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Celebrating National Senior Citizen’s Day 2016

If you are a senior citizen, take time this weekend to celebrate National Senior Citizen’s Day and evaluate your finances. Here are three activities to lead you toward a more financially stable retirement.

National Senior Citizen's Day is a great time to review finances.

National Senior Citizen’s Day is a great time to review finances.

National Senior Citizen’s Day Financial Check-in

Utilize Technology for Finances

First, use National Senior Citizen’s Day to become familiar with technology. Do you have a lot of accounts to manage? Between banking, credit card and retirement accounts, online access can make a big difference in tracking your money. As a result of not seeing your transactions immediately online, it’s easy to rack up credit card debt or forget where money was spent.

While technology can be difficult at first, you aren’t alone. A friend or family member can help you learn how to complete basic tasks as well as taking computer classes at your local library.

Paying bills on time is the best way to manage credit card debt. Set up automatic withdraws so that you never miss a payment. If your debt is a bit more complicated, seek out credit counseling advice to determine the best options.

Create a Budget on National Senior Citizen’s Day

As much as retirement seems like a good time, there are limits. Consequently, there could be trouble if you aren’t careful with your spending. Create a monthly budget on National Senior Citizen’s Day to get ahead of any consumer debt.

Living within a budget can make your retirement fun and responsible. By sticking to a budget, you can ensure you will have enough money to cover your needs and financial goals. Are you paying for premium television shows you don’t watch? Are you utilizing senior citizen discounts? We also recommend checking out AARP and tax return discounts for more ways to save.

Research Medical Insurance

Are you covered by Medicare or Medicaid? Because the Affordable Care Act (AKA Obamacare) is ever changing, be sure to keep up with the latest. Review the benefits and see how you might be impacted by legislation at least once a year. Investigate all options to see which will work the best for your particular needs. Medical expenses can be very trying on your finances. It’s vital to take advantage of these benefits created just for seniors to avoid credit problems.

Finally, when it comes to retirement, make sure you are comfortable and economically stable to avoid stress and debt. Use National Senior Citizen’s Day as an opportunity to organize your finances.

If you’re struggling to pay off debt, schedule a free credit counseling session today. 


Michelle is a regular contributor to Talking Cents. She has taken several financial courses on debt management and is ready to circulate what she has learned from them as well as lessons from her own life- family to DIY projects to student loan debt.

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