Savvy Saving Seniors Becoming Resource-FULL WELCOME! Organization/Event Name

Savvy Saving Seniors Becoming Resource-FULL WELCOME! Organization/Event Name

Savvy Saving Seniors Becoming Resource-FULL WELCOME! Organization/Event Name Date Savvy Saving Seniors Becoming Resource-FULL Todays Objectives Top 10 Things All Seniors Should Consider Become a Savvy Saving Senior: Money Management Tips & Tricks

Top Budget Busters to Avoid Money Drains Becoming Resource-FULL: Benefitting from Benefits Savvy Saving Seniors Becoming Resource-FULL Dollar, Dollar Bills Yall Savvy Saving Seniors Becoming Resource-FULL Top 10 Things All Seniors Should Consider Current expenses Health insurance

Prescription drugs Property taxes Phones Volunteering Using your home to stay at home Senior discounts Estate planning More help: www.BenefitsCheckUp.org Eldercare Locator 1-800-677-1116

Savvy Saving Seniors Becoming Resource-FULL Money Management Tips & Tricks Learn how to create a budget with a peace of mind emergency savings goal Understand how to budget, so you can keep control of your finances Savvy Saving Seniors Becoming Resource-FULL Tips for Budgeting

Reconcile your bank statement each month Use a spending diary Keep receipts Set up automatic bill payment for fixed expenses Set aside an amount each month for savings Think ahead for any future expenses you can predict, such as birthdays and holidays

Savvy Saving Seniors Becoming Resource-FULL Meet Ms. B. Income Training stipend from SCSEP Public benefits - SNAP Social Security Total Income $580 $35 $650 $1,265

Fixed Expenses Rent/mortgage Car insurance Medical insurance premiums Credit card payments Flexible Expenses Electricity Pet food Food Transportation/gas Personal expenses Charity/donations Savings

Total Expenses $700 $50 $165 $75 $65 $25 $85 $35 $25 $25 $15 $1,265

Savvy Saving Seniors Becoming Resource-FULL Financial Goal Setting Start today to plan your financial goals Begin by putting them down on paper List your short-term and long-term goals Short-term: Pay off credit card debt in 2-3 years Long-term: Add $10 per month to an emergency savings account Savvy Saving Seniors

Becoming Resource-FULL Financial Goal Action Plan Describe goals in detail, starting with the highest priority Keep a spending diary Identify financial resources needed to achieve goals Set a deadline for achieving your goal Savvy Saving Seniors Becoming Resource-FULL Benefits of Banking

Using a bank account doesnt just protect your money it saves you money. Safety Interest Convenience online banking Credit building Savvy Saving Seniors Becoming Resource-FULL Avoiding Money Drains A payday loan may look like a credit option when youre short on cash, but it can drain your limited income to less than before.

Avoid payday loans. Budget realistically and save for extra expenses. Contact lenders or creditors if you know you'll have trouble paying a bill. Often you can work out alternate payment plans. Shop for a low-cost loan or a credit card cash advance. Find a nonprofit credit counseling agency: National Foundation for Credit Counseling www.nfcc.org or 1-800-388-2227 Savvy Saving Seniors Becoming Resource-FULL Top Budget Busters to Avoid 1.

2. 3. 4. 5. 6. 7. 8. 9. ATM/bank fees Misusing balance transfers Retail store credit cards Late payments Procrastinating on creating an emergency fund

Handouts Financial scams Poor credit rating www.AnnualCreditReport.com Fast food Whats your tip? Savvy Saving Seniors Becoming Resource-FULL Benefitting from Benefits

Savvy Saving Seniors Becoming Resource-FULL You Are Not Alone! See if you qualify at www.BenefitsCheckUp.org 14 Savvy Saving Seniors Becoming Resource-FULL Where can I find programs near meand how do I apply? Online:

www.BenefitsCheckUp.org www.ElderCare.gov Phone: Eldercare Locator: 1-800-677-1116 Your city or countys Department of Aging Services Savvy Saving Seniors Becoming Resource-FULL I Have Benefits, Now What? Stay informed! Review your local community directory of programs for seniors. Visit www.MyMedicareMatters.org to learn how to make the most of you Medicare benefits.

Talk to your local Aging and Disability Resource Center (ADRC) for the latest information on your benefits. Savvy Saving Seniors Becoming Resource-FULL QUESTIONS ? Savvy Saving Seniors Becoming Resource-FULL For More Information Company

Contact Name Address Line Phone Fax Email Web address here

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