attention. That’s why you need a regular eye exam that allows your eye doctor to check and ensure you don’t have vision problems that can affect your ability to see or remain active. At Advancare, we recommend getting regular eye exams for seniors in Miami-Dade to ensure any visual changes are detected and treated on time.
Most seniors may complain about losing the ability to see up close, having trouble distinguishing colors, and needing more time to adjust to different light levels. Such problems can easily be corrected using glasses, improved lighting, and contact lenses. This article discusses the importance of eye exams for seniors in Miami-Dade.
Why Older Adults Need Eye Exams
Older adults need eye exams more than any other group of people. The exams aim to detect certain eye conditions and illnesses, such as:
- Cataracts
- Dry eye syndrome
- Age-related macular degeneration
- Glaucoma
- Retinal detachment
- Diabetic retinopathy
How Often Should Seniors Get Eye Exams?
According to a recent CDC report, 93 million U.S. adults are at high risk of vision loss. Yet, only half have visited the eye doctor in the past year. With such data, it’s easy to understand the value of eye care and its life-changing impact in preserving the vision of many people.
Experts recommend seniors above 65 visit an optometrist at least once every two years. The eye exam should include refraction, eye pressure, dilated retinal examination, slit lamp, and visual field. The eye doctor will also test your vision acuity, eye alignment, eye movement, and depth perception.
Ways to Protect Your Vision
There are many things you can do to keep your eyes in good condition. One of these is regular eye exams. Your optometrist can detect and treat problems before they cause permanent vision loss. You can create a list of questions you can ask your doctor, including your medication. It’s important to look after your eyes and immediately report any changes you notice to your eye doctor.
Another great tip for keeping your eyes healthy is eating nutritious foods. Eat green leafy vegetables such as kale and spinach to maintain a healthy weight. Avoid exposing your eyes to direct sunlight or looking directly at the sun. Wear sunglasses with UV-A and UV-B radiation protection. Quit smoking as it increases the risk of developing glaucoma, cataracts, dry eye, and macular degeneration.
Driving at 60
Once you’re past 60, driving a car can become quite difficult. Eye disease and age-related vision changes can affect your driving ability negatively, and you might not know the symptoms. Some of the vision changes include the following:
- Not being able to see road signs clearly
- Difficulty judging distances and speed
- Difficulty seeing objects up close such as road pumps, maps, or the vehicle’s instrument panel
- Changes in color perception
- Loss of side vision
- Problems seeing in low light at night
- Difficulty adjusting to bright sunlight or glare from headlights.
At Advancare, our community services are focused on your overall wellness. Our caregivers work with you to ensure you live a productive and fulfilled life. To learn more about our senior home care services, feel free to contact us today!
Why Do Financial Scammers Target Seniors in Miami-Dade?
Posted by Scott Cantin in Senior Care | 0 comments

Financial scammers targeting seniors are on the rise. According to the FBI’s latest Internet Crime Report, American seniors above 60 lost about 41.7 billion to fraud last year. This is the highest amount of loss recorded of any age group. Most seniors who live alone can easily become targets as they are less tech-savvy and more trusting. Scammers use various ways to manipulate seniors to gain access to their bank accounts. That’s why Advancare recommends hiring a caregiver to help with bill-paying and other financial needs. Our professional caregivers can detect scammers and report them, shielding you from financial losses. In this article, we will discuss various scams targeting seniors and what to do if you’ve been a victim.
Financial Scams Targeting Older Adults
Common financial scams targeting older adults include:
The grandparent scam
This scam involves tricking a senior into thinking that it’s their grandchild calling and requesting money to fix an issue they have, such as overdue rent.
Tech support scams
This scam involves hackers preying on your devices, sending a blank screen on the computer or phone, and telling you that your device is damaged and needs fixing. When they call support, the scammer either requests access to the computer or demands to be paid a fee to get it repaired.
Sweepstakes
This is the most common scam that happens to almost everyone. The scam involves the scammer calling you to inform you that you’ve won a lottery, and to claim your winnings; you must send money upfront to cover taxes and processing fees.
Government impersonation scams
In this scam, someone will call you impersonating an employee from the Internal Revenue Service (IRS), Medicare, or social security. They tell you that you have unpaid taxes and threaten to deport or arrest you if you don’t pay up immediately.
Why Do Financial Scammers Target Seniors?
Scammers target seniors for several reasons. They include the following:
- Seniors are known to be friendly and trusting of others, especially when someone appears to be looking out for them.
- The majority of them have cognitive or physical impairments and conditions that may hinder proper judgment.
- Seniors have significant savings and valuable possessions, which makes them a lucrative target.
- Some seniors don’t report such scams out of fear of losing their independence or being seen as incompetent.
- Seniors are not tech-savvy and may not detect unusual activity on their accounts online.
What To Do To Avoid Being a Victim of a Scam
The first step to protect yourself from scammers is to know their approach. That means researching the common financial scams targeting older adults and anticipating what a scammer would say when they want to steal from you. It’s also important to remember never to share personal information with strangers. You can talk to your children or close relatives about common scams. Avoid trusting strangers, especially when conversations shift to money. Lastly, report any fraudulent or unusual activity around your finances to your bank and file a report with the police if you become a victim of a scam.
Now that you know some of the most common scams, why not take steps to stay safe? Our caregivers at Advancare can help you manage your finances and educate you on avoiding scams. Our comprehensive senior home care services allow you to live a stress-free, comfortable, healthy, and happy life. Contact us today for a consultation.
How Does Lack of Sleep Affect the Elderly in Miami-Dade
Posted by Scott Cantin in Alzheimer's Disease, home care, Senior Care | 0 comments

Sleep is an important mechanism that helps you restore energy and heal cognitive and physical damage. It’s more critical in seniors as the quality of sleep gradually deteriorates. Some conditions, such as diabetes, osteoporosis, asthma, and Alzheimer’s disease, can have a negative impact on sleep.
As a caregiver in Miami-Dade, it’s your responsibility to help your seniors improve their quality of sleep in their later years. At Advancare, we recommend a regular sleeping pattern for seniors that lasts between seven and nine hours every night. Our experienced caregivers help provide senior home care services that help boost your senior’s overall health and comfort.
Why is Sleep So Important?
Sleep is an integral part of life that allows your body to rest, recharge, and restore energy. Sleep keeps you healthier, alert, focused, stronger, and happier while helping your body repair damaged organs and cells. Lack of sleep, on the other hand, can lead to depression, memory problems, and increased pain sensitivity.
That’s why seniors need to have a regular sleeping pattern that helps ensure they’re well-rested. By encouraging your loved one to have a regular sleeping schedule, you will be helping them achieve the following:
- Reduced medication usage
- Increase alertness during waking hours
- Improved cardiovascular health
- Regulated appetite
- Enhanced memory and attention
- Reduced risk of falling
- Happier and more engaged lifestyle
- Reduced depression symptoms
- Reduced stress and anxiety
Common Reasons for Poor Sleep in Older People
There are many reasons why your senior loved one may struggle to fall asleep or sleep longer hours. Apart from medical conditions, seniors may struggle to sleep due to the following:
- Effects of medication
- Sleeping too much during the day
- Cognitive impairment
- Too much light and other distractions
- Drinking or eating certain foods before bedtime
- Not being physically active throughout the day
How To Promote Good Sleep for Older People
Disrupted sleep in older adults causes them to spend longer in bed, sleeping at intervals throughout the day to catch up. These short intervals may not provide the full benefits that sleep offers, such as boosting the immune system and aiding memory. That’s why you may want to help your senior loved one sleep better.
You can start by visiting a health professional to review the causes of disrupted sleep. You can enquire about tangible steps to improve your loved one’s sleeping habits and improve the quality of their sleep. Here are tips you can utilize to help promote good sleep in an older person.
- Use the bedroom for sleeping only: Create a conducive atmosphere that promotes sleep. Choose paint colors and lights that help you fall asleep faster. Avoid doing other activities other than sleeping in your bedroom.
- Have a ritual for relaxing before bed: Decide what you should do before bed, such as reading a book, taking a warm shower, or engaging in a few exercises. This helps prepare your brain to know that it’s time for bed.
- Find ways of falling asleep: Reading a book and listening to music are all great ways of falling asleep. Find what works for you and implement it.
- Engage in daily activities that keep you active and nourished: These could be simple activities like reading books, painting, baking, cooking, or even playing games with other seniors or friends.
We Can Help
Not sure how to go about helping your senior loved one sleep better? Our team at Advancare is here to help. We offer high-quality services through our caregivers, from light housekeeping, errand running, medication management, and much more. Contact us today to learn more.
Simple Steps to Prevent Elderly Falls in Miami-Dade
Posted by Scott Cantin in elderly care, Senior Care | 0 comments

Elderly falls are a massive threat to the safety, health, and independence of senior adults. Despite this huge risk, older adults above 65 are more susceptible to falls than any other age group. Medication, weak muscles, and poor balance and posture are the primary causes of falls in seniors. Sometimes, hazards like loose rugs, clutter, and poor lighting lead to falls. If you’re worried about your senior adult falling and getting injured or worsening an existing condition, you can trust our caregivers at Advancare to give your loved one the support and care they need to walk safely around the house.
Conditions That Make You More Likely to Fall
Researchers have found that several conditions contribute to falling. We call them risk factors. You can adjust most of these factors to prevent falls. The more risk factors, the more frequent the falls. For instance, a senior is likely to fall if the lights are dim and they trip on a rug. Some of the physical contributing conditions include:
- Lower body weakness
- Foot pain or uncomfortable footwear
- Vitamin D deficiency
- Vision problems
- Difficulties in posture and balance cause pain when walking.
What Can Happen After a Fall?
Most falls don’t cause injuries. However, according to the CDC, one out of five falls causes serious injuries such as head injury or broken bone. These injuries can make it difficult for seniors to get around and engage in other daily activities. Serious falls lead to broken bones, hip fractures, and arm, wrist, and ankle injuries.
In severe cases, a senior may suffer significant injuries, such as head injuries, especially if they are taking medicine. An older person who falls and hits their head should see a doctor immediately to rule out a brain injury. Most seniors who fall don’t report this to their doctor. They also become afraid of falling. As a result, they may avoid engaging in their everyday activities, which causes them to become even weaker, increasing their chances of falling down.
Things You Can Do to Prevent Falls
Fortunately, falls are preventable. There are several things you can do to protect your loved one from falling down. These include:
- Talking to your doctor: Take your loved one to see a doctor to assess their risk of falling. In this meeting, ask about specific things your senior can do to avoid falling down. The doctor will also assess their medication to ensure none contributes to falls.
- See an optician: Regular eye checkups can determine if a person needs glasses to see better or not.
- Wear non-slip shoes: As you grow older, the ground feels smoother every day, and it’s easy to trip and fall if you lack proper balance. Always wear comfortable non-slip sandals or shoes when working around your home to prevent slips.
- Remove home hazards: Get rid of all items you feel can cause falls, such as small rugs and boxes in the middle of the stairs. Areas that are considered blind spots should be left empty, especially on the floors.
- Use assistive devices: Assistive devices such as handles and rails help prevent falls by providing support in the bathroom and other areas like stairs.
Need Help Preventing Elderly Falls in Miami-Dade?
While there are so many ways you can help prevent falls around seniors, the best thing you can give them is someone to help them during their senior years. Our compassionate, caring, respectful and professional caregivers can help provide the care your senior needs to live a comfortable, happy and healthy life. Contact us today for more information.
Things Older Adults Must Know About Debt in Miami-Dade
Posted by Scott Cantin in Senior Care | 0 comments

Most senior adults rely on their retirement funds as their primary source of income. They don’t have enough wiggle room to save much and live a comfortable life. After paying essential bills and debts, they hardly have enough to do other things like vacations, and this amount continues to shrink each passing year. So, if you’re looking after an older adult with a severe debt burden on their shoulders, you may want to take a big step to help them manage their debts without harming their finances.
This will lower their worry and sleepless nights. If you need a caregiver to help your loved one with bill-paying in Miami-Dade, Advancare can help you with that. Our caregivers are specially trained to handle various duties, including bill-paying, medical payments, palliative care, and many more.
Strategies to Help You Get Your Credit Card Debt Under Control
Managing your credit card debt is critical to financial security. However, not many seniors can make ends meet without putting daily expenses on debt. Older adults with fixed incomes may experience difficulty paying down balances, making credit card debt a significant stressor. Here are a few strategies that may provide debt solutions for older adults in Miami-Dade:
- Contact your credit card company.
- Understand the two ways to pay off credit card debt
- Consider a debt management plan
- Participate in credit counseling
- Learn more about debt reduction
Budgeting Tips for Seniors
Florida has had a reputation for being one of the most budget-friendly states to live in. However, this is quickly changing as the cost of housing is ever going upward. According to Florida Realtors Data, Miami is currently labeled the least affordable city to live in. That means seniors must adopt proper budgeting strategies to avoid debts and live comfortably and independently. Here are a few to guide you.
Set Goals
Start by setting goals based on the amount of money you have. You can create a list of your expenses and determine the amount you’re left with upon paying the bills. If you don’t have enough to settle your debts, consider consolidating them into one big debt. Payday loan consolidations also allow you to pay your debts systematically while minimizing interest.
Get Rid of Coverages and Policies You No Longer Need
By now, you don’t have children in college, and you no longer drive your car. You can always get one of your children or a taxi to get you around when you need to move, which is much safer than driving. Instead, you should prioritize coverages that helps you reduce expenses, such as supplemental health insurance, life insurance, and prescription drug coverage.
Prioritize Your Debts
Create a list of your debts from the most important to the least important, and create a debt repayment strategy that will work for you based on your finances. If you have a vehicle and no longer drive, instead of paying for its insurance and loan every year, why not sell it and pay it off in full? Figuring out what strategy fits your financial needs helps keep you motivated to pay off your debts one by one.
Trim Your Expenses
Find ways to repay your debt faster by reviewing your monthly expenses. You can also make extra income by doing things you love, such as teaching your neighbors how to care for their gardens. Baking muffins and selling or sewing clothes and selling them can help you generate extra income to offset your debts.
Contact Advancare today to learn more about debt management and other ways of managing your finances in your senior years.