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Above: My Parents Arent they cute!
 
Welcome Friends and family Frugal Senior site
 

When my parents were finally able to retire completely by living in our extra cottage house I started looking around for programs for them to help with the burden of cost of living. I found a few interesting things we could use while other programs they couldnt. In my quest I decided to create this website to help others especially in the Texas but helpful in other states as well perhaps it can help you~


Things to help your parents:
 
1. If they need help, help them create a budget: I have a simple pdf file for that "Click Here"  
 
2. Do need help with budget? I really dont like the Credit counseling (make sure its legit credit counseling credit card agency only work with a few of them). If you have time listen to Dave Ramsey at www.daveramsey.com he helps people get out of debt even seniors.
 

Housing: Utilities
 
Questions to ask yourself and them.
A. Do they want to downsize, sell current house for something smaller to maintain?
B. Can you live in with your family or another house or room they might have? (This is very stressful for both familys if they are moving in with each other. Loss of privacy biggest issue I think. If you can fix up their own bathroom and kitchen even if it is a mini kitchen.
Would they be willing to have another senior live with them as a roomate if they dont want to sell the house?
C. Is there anything in the house utilities that can save money? Examples: Check on phone can they live with just basic? What is their long distance service is it the best? Would it be better to just get a cell this way they have way to contact if away from house.
Cabel, can it be downsized the program, live with rabbit ears for tv, introduce them to library to check out movies. Go over house to save on energy. Stop unwanted subscriptions like paper or pay for it for them. Can they save on trash by switching or you taking it to your house and doubling up with them.
 
Glossary of senior housing terms: http://www.senioroutlook.com/glossary.asp
 
Nationwide Engery Assistance:
 
 
Assisted Living Federation ofAmerica
Web Page: http://www.alfa.org

American Association of Homes and Services for the Aging
Web Page: http://www.aahsa.org

American Seniors Housing Association
Web Page: http://www.seniorshousing.org

Joint Commission on Accreditation of Healthcare Organizations
Web Page: http://www.jcaho.org
 
Retirement Centers apartment/Assistant living USAhttp://www.retirementhomes.com/
 
Hotels when traveling ask for the senior rate.
 
Some electric company have a senior plans but not many. Ours here will wait an addtional few days till their income checks come in before they have to pay. (OH how sweet of them) pfffst... Check out my housing utilities page above for ideas to save on housing expensive.


Food Programs:

Food stamps there is a limit for the amount a senior gets to receive food stamps depending on your state. Please be aware if they are already getting SSN# money it might affect it so please check into it in our case it was not worth it.

 

Federal programs: Go here for list of them: http://www.frac.org/html/news/fsp/fselderlycenter.htm

 

Food stamps: This site will show who qualifies:

http://www.ssa.gov/pubs/10100.html#part6

 

Food banks: This has a zip code or by state listing finder:

http://www.secondharvest.org/

If your Senior is dependent on you and you want what is best for them Here is a link page with tons of Elderly nutrition ideas for Seniors

http://www.nal.usda.gov/foodstamp/Topics/elderly_nutrition.html

 

Nutrition newsletter for some states http://www.nal.usda.gov/foodstamp/Library/newsletters.html

 

Seniors Farmers Market Nutrient Program listing except Texas :(

http://www.fns.usda.gov/wic/SeniorFMNP/SFMNPcontacts2005.htm 

 

Local farmers markets

http://www.ams.usda.gov/farmersmarkets/map.htm

 

Share programs: This is a great program for seniors or anyone. Most churches will sponsor it. SHARE is a nonprofit food buying club that offers good, nutritious products at reduced cost through a volunteer-run, community-based distribution system. As a member of SHARE, you can save up to 30-50% on many of the same products you would find in a supermarket. No memberships no fees. If you go to the site email them to find a place near you. I know for a fact it dosent say Texas on it but we have the program here.

http://www.sharewi.org/  there is also one in the East coast http://www.sharefoodprogram.org/ similar to the other share program.

 

Hints: Community Centers: Sometimes offer free food to seniors check your county out to see if they offer this, its usually a once in a month. Have a least one night where you ask them over for dinner or take them out.

 

Go to my Grocery Menu site to save more money with coupons etc..

 

Restaurants: (Check back will add more as I have more time)

 

"A lot of restaurants will offer Senior Discounts you just have to ask if they don't ask them if you can use a child meal menu instead"

 

McDonalds - My parents love McDonalds they usually get a hashbrown, sausage & biscuit for a $1.00 coffee free.

Family members can order online to buy them booklets http://www.mcdonalds.com/usa/shop/certificates.html

Dennys: For lunch or breakfast they also like Dennys-For the Dennys menu to order online for your senior Gift Certificate

 

Check your community centers. Ours has daily lunches and meals on wheels program for our seniors. Cost usually is 50 cents a lunch.  

Medina county: http://medina-tx.tamu.edu/

 


Medical:

 

There is not a whole lot that I know yet to be done about medicines except try to get the best deal with pharmacy go for the generics if you can.  I do NOT recommend going over the border to Mexico or Canada or Online they have been finding out more and more that they are either really old meds or watered down. This could be dangerous for seniors and not worth it.

 

Medicaid

http://www.cms.hhs.gov/medicaid

 

If your a grandparent raising kids that need health

http://www.insurekidsnow.gov/

 

Check local hospitals for free information for seniors

 

Senior Care:
 
 
Hospice American Foundation: http://www.hospicefoundation.org/
 
Hospice and Palliative Nurses Association: http://www.hpna.org/
 
Alliance of Information and Referral Systems
Web Page:
http://www.airs.org

National Association for Home Care
Web Page:
http://www.nahc.org/home.html

World Home Care and Hospice Organization
Web Page:
http://www.whho.org

American Network of Community Options and Resources
Web Page:
http://www.ancor.org

American Public Human Services Association
Web Page:
http://www.aphsa.org

Transportation:
 
If your looking for a car rental most of the major car rental places will have a senior discount for at least 10% just ask.
 
Bus: Most major city buses will have a senior pass
 
A lot of the senior centers or groups will have a week where they will take them shopping or site seeing.
 
Check into the major tourist bus lines/Trains/Airlines for discount for seniors most will have them.
 
Hint for Families: Make it a routine where you will take your elder senior shopping so they have something to look forward too plus get the supplies they need. Postoffice, Grocery store, hair salon, Major store. OR:
 
Hire a college student to drive them around once a week.

Entertainment:
 
Most the movies will either have a senior night or have discounts for every show for seniors.
 
Plays other productions might have a senior discount ask for it.
 
Fun Parks, Sea World, Six Flags, Disney World ask for the senior discounts.
 
Fitness clubs, golfing, bowling ask for senior discounts.

Shopping:
 
Most major Department stores offer days or discount for seniors. Alco has senior days.
 
Book stores offer discounts for seniors
 
Fabric stores I know Joanns will not only have discounts but senior days.
 
Bottom line is it don't hurt to ask

Senior Organizations:
 
AARP: One of the biggest in the United States.
http://www.aarp.org/ currently its only $12.50 a year check out their pdf file for what it includes. http://assets.aarp.org/www.aarp.org_/articles/benefits/fullbenefits.pdf
 
Social Security website
 
National Council on the aging
 
Medicaid and Medicare
 

USA & Texas Links:
 

Main Links for Elder

First Gov http://www.firstgov.gov/

Senior Discounts http://www.seniordiscounts.com/

 

Main Links in Texas for Elder

Seniors raising grandkids info

http://grandparentsraisinggrandkids.tamu.edu/

 

Elder care in Texas Cooperative Extension-Elder care, Health, Home, Clothing etc

http://fcs.tamu.edu/families/aging/

 

Elder options of Texas

http://www.elderoptionsoftexas.com/


Hints for seniors & their familys to look into:

 

1. Take them to the library if they havent been to one in awhile. My own parents didnt realize they now had videos, music and books on tape and even the large print books.

 

2. Take them to their local Senior center to meet other seniors there age but also find out about other programs in your county.

 

3. Check into your taxes, if your parent is living with you they may qualifie to become another exemption.

 

4. Tell family members instead of trying to find the perfect gift for the elder parent that has everything give them worthwhile certificates. Mine personally love Mc Donalds, Block Buster and Home Depot/Lowes.

 

5.  A lot of seniors are retired for the first time and need something to do. Besides the senior center check out colleges for free classes for seniors, check out the community center for classes as well, introduce them into a hobby, square foot gardening or pot gardening/ sewing/Quilt clubs, bingo nights, helping in their church more, a lot of the community centers or teen pregnant centers look for rocking chair grandmas to help out a few nights a week so the girls can take night classes to get their high school diploma.

 

6. Most the parks will have discounts including fishing licenses and hunting licenses either free or discount.

 

7. Banks A lot of the banks now offer some sort of senior care packages. That may offer discounts, with no fees. Check around your area.

 

*Last updated Feb /26/2005
 

 
 
 
 
 
 
 
 
 
 
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More Photos in Album 
 
 
Below: Pictures of mom and dads cottage under the pecan trees and the small canal in front that looks like a stream. Check out my photo album of updates of my folks place its under "Pecan House"
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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