I use a budget (software I wrote for myself) and I'm debt free. I live within my means and don't use credit cards or have car payments. It's liberating!
NO, with all the info out there about scams, it is inexcusable for anyone savvy to be taken in by such. However, seniors are particularly vulnerable, and family should assist them in avoiding scams. I had to take away my mother's phone when she entered assisted living and later memory care.
Social Security doesn't go very far.
ReplyI make enough but rental rates are abusive & drain our checks
ReplyStarting to improve my finances, though, so maybe not for much longer.
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