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SENIOR LADY LIFESTYLE POINTS, PART 3

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  Some people may think life is simple and care-free, if you are  a retired Senior Citizen.  This is not true.  I have a lot  of things that must manage daily. I must  do  household chores, keep my yard clean, grocery  shop,  do gardening and manage my money.   Today, I am still discussing finances. I am sharing steps I take to make banking easier.  BANKS FOR SENIORS: *   OFFERS FREE/LOW FEE CHECKING ACCOUNTS *   WAIVES SOME MONTHLY FFES *   MAILS MONTHLY BANK STATEMENTS ( SOME SENIORS DON'T HAVE COMPUTER OR INTERNET) *   LOWER ACCOUNT BALANCE REQUIRED *   LOWER INTEREST RATES/ FINANCE CHARGES ON  PERSONAL LOANS *   DON'T CHARGE RE-ENTRY FEE WITH OVERDRAFT FEE * OFFER OVERDRAFT PROTECTION ACCOUNT *   CHECK OUT CREDIT UNION IF YOUR BANK'S FEES ARE EXCESSIVE!  (Some accept non-government/ non-military employees) *   FREE ATMS/ DRIVE THRU ATMS *   NO ANNUAL FEE/  0% INTEREST RATE  ON  CREDIT CARDS *   OFFER BILL PAY/REWARDS PROGRAM NOTE: More discount service may be offered;  

SENIOR LADY LIFESTYLE POINTS: PART 2

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  PROVERBS 4:7 WISDOM IS THE PRINCIPAL THING, THEREFORE, GET WISDOM,  AND IN ALL YOUR GETTING, GET UNDERSTANDING. I didn't fully understand the impact retirement  would have on my life. Then add in being a widow  and an  empty nester  too. It took me a year to  balance my  dwindling income and my new budget.   Now I  understand the T.V. ads showing Seniors saying, " I'm on a fixed income! I was eligible for retirement before age  60.  I am enjoying my retirement, but  handling the  financial matters are  challenging.  I was living on Widow's  Benefits  before  age 65. I was a expert  penny pincher!  I was advised that  I would get a  large  increase in my benefit check, if I waited until age 65 before switching to Social Security benefits based on my earnings.  It  was tough, but I waited. I'm  better  off financially, but I still  have a tight  budget.  I include  day trips and  eating out with friends,  in my  budget. Today, I want to share the tips I learned   a

SENIOR LADY: LIFESTYLE POINTS!

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    "With the ancient (Seniors) is wisdom; and in length of days understanding."  Job 12:12  My mother is still a hard worker in spite of her  being 92 years old. She still has more energy  than me some days. I always admired how  she gets so much work done in a short length  of time. She said that she tries to find the smartest and quickest method when getting  her chores done. I trusted her advice on handling marriage, parenting,  and lifestyle problems. I have learned some valuable lessons also that helped me handle stressful situations she never had to encounter. My goal in 2024 is to share tips and tricks that have helped me handle the stress of being a widow, empty- nester, and retiree!!  The following subjects will be  discussed: Financial Matters Dealing with Technology Retirement Pros & Cons Health & Aging My next blog will cover the following  financial matters: Managing cost of living  \Wise banking Avoiding being scammed  

HOLIDAY GREETING!

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  MAY YOUR DAY  BE FILLED WITH  SWEET THOUGHTS  &  SWEET THINGS! HAPPY VALENTINE'S DAY!

SENIOR LADY: SUPER BOWL SNACKS TRY-OUTS!

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  I have never been a sports fanatic. I did enjoy basketball  during my college days.  My husband and one of my sons  enjoy watching football and basketball games on T.V. I must prepare myself for a lot of noise during the game. on Super  Bowl Sunday.  They yell and jump around all night. I do watch the half- time festivities  with  them.  I treat the guys to finger foods and appetizers on Super Bowl Sunday. It's my way of getting out of preparing Sunday's full course meals. I try to add a few new appetizers each  year.  This year I'm trying Rotel Dip and Bacon Wrapped  Hot Dogs. BACON WRAPPED HOT DOGS: * I used half of recipe  Need: 1 Pound bacon 1 Pound beef hot dogs Brown sugar, to taste Cayenne pepper ( optional) Toothpicks DIRECTIONS: Cut hot dogs into thirds. Remove 8 or 9 strips of bacon from package. Cut each strip of bacon into  three pieces (I used kitchen shears). Wrap each hot dog with a piece of bacon.  Secure them with toothpicks. Repeat process until all the

SENIOR LADY: SPECIAL VALENTINE'S DAY! PART #2

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  Most people who have loved ones find Valentine's Day a challenge.  They want to find a unique gift  to  show a lot  of time was spent  choosing the perfect  gift(s). This  can demonstrate how much  they love  that special someone. I love to indulge in aromatherapy using  diffuser oils, incense and candles.   Especially,  on Valentine's Day. Romantic  smells in  the room causes me to feel elated  and happy. I have to be careful when purchasing items for aromatherapy.  Some scents  and smells  gives  me a migraine or  an allergic reaction.  I must test  unfamiliar smells  or scents  before  I commit to purchasing a lot of incense, diffuser oils, and  candles. The stores I shopped at had displays of  oils  and  candles labeled. "Romantic." Here are some of the romantic scented  candles and oils  that I purchased for  Valentine's Day: Candle Wax Melts: Luminessse brand: Lilac Room & Lavender Fields Magic Spell brand: Fall In Love Better Home & Gardens brand:

SENIOR LADY: SPECIAL VALENTINE'S DAY!

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Most people who have loved ones find Valentine's Day a challenge.  They want to find a unique gift  to  show a lot  of time was spent  choosing the perfect  gift(s). This  can demonstrate how much  they love  that special someone. My girlfriends and I are widows.  We haven't  found  that special someone yet.  We are in no  rush to locate  "HIM".  This situation doesn't  keep us from celebrating Valentine's Day.  We  meet for lunch and drink coffee or  wine.  We eat our favorite  meal and feast  on our favorite chocolate desserts.  They  love to wear red when we meet for lunch.  I love  to wear purple t-shirts with hearts  or  the word "love" displayed  on it.  I make a Valentine's Wreath each year.  Last year  I  challenged myself  to use purple  and red colors  on  my wreath. Here is the  wreath I created: I am still trying to come up with a wreath design for  this year.  Hopefully, I'll e ready to post my creation  before February arrives.