Financial Planning for Seniors

Donna Nichols • April 5, 2021

4 Practical Tips to Help Seniors With Financial Planning

You may ask yourself; shouldn’t this have been done when they were younger?

Yes, perhaps, but not all of us think of this when we’re young and not all of us can do this when we’re young. So we must now plan for it as we age.

Financial Planning for Seniors

Where do you begin?

First, make a budget and stick to it.

You know how much money you have coming in each month and how much you can afford to put out each month.

Find a financial advisor; there are local programs that can help you.

The National Council on Aging (NCOA) is one such program that helps seniors with many different programs for free or reduced rates.

AARP is another organization that offers free programs from other seniors who have retired, such as financial advisors who are looking to volunteer their services and assistance.

Next, set limits on the money you give to family members.

I know it’s nice to give your children and grandchildren money for their birthday and Christmas, but you may need to hold on to that money for yourself, or perhaps give them a lesser amount.

There’s a free program through the NCOA called BenefitsCheckUp and they provide community programs and services, online help, and advocacy.

After signing up, you can browse all the programs offered, find out if you qualify, and figure out how to apply for them. Go to https://www.benefitscheckup.org/ to learn more.

Be very careful with your internet/TV/phone service too.

Different companies charge so much money and if you have direct debit, you may not even know what you are paying for the service.

This happened to a client of ours, she has her internet/cable/phone service come right out of her checking account. Well, she bounced some checks because she didn’t know how much was coming out.

When she signed up for it, it was like $129.99 a month, so this is what she was taking out. Well, guess what? They were charging her, $275.00 a month!!! She said she never received a notice about the rate increase nor did she receive anything from her bank.

This woman has several children and to think that not one of them checks on her financial well-being just amazes me.

As senior advocates, we can help in situations like this. One of our advisors took her to her bank and to the places where the checks bounced and rectified the situation.

The bank is now to notify our advocate when monies run low. Our advisor was also able to downgrade her internet service and her bill is no longer direct debited from her account.

This is just one example of what a senior advocate can do for you, so should you find you need a senior advocate, someone who will go to bat for YOU with no hidden agenda, call Assisted Living Made Simple. We love our seniors and are privileged to assist you, and the best part is . . . our service to you is FREE!!

If you need help or encouragement as a Caregiver give us a call at  386-847-2322  or check out our  Caregiver Support Group. Our  Senior Advisors  are here to walk with you through this journey.

Staying Active as the Weather Warms

By Donna Nichols • April 17, 2026
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Allergy Season Is Here: What Seniors Should Know

By Donna Nichols • April 2, 2026
April in Florida means sunshine, flowers, and… pollen. Lots of pollen. For many seniors, allergy season can bring sneezing, itchy eyes, congestion, and fatigue — symptoms that can be frustrating but manageable with awareness and simple habits. Here’s what older adults and caregivers should keep in mind as allergy season peaks. 1. Allergies Can Change Ov er Time Even if someone never had allergies before, they can develop later in life. The immune system shifts with age, and new sensitivities can appear. If symptoms show up suddenly each spring, allergies may be the reason. 2. Pollen Counts Are Highest in the Morning For seniors who enjoy morning walks or porch time, this can be a surprise. On high‑pollen days, shifting outdoor time to later in the afternoon can make a big difference. 3. Staying Hydrated Helps Ease Symptoms Water thins mucus, supports the immune system, and helps the body flush irritants. Seniors often drink less than they realize, so gentle reminders — a water bottle nearby, herbal tea, flavored water — can help. 4. Keep the Indoors as Allergen‑Free as Possible A few simple habits go a long way: • Keep windows closed on high‑pollen days • Change air filters regularly • Remove shoes at the door • Shower or change clothes after being outside These small steps help reduce the amount of pollen that sneaks indoors. 5. Pay Attention to New or Worsening Symptoms If allergy symptoms feel different than usual, last longer than expected, or interfere with daily life, it’s a good time to check in with a healthcare provider. Sometimes what looks like allergies can be something else entirely. A Breath of Fresh (and Cleaner) Air Allergies may be part of spring, but they don’t have to steal the joy of the season. With a little awareness and a few simple habits, seniors can stay comfortable, active, and able to enjoy everything April has to offer.

Why Are Seniors Always So Cold?

By Donna Nichols • March 9, 2026
If you’ve ever walked into a room full of older adults and noticed the sweaters, shawls, and space heaters humming in the corner, you’re not imagining it — many seniors really do feel colder than everyone else. And it’s not just a quirk. There are real, physical reasons behind it, and understanding them can make daily life a lot more comfortable. 1. Our Internal Thermostat Changes Over Time As we age, the body becomes less efficient at regulating temperature. The internal “thermostat” in the brain doesn’t respond as quickly to cold, so seniors may feel chilly even when the room is warm enough for others. 2. Less Muscle = Less Heat Muscle mass naturally decreases with age, and muscle is what helps generate body heat. With less of it, the body simply produces less warmth. Even active seniors may notice they get cold more easily than they used to. 3. Thinner Skin and Reduced Circulation Skin becomes thinner over time, offering less insulation. On top of that, circulation often slows, meaning warm blood takes longer to reach hands, feet, and other extremities. This is why fingers and toes are often the first to feel icy. 4. Medications Can Play a Role Many common medications — including those for blood pressure, thyroid issues, or depression — can affect how warm or cold someone feels. It’s not always the medication itself, but how it interacts with the body’s temperature signals. 5. Underlying Health Conditions Conditions like anemia, diabetes, thyroid disorders, or poor circulation can all contribute to feeling cold. Sometimes, persistent chilliness is the body’s way of asking for a check-in with a healthcare provider. 6. Hydration and Nutrition Matter More Than You Think Dehydration and low-calorie intake can both make the body feel colder. Seniors who don’t drink enough water or who eat lightly may notice they’re chilly more often. Simple Ways to Stay Warm and Comfortable • Layer up with breathable fabrics • Keep moving — even gentle stretching boosts circulation • Warm beverages throughout the day • Use blankets or heated throws safely • Check room drafts and adjust thermostat settings • Talk with a doctor if coldness is new or worsening A Warm Note to Close Feeling cold isn’t a sign of weakness — it’s a natural part of aging. With a few small adjustments and a little awareness, seniors can stay cozy, comfortable, and confident all year long.