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It’s summertime! This season brings fun outdoor activities and beautiful — but hot — weather. Did you know the senior community is often more prone to the effects of heat and therefore at a greater risk for dehydration? Now is a good time to focus on helping our elderly loved ones stay safe, healthy, and hydrated through the elevated summer heat. 

Causes of dehydration

Dehydration happens when the body does not receive or retain the adequate amount of fluid needed to function properly. If not treated properly, dehydration can cause severe health issues. Common causes include:

  • Intense summer heat
  • Strenuous activity
  • Medications or diuretics 
  • Drinks which contain caffeine or alcohol
  • Illness which cause fever, vomiting, or diarrhea

What should you look for?

Common warning signs of dehydration may include the following: 

  • Thirst
  • Confusion
  • Irritability
  • Headache
  • Dizziness or feeling faint
  • Low blood pressure
  • Dry skin and/or poor skin elasticity
  • Not urinating frequently or dark urine

What you can do to help seniors stay hydrated?

  • Always check with a doctor to make sure your loved one is getting the right amount of fluids for their individual health needs.
  • Create a set fluid intake schedule. If necessary, set timers to help remind your loved one to drink fluids throughout the day. Try to decrease fluids that are high in caffeine or sugar. 
  • Offer sufficient fluids at every meal. This can also include fruits and vegetables with high water content such as watermelon, cantaloupe, and cucumbers. 
  • Keep water within easy reach of chairs and beds.
  • Check urine to ensure it is light in color. 
  • Offer a full glass of fluid with medication. 
  • Monitor skin elasticity each day. 
  • Monitor the environment. Close blinds and windows to reduce indoor heat, and make sure the air conditioning is on a set schedule and working well. If outdoors, make sure there is a cool, shady place to sit. 

It is important to recognize the causes and symptoms of dehydration and know ways to help your elderly loved one stay hydrated. And don’t forget to utilize these tips for your own health as well. After all, you both deserve to have a healthy and happy summer! For more caregiving tips and information, visit our blog.

Aspen Senior Care was chosen as The Best of Utah Valley in the Home Health Care category. The Best in Utah Valley competition is held each spring by the Daily Herald. Readers choose and vote on their favorite local businesses, services, and products in Utah County.  The Daily Herald counts the votes to determine the top three in each category and the rest is history!

Aspen Senior Care has been serving seniors in Utah Valley for over 16 years. We are a personal care agency helping seniors with all their non-medical needs in the comfort and safety of their own homes. We work closely with several great home health and hospice agencies as well as other professionals serving the needs of seniors. 

Our mission statement is very simple:

“Our mission is to help seniors in Utah live comfortably and independently in their own homes for as long as possible.”

We accomplish this by providing Utah’s finest and most reliable and personalized in-home care. Our care and business practices are based on strong family values and the highest ethical standards. We perform all senior care services with professionalism and dignity and treat all seniors like family.

Our award-winning team specializes in assisting seniors in their homes by providing caregivers you can trust. Some seniors just need a few hours a week and others need a lot more. We do it all and tailor our services to meet the unique needs of each of our clients. We also provide peace of mind to their family members. We believe that there’s no better place to be than in the comfort and safety of your own home.

We help with:

  • Personal care
  • Dementia care
  • Companionship
  • Respite care for family 
  • Medication reminders
  • Transportation and errands
  • 24-hour care and holidays
  • Showering assistance and hygiene care
  • Light housekeeping and meal preparation
  • Senior Day Care through our sister company, Aspen Senior Day Center

Aspen Senior Care is a locally owned company with roots deep in Utah. With years of experience assisting seniors in our community, our staff provides quality care and enjoyable daily experiences. You can trust our staff to take great care of your loved one. 

To find out more about Aspen Senior Care’s commitment to excellence, please visit AspenSeniorCare.com or call 801-224-5910.

For many older adults, mobility limitations, health issues and low energy can keep them from the social engagement they once enjoyed. Especially in seniors who live alone, social isolation can lead to loneliness, depression and poor physical health. Pet therapy has been shown to benefit seniors by improving depression and anxiety symptoms, increasing self-care, and even improving heart-health. It turns out giving and receiving unconditional love is literally good for your heart.

Proven Benefits of Pet Companionship

The Pets for the Elderly Foundation, a nationwide charity committed to connecting seniors with therapy animals, has collected research on pet therapy for seniors. These studies discuss the physiological and psychological impact of animals on seniors’ quality of life. Here are their findings:

Physical Benefits

Heart Health—Frequent interaction with a pet can lower blood pressure and cholesterol, decreasing the risk of cardiovascular disease.

Improved Activity—Walking, grooming or playing with a pet increases the frequency of physical activity and exercise, which in turn has countless health benefits.

Healthy Behavior—Those who own a pet tend to take better care of themselves. Caring for a pet helps to develop a routine, encouraging owners to eat regularly or complete chores and other tasks.

Social & Emotional Benefits

Increased Interaction—Walking a dog gets senior owners out of the house and increases their opportunities to socialize with neighbors.

Decreased Loneliness—Pets provide companionship, giving isolated seniors a source for affection, conversation and activity.

Stress Relief—Being with a pet increases levels of serotonin, the “feel good” hormone that relieves stress. It also provides physical contact, which helps to calm anxiety.

Better Self-Esteem —For seniors discouraged by their age, appearance or limited abilities, pets are welcome company, reminding seniors that they are still capable of being loved and needed.

Sense of Purpose—The company of an animal provides a reason to get up in the morning. Pets combat depression symptoms by eliminating feelings of worthlessness or helplessness. Knowing that they are loved and needed enhances seniors’ mental health.

Things to Consider Before Getting a Pet

If you think your loved one would benefit from owning a pet, ask yourself these questions to help you make a wise decision:

What is the best choice for a pet? If your loved one has trouble walking or is more limited in their ability to provide constant attention to a pet, a cat might be a better choice than a dog.

Is my loved one an experienced pet owner?

Taking on the responsibilities of owning a pet could be overwhelming for a senior who has never had one before.

Photo by Snapwire from Pexels

Are finances an issue? Consider your loved one’s financial situation. Animal care can be expensive, and if your loved one is on a fixed income, owning a pet could cause financial burdens. Assess the costs before you commit.

Choose the right pet. Do your research to find a pet whose age, size, personality and energy level fit well with your loved one’s.

Could I adopt an animal in need? Older animals in shelters have a lower adoption rate than puppies or kittens and have a greater risk of being euthanized. Adopting an adult, healthy pet for your loved one can eliminates the stress of training, match your loved one’s energy level and save the life of a loving animal.

By Caren Parnes

For the Senior’s Choice

Before the pandemic that is COVID-19, staying in touch with a loved one in senior living was hard. Now that precautions such as social distancing are in place, those challenges have now become harder. A lack of connection brought on by today’s conditions has elevated stress and created a sense of loneliness amongst both elderly parents and their adult children. Here are eight simple ways to stay connected during these tough times:

Send Them Care Packages

Send your loved on a package filled with their favorite items, personal belongings, and even memorable items such as photos and postcards to make them feel involved. Another way of doing so is by creating themed care packages centered around a memory or even a holiday. Regularly sending thought out care packages can make your loved one feel cared for, thought of, and involved. 

Regular Video Calls

We are fortunate to live in a period in which technology makes it easy to stay connected. Set up a weekly time to video call with your loved one. Video calls are ideal since they allow both of you to see each other. They can make the distance more bearable and will enable you to show them things going on at home. It also allows you to get your family together to video chat together.

Play a Game Together

Smartphones have changed how we play games. With thousands of multi-player games available, you can now bond over even more. Pick out a smartphone game that both of you will enjoy. Games can further enhance how you bond together and give you more to talk about. If your loved one doesn’t have a smartphone, computer games are an alternative. 

Get Them a Pet

Pets are a great way to ease loneliness. If possible, get your loved one a pet to keep them company. If they are able, take your loved one to the store to pick out their pet. Not only will this create a great memory, but it will add even more meaning to the pet. Having a pet will keep them busy and offer a form of companionship.

Photo by John-Mark Smith from Pexels

Collaborate with Their Caregiver

Caregivers offer a unique insight into your loved one’s progress. They regularly interact with them, which makes them a good source of ideas and inspiration. Develop a relationship with your loved one’s caregiver to keep track of their progress, any possible issues, and possible ways to make them happy and content. 

Send Good Morning and Goodnight Texts

This simple tip can make a world of difference. Daily communication can be a struggle considering how crazy life can get. Simple good morning and good night texts can let your loved one know you’re thinking about them. It can also serve as a way to share with them what you’re up to and open the door up for conversation. 

Plan Out Future Trips

Planning out a future trip with your loved one can help take their mind off any current troubles they may be having. It can serve as a way to get through tough times and give them something to look forward to. And because trips often require planning, it provides your loved one something to do to make time pass. A great bonus is planning out trips that may be on their bucket list. Bucket list trips add even more connection and excitement. 

Make Every Conversation Meaningful

Day-to-day conversations can lose their effect because they lack substance. Be sure to make every conversation meaningful by talking about their progress, your progress, reminiscing, showing compassion, and making sure they know they’re loved. It’s essential to do so, so they don’t feel that staying connected is a chore for you.

These eight tips can help both you and your loved one get through these tough times and even strengthen your relationship. It can be overwhelming to get started, but writing down ideas and a list of your loved one’s hobbies and interests can be a great way to get started. 

About the Author

Brandon Landgraf is a digital marketing manager and content creator for Carex Health Brands, a health and wellness brand whose mission is to improve the lives of others. He enjoys writing content that empowers others to live better, be healthier, and lead happy lifestyles.

Coronavirus (COVID-19) Response – March 24, 2020

Aspen Senior Care is taking extra precautions to keep our clients, caregivers, and office staff safe. This is our top priority at this time. We want to do all we can to ensure the safety and well-being of all members of our Aspen family. Here are the most critical steps we are taking:

1. Frequently reminding all employees to follow the important CDC guidelines. These include washing hands often for 20 seconds with warm soapy water, cleaning objects and surfaces often which are frequently touched, covering up any coughing or sneezing, not touching their faces or shaking hands with others, staying away from all sick people and practicing social distancing at all times. 

2. Proactively enforcing our Stay home if you are sick policy. This goes for all employees who might be exhibiting any symptoms of respiratory illness, flu, or cold viruses.

3. Proactively screening all caregivers. We are calling and visiting with our caregivers often and screening them with the following questions:

  • Have your recently traveled out of state or country or to any infected communities?
  • Do you have any symptoms of respiratory infection such as fever, cough, or sore throat?
  • Have you been in contact with anyone who has or is being tested for COVID-19 or are ill with respiratory illness?
  • Are you aware of coronavirus spreading in the community where you live?

4. Asking all employees working with clients exhibiting any respiratory illness symptoms to call the office immediately and ask the client to contact their primary care physician ASAP. All caregivers will wear masks and gloves when working with any at risk clients.

5. Any employees who travel will first check with our office team before working. Those traveling to high risk communities, states, and nations must take 14 days off when returning home to monitor for symptoms of respiratory infection. 

At Aspen Senior Care, we encourage the highest standard of health safety practices to ensure the health of both our clients and employees. We have a great 15-year record of doing just that. Please feel free to reach out to our office with any questions at 801-224-5910

Dear Clients and Families,

Our top priority is the health and safety of our clients and employees. With the coronavirus  (COVID-19) in the news, we want to share with you our protocol to minimize the spread of viruses, bacteria, and other serious bugs. We’ve always been careful and now we’re taking even greater measures to ensure the safety and well-being of your loved ones. Here’s what we are doing:

  1. Reminding our employees to wash their hands often for at least 15 seconds with warm soapy water, especially before and after helping clients with any food or personal care. We help our clients keep their hands clean as well. 
  1. Cleaning and disinfecting surfaces and objects which frequently get used by others. We like to use Clorox or Lysol wipes to wipe things down if you have any in stock. Otherwise, we’ll use warm soapy water to keep things bug-free.  
  1. Proactively enforcing our Stay at home if you are sick policy. This goes for all of our employees because we know that our clients already have enough challenges and they are more vulnerable to all viruses, bacteria, and any other serious bugs.  
  1. Asking employees and clients to always cover up any coughing or sneezing. And to stay away from sick people or others who have come in contact with people who might be sick.
  1. Strongly discouraging handshakes and the touching of mouth, eyes, and nose by employees and clients.

We remind our employees often of this protocol, especially during flu season and now even more with the coronavirus spreading. From what we’ve studied and been told, this virus is a lot like the respiratory flu virus (both in its symptoms and the way it spreads). We see no need to panic, but we want to stay alert, be smart, and keep our clients safe, healthy, and happy.

At Aspen Senior Care, we encourage the highest standard of health safety practices to ensure the health of both our employees and our clients. We have a great 15-year record of doing just that.

Please feel free to reach out to our office with any questions or additional suggestions at 801-224-5910.

Aspen Senior Care has started 2020 with a bang! We are proud to announce that Aspen has received both the 2020 Best of Home Care® – Provider of Choice Award from Home Care Pulse and a Caring Star of 2020 Award from Caring.com. These awards are granted only to the top-ranking home care providers, based on client and caregiver satisfaction scores gathered by both companies. Aspen Senior Care is now ranked among a small handful of home care providers across the country who have proven their ability to provide an exceptional working experience to employees and the highest quality care to clients.

We want to congratulate Aspen Senior Care on receiving both the Best of Home Care – Provider of Choice Award,” says Erik Madsen, CEO of Home Care Pulse. “Since these awards are based on real, unfiltered feedback from clients and caregivers, Aspen Senior Care has proven their dedication to providing a great work environment and solid training to employees, while maintaining their focus on client and caregiver satisfaction. We are pleased to recognize their dedication to quality professionalism and expertise in-home care.”

Best of Home Care providers have contracted with Home Care Pulse to gather feedback from their clients and caregivers via live phone interviews each month. Because Home Care Pulse is an independent company, it is able to collect honest and unbiased feedback.

“We would like to thank our clients and their families for providing ongoing positive and constructive feedback throughout each year! We are so grateful to be in your service. We appreciate Home Care Pulse for recognizing us as 2020 Best of Home Care® – Provider of Choice and Caring.com for awarding Aspen with a Caring Star of 2020. We owe this to an outstanding team of caregivers and staff who continuously provide the highest quality of care to our clients and their families.”

-Gary Staples Owner and Administrator of Aspen Senior Care

About Aspen Senior Care

It all started in 2004 when Gary finally figured out what he wanted to do with the rest of his life. He’d been searching for two years looking to start his own business–something that would do good in the community, be fulfilling, and provide a service he could be passionate about every day. Senior care fit the bill! Our mission at Aspen is to help seniors live comfortably in their own homes for as long as they desire. We are caregivers you can trust.  We provide a no-cost, no-obligation assessment to see whether we’re a good fit for each other. During the assessment we answer questions, go over care options, and put together a personalized care plan to fit the client and family’s unique needs.

About Home Care Pulse

Home Care Pulse is the home care industry’s leading firm in satisfaction research and quality assurance. On behalf of home care businesses across North America, Home Care Pulse gathers unbiased satisfaction ratings from clients and caregivers and detailed feedback to ensure the best in-home care possible can be provided. Powerful online reports allow businesses to identify needs and take action to reduce increase satisfaction, reduce caregiver turnover, and address client needs. For more information, please call Home Care Pulse at (877) 307-8573 or visit homecarepulse.com.

About Caring.com

Caring.com exists to help family caregivers make better decisions, save time and money and feel less alone.

To find out more about Aspen Senior Care’s commitment to excellence, please visit AspenSeniorCare.com or call 801-224-5910.

Eating a balanced diet is a basic need we all have in order to stay healthy, both physically and mentally. This is a universal truth, but nutrition becomes more critical as we age. Some seniors struggle to get all the nutrients they need, and many are at a higher risk of malnutrition, often due to a decreased appetite. Even as seniors need to be especially careful about getting proper nutrition, meeting this goal becomes harder. If you’re a senior or have a loved one who is, the good news is that there are simple ways you can work around these barriers.

Beyond Nutrition to Holistic Health

The first thing to realize is that nutrition is tied to many other aspects of our lives. Physical limitations, being active, your social surroundings — they all impact dietary choices and nutrition. One of the best ways seniors can improve nutrition is to take a holistic approach to their health. This means addressing mobility problems through physical or occupational therapy, finding ways to be active, and staying socially engaged to boost your mental health.

If this goal sounds a little overwhelming, don’t try to do it all on your own! There are lots of great holistic wellness programs for seniors, and if you have a Medicare Advantage plan, you may be eligible for one through your insurance benefits. Even if you don’t have these benefits right now, you can always switch to a plan that includes wellness services the next time you enroll.

Don’t Forget About Your Gut Health

As part of a holistic approach to health, it’s important to be aware of nutrition issues that are less well-known. One of these is gut health, especially your microbiome, which basically means the microbes that are in your digestive tract. You’ve probably heard of “good” bacteria and how they can be found in certain foods. We call these prebiotic and probiotic foods, and they have a major impact on your health, beyond just your digestive system. These foods help keep you healthy physically, but they also impact your mood and can even keep your mind sharp.

Taking care of gut health is important at every age, but Sixty and Me explains how it becomes more important for seniors, as your microbiome loses diversity as you age. An easy way to fight this is to eat lots of probiotic and prebiotic foods. Some of the best are fermented foods like sauerkraut, yogurt, and kefir. Legumes, beans, and any food high in fiber are great choices too.

Photo courtesy of Pixabay (Meditations)

Good Food for Less

For many seniors, being on a tight budget is a barrier to nutrition. Convenience foods, which typically don’t pack much of a nutrient punch, are often cheaper than fresh fruits, vegetables, and proteins. However, this doesn’t mean you can’t eat good food for less! Woman’s Day has some of the best tips for eating on a budget, including buying frozen fruits and vegetables, buying store brands, and buying fresh produce in season.

Another issue for some seniors who live alone is that they don’t know how to cook for just one person. An ideal solution to this problem is to make batch meals. If you have more than just a few portions, plan on freezing part of what you make. This way, you won’t get tired of eating the same meal repeatedly, and you’ll have more meals to pull out and eat later on. Making batch meals is also economical, so it’s a win-win solution.

The reality of nutritional needs for seniors is that it takes more than just switching up a few things in your diet. It requires making conscious choices to prepare inexpensive, healthier meals, as well as an awareness of your holistic health needs. Even if it takes time, making choices to put yourself first will be worth it for the amazing boost to your health.

Contributed by Jennifer McGregor

Jennifer co-created Public Health Library to make it easier for people to find high quality health information. She is a pre-med student who enjoys writing about health and medical topics to help the readers find reputable health resources.

Colder weather means most of us – especially seniors – will spend less time outdoors and more hours inside with windows and doors closed. That also means contending with stale air, or as experts call it, indoor air pollution.

Our cozy homes can emit potential health hazards from carpets, curtains, and all the synthetic materials found in a modern house. One way to counteract this silent pollution is with air purifiers. That can get expensive, with the commercial purifier for a single room costing $100 or more. A less expensive and more aesthetically-pleasing way is with — plants. It’s also an excellent way to bring the outdoors inside. After all, it’s the beauty of the outdoors that adds Utah’s high quality of life.

Yes, certain houseplants are natural pollution filters. NASA has discovered some houseplants are effective in controlling potentially noxious pollutants. After several tests, the space agency discovered, “Plant roots and their associated microorganisms destroy the pathogenic viruses, bacteria, and the organic chemicals, eventually converting all of these air pollutants into new plant tissue.”

NASA says plants can reduce up to 87 percent of toxins in your home within 24 hours. Aside from filtering pollutants, indoor plants can improve your health, reduce stress, help you breathe easier, and improve your mood. That’s a lot more than a $100 air purifier can do.

Here’s a sampling of plants proven to filter pollutants that can be harmful to your well-being:

1. Areca Palm

This big plant is the favorite of scientists for filtering toluene, a family of harmful substances found in glue, paint thinners, nail polish removers, and other common household products. It also acts as a natural humidifier and tolerates most indoor environments.

2. English Ivy

Pretty in a pot or hanging basket, this venerable favorite can grow with just a few hours of sun per day and can last for years. If you have a place in your bathroom, this plant is great for filtering pollutants specific to that room.

3. Chrysanthemum

This fall favorite will thrive anyplace where it can get good sun. It’s especially helpful in kitchens where it can zap toxins like benzines and ammonia, which are common in household cleaners.

 4. Aloe Vera

The darling ingredient of skin care products also doubles as a sieve for the harmful vapors of detergents and varnishes. Like mums, it prefers sunny locations.

5. Snake Plant (Mother-in-law’s Tongue)

Despite its unsavory names, this plant battles airborne chemicals and produces oxygen at night, making it a good choice for bedrooms. Don’t over-water it because it’s susceptible to root rot.

6. Spider Plant

If you’re all-thumbs-but-green, this might be the perfect choice because it grows with little care. It’s especially good at absorbing carbon monoxide and is one of the few houseplants that’s completely harmless to pets, so you can put it anywhere.

7. Peace Lily

This houseplant is as pleasing as its name implies, but wages war against carbon monoxide. Content as a pot-dweller, it requires minimal upkeep other than watering when its leaves begin to droop.

8. Rubber Plant

This has been an indoor favorite since great-grandma’s day. Because it grows tall, it’s excellent in a floor pot and can thrive in partial sunlight. The Rubber Plant bounces formaldehyde vapors, which are found in many household products.

9. Bamboo Palm

Resembling a giant palm/fern hybrid, this big beauty can filter a host of chemical vapors and does double duty as a natural humidifier.

10. Chinese Evergreen

This is a worker bee of a little plant that absorbs a number of harmful chemical vapors and gets better at it as it ages. It’s also easy to grow and is happy in low sunlight.

Most of these pollution fighters are at least mildly toxic to pets, so it’s important to choose locations with that in mind. Placed about your home, they can be a real comfort as you snuggle in for the winter!

Contributed by Eva Williams

Eva loves the outdoors. She loves it with a campfire and s’mores or après ski in a nice lodge with a glass of wine and has written about it for two decades.

If you are now living on a fixed income, you’ll probably need to start spending less. However, cutting costs doesn’t mean you have to make major lifestyle changes. You can make simple changes to your habits and still live a full and satisfying life throughout your golden years.

Declutter Your House

Over the years, you’ve probably accumulated a lot of stuff that you don’t want, need, or use. Older adults should declutter their homes and part with some of their abundance of belongings. Decluttering doesn’t just free up space and make your home safer; it can also bring in some income. Look to sell items on eBay, Craigslist, or local consignment shops, as clothing, decor, furniture, and other items that you don’t want anymore can bring in a little income. The fewer items you have in your home, the less you’ll have to clean, maintain, or store. Decluttering can be a very freeing experience for many people. Once you’ve sold everything you can, then donate the rest to charity or pass items on to friends or family members.

Concentrate on Energy Savings

One way to reduce your monthly bills is to cut back on your energy usage. Combined utilities are typically the second biggest portion of your monthly bills, after your mortgage or rent payment. There are a number of easy ways to reduce utility costs.

  • Go around the house and unplug items that you don’t regularly use. Appliances and electronics that are off but still plugged in will continue to use energy.
  • Switch out your traditional light bulbs to more energy-efficient CFLs or LEDs.
  • Install a ceiling fan to help cool your home and circulate the air.
  • Replace filters regularly so your HVAC unit doesn’t have to work so hard. Vacuum the coils under your refrigerator as well.
  • Use a smart thermostat to adjust the temperature when you aren’t at home. Also, lower the temperature at night when you can use blankets to stay warm.
Photo by Rodolfo Clix from Pexels - 1
Photo by Rodolfo Clix from Pexels

Seek Out Discounts 

Restaurants, grocery stores, retail shops, movie theaters, hotels, cell phone companies, and various other entities offer discounts for seniors. The Senior List has compiled a fairly comprehensive list of senior discounts, but you also need to check in your local area. You may be surprised which retailers will offer discounts and freebies to older adults. Also, consider signing up for loyalty programs or rewards credit cards to reap even more benefits.

Check Your Insurance

Do you have the best deal on your health, auto, and homeowner’s insurance? Take the payments off auto-renew and start researching better options. For example, a Medicare Advantage plan may be more cost-efficient to you in the long-run than traditional Medicare. When it comes to car insurance, you can save money in a variety of ways. On an older vehicle, you may not need full coverage, but it’s still a great financial safety net to have. Discounts are usually available if you are a safe driver, bundle your policies, have an anti-theft device, and drive under a certain number of miles a year, so find a company the provides competitive savings. Compare prices and get quotes from different companies before it’s time to renew. You could end up saving hundreds of dollars a year.

Refinance Your Mortgage

Refinancing your mortgage can reduce your interest or extend your term, resulting in lower monthly payments. If you need more cash immediately, you can do a cash-out refinance. With this vehicle, you get a new mortgage that is higher than your current one, but you also get the difference in cash. Refinancing doesn’t make sense for everyone because there may be closing costs or other fees involved. So, talk to your financial institution and various lenders to comparison shop and figure out if refinancing is right for you.

When you head into retirement and you are suddenly on a fixed income, it can be an adjustment. However, just because you need to change your budget doesn’t mean you have to sacrifice your lifestyle. Small changes can bring in a little income or reduce your monthly costs so you can continue to do all the things you enjoy as you get older.

Contributed by Karen Weeks. Karen created Elder Wellness as a resource for seniors who wish to keep their minds, bodies, and spirits well. She currently resides in Sacramento, California where she enjoys her retirement by trying new things and learning new skills to keep busy and challenge herself.