Posts Tagged ‘Skillman NJ senior care’

How to help seniors enjoy the holiday season: read these 6 great tips…

December 24th, 2014 No Comments

6 Great Tips to Help Seniors Enjoy the Holidays

Older adults have special challenges during the holiday season–the holidays can be an emotional drain as well as a physical drain. Depression, confusion, and stress can come calling. Below are some tips on how to help seniors through this potentially tough time.

  • Reminisce: Get out the photo album, listen to old records, watch family movies, tell some stories of holidays past. Sharing memories can be powerful for the aging adult.
  • Plan for Alone Time: Set aside a room or area in which the senior can take a break from the hustle and bustle of the family.
  • Include the Elder: Try to include the senior in as many family activities as they can handle, such as setting out flatware, folding napkins, and other helpful tasks. This will give them a sense of purpose.
  • Connect: Since loneliness can cause depression, it’s very important for seniors to connect with others during the holiday season. Go out of your way to visit and talk with older people in your life.
  • Get Some Sun: To avoid seasonal affective disorder (SAD), increase seniors’ exposure to outside light.
  • Make New Memories: Older adults love having something to look forward to, so plan to make some new memories with them.

For more holiday tips, visit our resource page on Stress-Free Holidays.

8 stress-busters for family caregivers…

November 20th, 2013 No Comments

Family Caregivers: Take Care of Yourself, Too!

Family caregivers of their parents or older loved ones often experience stress–it’s a fact. Focus on the rewards of caregiving–it helps strengthen your relationship with your parent, helps you feel loved and wanted, and it can boost your self-confidence! Below are ways to reduce caregiver stress.

Try these tips to help you feel your best:

  • Make sure you go to your own medical appointments
  • Watch your diet and eat healthy food
  • Get enough rest each night
  • Get at least 45 minutes of exercise each day
  • Treat yourself at least once a week

Read all you can on how to deal with your parent’s disease. This will help you be proactive and positive about the issues you’ll be presented with. Check your local hospital or Office on Aging to see if there are any support groups or classes on the disease.

When you’re feeling stressed, try these 8 stress-busting tips:

  • Get assistance from your local elder care services in NJfor:
    • transportation
    • delivery of meals
    • home health services
    • non-medical home care services
    • home modifications to make the house more aging-friendly
    • counseling: financial and legal
  • Don’t turn down help from family & friends; when they offer, tell them how and when to help!
  • Don’t volunteer to host holiday meals or other activities
  • Realize you’re not perfect–do the best you can
  • Have a daily routine and prioritize your responsibilities
  • Don’t lose touch with your family and friends
  • Become a member of a support group for caregivers
  • Maintain your sense of humor 😀

If you work full time, ask your human resource manager about taking unpaid time off under the federal Family and Medical Leave Act.

If you’re concerned about your loved one’s safety, get them an emergency response device, such as emergency pendants, intercom systems, webcams, etc.

If your stress is causing you to physically or emotionally harm your loved one, seek professional help right away.

Consider hiring a professional home health care service such as Visiting Angels in Central NJ for assisted living in your own home. We can help with household chores, personal grooming & hygiene assistance, help with shopping and errands, providing caring companionship, and even caring for your pets.

Photo: by Alexp

Tips on Repairing Debt During or Before Retirement

June 18th, 2013 No Comments

Repair Credit Before Retirement Aging Adults New Jersey

Many people dream that their golden years will be filled with leisurely days spent volunteering, tending a garden, globe-trotting and playing with grandchildren. However, due to heavy debt loads, many retirees are facing the reality of having to keep a simple lifestyle in order to survive. In fact, the average amount of credit card debt for people 65 and older averages $9,300, according to Twenty-four percent of seniors over the age of 75 still have mortgages, the Business Insider stated. This is due in part to being part of the sandwich generation and providing financial support to both parents–perhaps to provide them with home care NJ services–and children simultaneously. Fortunately for many seniors, it is possible to get out of debt and build up a nest egg that will help make their dreams a reality.

Reduce Mortgage and Vehicle Debt

One way to cut expenses and debt is to purchase a used car when you’re in need of another vehicle. Buying used will significantly reduce car payments. For those afflicted with bad credit and in need of an inexpensive car, dealerships are stocked with thousands of used vehicles for your perusal. After solving your automotive woes, there’s still the issue of keeping up on your mortgage payments. One option to earn cash rather effortlessly is to rent out a spare bedroom or garage space to singles or young couples. It really won’t cost much to have another body or two in the house, which will enable you to apply the bulk of the rent check to the mortgage. However, if downsizing is in your future, don’t put it off any longer. You can take this opportunity to liquidate items you no longer use or want, thereby earning extra cash and making it possible to fit into a smaller, less expensive dwelling while the housing market is favorable for sellers.

Pay Off Credit Card Debt and Consumer Loans

If you’ve been carrying a balance on one or more credit cards, now’s the time to eliminate them by being aggressive in your payments or consolidating several cards and loans to reduce the overall interest rate. The most affordable way to consolidate is to take out a personal loan from your bank and use it to pay off all of your debts in full. Then you’ll only need to repay your bank loan, reducing the chances of forgetting to make a payment or having it get lost in the mail.

Tips to Become Debt Free Before You Retire

By becoming debt free before you retire, you can decrease your debt and increase your savings.

Get a second job. Now that the kids are out of the house, you probably have a few extra hours on your hands in the evenings and on weekends. Stay active, socialize and earn more by turning a hobby into a business or get a part-time job that’s flexible. Pet sitting, working in retail, tutoring, consulting, babysitting, house cleaning and delivering take-out are great ways to get more green in a low-stress work environment.

Work a few more years. By working longer, and not tapping into retirement accounts, you can add to them while they continue to grow. If you just work an extra three years, and save $10,000 a year, you can help your nest egg grow to support you for an extra 15 years, suggests an article from Forbes.

Stick to a budget. Adhering to a zero-balance budget keeps you from adding to your debt load, and will even help you pay off your debt faster if you keep your living expenses to the bare minimum. Say you are used to spending $200 on eating out each month. Commit to cooking at home, thereby saving $150, and toss that extra money at your debt.

By buckling down and putting the pedal to the metal, it is possible to reduce a significant portion— or all— of your debt before you retire. Having a paid-for home, vehicle and belongings will be the greatest relief of your life. It will enable you to savor every moment of your retirement rather than stress over monthly bills.

By Guest Author Kyle Sanford  | As a financial advisor and business writer, Kyle shares finance news and strategies that help small businesses improve operations.