Lifestyle
Easy Ideas to Stretch Your Retirement Budget: Ways seniors can save on enjoyable activities
Last Updated on November 12, 2024 by Daily News Staff
(Family Features) Retirement may mean you have unlimited time to enjoy each day, but it doesn’t mean you have a budget to match.
You probably already know staying active is essential for aging with grace, so instead of letting limited funds keep you at home, explore some ways you can enjoy your leisure time without breaking the bank.
Hit the Gym
Many fitness centers offer special rates and programs for older adults. Hitting the track or joining a group fitness class are easy ways to socialize while getting some exercise. The discounted membership is also an investment since staying fit is important for physical and mental health.
Enjoy Early Dinner Deals
You can still enjoy dining out occasionally, especially if you take advantage of lower-cost meals designed with older adults in mind. Many specials are for meals earlier in the day, which is consistent with a growing trend toward earlier dining. According to Yelp, the number of people eating from 4-6 p.m. has grown 9% (up to 26% from 17% in 2019). Eating earlier promotes better digestion, and earlier meals are often lighter portions for smaller appetites. For example, Cracker Barrel’s Early Dinner Deals feature smaller portions served from 4-6 p.m. on weekdays. Menu items include a variety of homestyle favorites like chicken n’ dumplins, meatloaf, catfish and more.
Check Out the Library
Your local library is filled with hours of free entertainment, but it’s not just the kind you’ll find from getting a library card. You can undoubtedly find a book that covers any genre or interest you can name, but most local libraries also offer programming tailored to special interests and the sessions are typically offered for free or at a low cost. It’s an easy, affordable way to pick up a new skill, meet a favorite author, learn about a topic that intrigues you and more. Other resources to explore include your library’s DVD collection and internet access if you don’t have a computer at home.
Nurture a Garden
Tending a garden may seem like a seasonal activity, but you can make it a year-round hobby. Researching and planning is a good way to carry your gardening enthusiasm into the cooler months and you can start seedlings indoors to extend your growing season. While you’re digging into this low-cost pastime, remember the results of your efforts, such as fresh fruits and veggies, can help cut your grocery costs, too.
Mind Your Money with DIY
Saving money at the grocery store is just one way you can make DIY projects work for you. There are dozens of other examples of ways you can put your skills and interests to use by passing time doing something you enjoy while benefiting your bank account. If you like to tinker with cars, figure out what repairs you can handle yourself and avoid hefty service fees. Crafting and sewing might mean you have ready-made gifts for special occasions and a way to repair or repurpose damaged clothing instead of discarding it.
Ask About Discounts
You may be surprised by how many places offer discounts for older adults that they don’t readily advertise. In some cases, you’ll find the information on their website or signage, but other times, you may find it easier to just ask. When you’re booking an appointment or checking out, inquire about discounts for older adults, including any restrictions, age requirements, the amount of the discount and other pertinent details. Sometimes the discounts are offered on certain days or for specific services, or they may require you to join a loyalty club to access the discounts. When dining out, many restaurants offer a variety of loyalty perks. Rewards members at Cracker Barrel can earn points, or “Pegs,” on qualifying restaurant and retail purchases. Members can also take advantage of bonus birthday, anniversary and surprise rewards throughout the year.
To find a location near you, visit crackerbarrel.com/locations.
Photo courtesy of Shutterstock (Couple gardening)
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Cracker Barrel
(Feature Impact) Menopause is a phase of life every woman knows will come eventually yet few are truly prepared for. Beyond stereotypical symptoms like hot flashes and mood swings, the other realities of menopause can be mysterious, taking women by surprise when their experiences differ from expectations.
Rather than being a single event, menopause involves a gradual transition that happens as estrogen production changes – meaning symptoms can appear and evolve unpredictably. According to a survey commissioned by the National Menopause Foundation, 63% of U.S. women ages 35-54 experienced symptoms they believed may be related to perimenopause or menopause, yet nearly half (49%) said they weren’t prepared for the changes beforehand.
When women and their loved ones understand what they’re facing, they can approach this time with patience and compassion, which can make a real difference to the 71% of women who wished the people in their lives understood more about perimenopause or menopause. Consider these five facts to help fill in the menopause knowledge gap.
Perimenopause Can Start Years Before Menopause
The physiological transition to menopause can happen up to 10 years before a woman’s final menstrual period, although the average length of perimenopause is about four years. Symptoms may quietly begin in a woman’s 30s, 40s or 50s, and what might look like an isolated problem at first – like brain fog, a night of insomnia or an irregular monthly cycle – could be connected to broader hormonal changes.
Menopause Is More Than Just “Hot Flashes”
Since more than half of women surveyed were already aware of menopause symptoms like hot flashes, mood changes, anxiety and fatigue, these may not take them by surprise. Little-known symptoms are a different story – the majority of respondents didn’t anticipate menopausal issues like rage, inner-ear itching or reduced joint mobility. According to the National Menopause Foundation, women may also experience sleep disturbances, sweating, changes in libido, vaginal dryness, incontinence, weight changes and more.
Every woman’s experience is unique, so these symptoms could present in different combinations and intensities during menopausal years or may not appear at all.
Talking About Menopause Can Be Difficult
Even as women go through these physical and emotional shifts, many struggle to open up about their experiences. In fact, women rank menopause symptoms (17%) more difficult to discuss than hot-button topics like political views (13%), weight (13%) and religious beliefs (10%).
However, suffering in silence can lead to feelings of isolation, relationship misunderstandings and hesitation to seek help, which is why 66% of women said the lack of open discussion about menopause makes the experience worse.
Menopause Isn’t All Bad News
Although this season of life comes with challenges, there are joys to embrace as well. Women navigating midlife can come out the other side with more resilience, emotional awareness and a stronger sense of self. In fact, 44% of women surveyed said their outlook on life became more positive since their transition.
What Loved Ones Can Actually Do
Menopause is a highly individual experience, but that doesn’t mean women have to navigate it alone. Support from partners, families and friends can lift women up during difficult moments, and it can be as simple as taking the time to ask questions, listen and learn about how menopause is affecting their lives. With 30% of women in the U.S. labor force – approximately 15-16 million – in the age range corresponding to menopausal transition (ages 45-60), workplaces can also take steps to become more menopause friendly.
For more resources to help understand symptoms and discuss the transition with loved ones, visit nationalmenopausefoundation.org.
Photo courtesy of Shutterstock
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home gardening
Beyond the Leaf Pile: 4 Tips for Autumn Lawn Care
4 Tips for Autumn Lawn Care: Many people associate fall yardwork with raking up the crispy, colorful leaves that have drifted down from surrounding trees. Don’t let that be the only task on your outdoor agenda, however, because this season is also an opportunity to improve the overall health of your lawn so it’s ready to thrive once spring arrives.
Beyond the Leaf Pile: 4 Tips for Autumn Lawn Care
(Feature Impact) Many people associate fall yardwork with raking up the crispy, colorful leaves that have drifted down from surrounding trees. Don’t let that be the only task on your outdoor agenda, however, because this season is also an opportunity to improve the overall health of your lawn so it’s ready to thrive once spring arrives.
Start with these autumn lawn care tips:
- Continue Mowing
As long as the grass keeps growing, homeowners should keep mowing – with a couple of smart seasonal adjustments. First, lower the mower height for your final two cuts so the grass isn’t too tall going into winter. Second, instead of raking all the leaves up beforehand, think about leaving a layer on the lawn so the mower can shred them and effectively turn them into mulch, returning their nutrients to the soil.
- Fertilize the Lawn
Especially if you grow cool-weather grass varieties like rye or fescue, feeding your lawn can actually be most effective in the fall. Fertilizer helps nourish the roots of your grass, strengthening it through the winter and preparing it to grow lush and green in the spring and summer. Aim to feed it once in the beginning of the season then again 6-8 weeks later or according to the recommended schedule for your region.
- Battle Stubborn Weeds
If you’ve been dealing with perennial weeds throughout the summer, fall could mean your chance to get rid of them once and for all. Weeds absorb herbicides readily on days with moderate temperatures and moist soil, so this task might be well-timed after some autumn rain has fallen.
- Add Grass Seed to Thin Spots
Whether you have bare patches on your lawn or areas of thinning grass, fall is the best time to seed cool-season lawns. (Skip this tip if you live in the South and have a warm-season lawn.) At least six weeks before the first hard frost in your area, spread grass seed over the areas you want to replenish or thicken then keep the lawn consistently watered until it germinates. Aerating the soil first can help the seed take root.
Find more seasonal home and garden tips by visiting eLivingtoday.com.
Photo courtesy of Unsplash
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Lifestyle
7 Fire Prevention Tips to Protect Your Home and Community
7 Fire Prevention Tips: Fires can be devastating, but many of them are preventable with simple precautions and smart everyday choices. Consider these tips to reduce the risk of fires and keep your household, family and community safe.
7 Fire Prevention Tips to Protect Your Home and Community
(Feature Impact) In observance of National Fire Prevention Month, it’s a good time to review your fire safety habits at home and in your neighborhood. Fires can be devastating, but many of them are preventable with simple precautions and smart everyday choices.
Consider these tips to reduce the risk of fires and keep your household, family and community safe.
Test Your Smoke Alarms
Smoke detectors are one of the simplest yet most important tools for protecting your home, loudly alerting you to potential danger at any time of the day or night. Test them monthly, follow manufacturer’s instructions for replacement and change batteries as needed.
Heat Your Home Safely
Depending on how you heat your home, there can be different hazards to remain aware of. Never leave fireplaces unattended when in use and have them inspected and maintained as recommended by a trained professional. If you use portable heaters, keep them at least three feet away from curtains, bedding, furniture and other flammable materials.
Prevent Electrical Fires
Frayed cords, damaged outlets or overloaded appliances can pose real danger to your home when they overheat or spark. Particularly if you live in an older home or have outdated appliances, keep an eye out for warning signs like tripped circuit breakers, malfunctioning devices or the smell of burning. If you’re concerned, have your system inspected by a qualified electrician.
Store Flammable Objects Carefully
Keeping matches and lighters out of reach of children is always a smart first step for household fire safety. Also follow safe storage practices for items like lighter fluid, propane, aerosol cans and other household products that could potentially ignite when exposed to heat or a stray spark.
Practice Smart Kitchen and Grill Habits
From sparks flying off the grill to hot oil forgotten in the frying pan, cooking is the leading cause of household fires. Stay attentive in the kitchen, never leave cooking food unattended and avoid setting combustible materials like paper plates or fabric towels too close to a stove or grill. Also keep your appliances cleaned and well-maintained.
Plan Your Escape Route
Fires can spread quickly, which is why it’s important for everyone in your household to know the plan (and backup plan) for safely exiting different areas of the house during an emergency. Decide on a specific meeting place outside and practice quick fire drills together to build muscle memory.
Observe Local Fire Safety Rules
Where you live determines what kinds of fire risks affect your community, so make sure you stay informed about local regulations. For instance, areas prone to drought or wildfire may have rules about outdoor burning, and local fire prevention ordinances may outline specific requirements for smoke alarms in your home.
Find more home safety tips at eLivingtoday.com.
Photo courtesy of Shutterstock
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eLivingtoday.com
