Q: Like most seniors, we're trying to adjust to a recent stream of increases in the cost of basic necessities. Cereal boxes may be large, but there is very little food inside. Where I live, a tax increase has led to gas prices being higher. We're paying more for utilities because of changes in the pricing tiers. Do you have tips about how to keep expenses down?
A: There are several ways to cut some of the fat from your current budget. To start off, write down your expenditures on a piece of paper and compare it with your income. Below are some ideas to help you.
Make a grocery list before heading to the market, and stick to it once you're there.
Clip coupons only for necessities (i.e., if you wouldn't buy it if you didn't have a coupon, don't buy it).
Ask about discounts. Many retailers are AARP members, have warehouse club cards or are affiliated with an auto club. You may be lucky and qualify for a reduced price.
When shopping for an item, have a set price in mind. Never exceed that price. If you need or want an item that costs $10 or less, ask yourself if it's worth the cost in time and gasoline.
Plan and group your errands to maximize your gas usage.
Check out the library for entertainment options: They have books and free or low-cost movie rentals. If you really want to see a new movie in theaters, check out matinee shows to save money.
Depending on your phone usage, a cellphone with prepaid minutes may cost less and make more sense for you than a contract.
Ask your doctor if it's possible to switch your prescriptions from name brands to generic drugs.
Revisit your insurance policies, extended warranties and bank and ATM fees.
Look into renegotiating your home loan to reduce your payments. Ask yourself if you'd like to consider renting out a room.
An estate sale could help you clear out some of your home, while giving you a little padding in your pocketbook.
The single best way to save is to plan ahead. Always think about your options and focus on being positive. Changing your lifestyle can be difficult, but it will eliminate a lot of your stress. — Doug
GRANDSON KEEPS CANCELING
Q: I've been blessed to be able to spend more time with my grandson ever since he moved back home a few years ago. He is a wonderful boy, and I enjoy seeing him grow up. Recently, he started dating again — so I'm not able to see him very often.
Now, he frequently cancels or changes our plans. The constant last-minute changes get on my nerves, but I don't know how to bring it up.
What's the best fix?
A: To avoid butting heads, think about the source of the problem.
Although your grandson is the one changing plans, it's possible that both of you are playing a part.
Since your grandson has less free time, maybe you can accommodate his schedule. Can you be more flexible? Can you adjust your expectations?
Consider a couple of questions: How often do you make plans? Is your own schedule rigid? What time constraints do the two of you have, and how can you work around them?
The best way to address an issue is to talk about it. Your grandson may not realize how his behavior is impacting you.
It can be hard to bring up a dispute, but it's usually worthwhile. If you do talk, make sure to listen to his side and be patient.
Most of all, whenever you're irritated, remind yourself that you're happy to have him in your life! He is entering a new phase in his life, and he may need some room to grow. — Emma
Doug Mayberry makes the most of life in a Southern California retirement community. Contact him at deardoug@msn.com. Emma, Doug's granddaughter, helps write this column. To find out more about Doug Mayberry and read features by other Creators Syndicate writers and cartoonists visit the Creators Syndicate website at www.creators.com.
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