Source: ezinearticles.com
As a retiree, I am quite anxious about the current economic crisis. I keep wondering if I will survive this recession. No doubt, those of you who are in the same boat are experiencing just as much angst as I.
Retirement is supposed to be a time, last minute air deals, of tranquility; a time when we can enjoy each moment doing whatever it is that makes us happy. At least, that is the way it should be.
For those of you who have found an ideal place to retire, the economic crisis may have reduced your savings significantly. Perhaps you have found the need to reassess your budget and realized that major changes need to be made. You are not alone.
Although some economists have estimated that this recession may last more than a year, there are things we can do to eliminate some of the financial worry.
Here are 10 suggestions:
1. If you currently have outstanding credit card debt, call the banks and ask to have your interest lowered. Cut up all credit cards and just keep one for emergencies.
2. Call the telephone company and discuss each item on your bill. Eliminate those items you really don't need such as call waiting, caller ID, etc
3. If you have cable TV, do some research to find the lowest possible cost to bundle TV, internet, and telephone service.
4. An energy efficient home can save you quite a bit of money. Unplug any appliance not in use; shut down the computer instead of keeping it in sleep mode; purchase energy efficient bulbs; keep your thermostat at the recommended temperature during the day and night; clean air conditioner filters; wash a full load of clothes using cold water; time spend in the shower should be limited to five minutes; when you leave a room in your home, turn off the lights.
5. Grow your own vegetables and herbs. This can save you quite a bit of money in the long run. If you do not have a garden, buy produce at farmer's markets.
6. Instead of purchasing books, check out Swaptree.com online. Here you can join and swap books, CDs, and DVDs - all for the price of shipping. Membership is free.
7. Dining out regularly can cost dearly. Buy groceries in bulk and select one day to prepare meals for several weeks at a time.
8. Utilize online coupons, newspaper and in-store circulars for supermarket shopping.
9. Cancel all magazine subscriptions and newspaper deliveries.
10. Visit consignment shops and thrift stores for clothing purchases.
Whatever we can do before our new President implements legislation will serve to help alleviate some of the financial pressures we are experiencing at the moment.
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