Sunday, January 14, 2024

Alcohol Abuse and Alcoholism in Retirement


My husband and I have been in 12 Step Recovery programs, Alcoholics Anonymous and Al Anon, for over 40 years, since we were both in our 30s.  As young adults, alcohol abuse was already having a bad effect on our marriage, and my husband realized he had to stop.  I realized that I had to change some aspects of my behavior, too.  Although we were still young adults, we knew that we were headed for disaster if we continued on the same path.

That was over 40 years ago, and we are so glad we made the joint decision to make some major changes in our lives, although it has not been easy.

One of the things we have noticed over the years is that more people show up at our AA and Alanon meetings each January, usually because people have over-indulged during the holidays.  Gradually, many of them leave, convinced that they either cannot stop drinking, or they cannot change their behavior in other ways.  

However, for those who stay in 12 step recovery programs, most of them have discovered that it has changed their lives for the better, and dramatically improved their relationships with their spouse, children and other friends and family members.  You are never too old to start changing your life, too.

The Covid pandemic caused millions of senior citizens to increase the amount of alcohol they drank.  Researchers at the University of Michigan discovered that about 14 percent of older Americans self-reported that they were drinking more.  Stuck at home, often spending large amounts of time by themselves, drinking became all too common.

Many adults between the ages of 50 and 80 reported that they sometimes drink at least three or more drinks at one time.  This is significantly more than the recommended limit of one small drink for women (about a half cup) and two small drinks for men (totaling about one cup of wine or two normal size beers) in a single day.  Many people have no idea the effect that large amounts of alcohol can have on them.

Seniors Don't Process Alcohol Well

The older we are, the less able we are to process alcohol, and doctors estimate that this biological change begins at around age 50.  This means that you are more likely to suffer from hangovers and other health problems when you overindulge. 

Your body has less muscle as you age, and because muscle stores more water than fat, you have less water in your body.  As a result, the alcohol you drink is not diluted by water as much as when you were in your twenties or thirties.  This means that if you are given a blood alcohol test by a police officer, you are more likely to have a high blood alcohol level after fewer drinks.  If you want to avoid those DUI tickets (and the huge expense), you need to seriously reduce the amount of alcohol you consume when you go out. 

The reduced muscle in your body is not the only cause of high blood alcohol levels.  In addition, your stomach and liver do not produce as much of an alcohol-digesting enzyme called ADH.  Since women have less ADH than men to start with, they have an even harder time eliminating the alcohol from their system as they age.

Most of Us Cannot Judge the Effect of Alcohol on Us

In some cases, we do not think we are drinking as much as we did 20 years ago, so we convince ourselves that we do not have a problem.  However, regardless of what we believe, we could be completely wrong.  Most of us have no idea how much alcohol is affecting our balance, our reflexes, our eyesight and our hearing.  

Because we have difficulty judging our own sobriety, we may be certain it is perfectly safe for us to drive, even when we are not capable of handling a car.  (By the way, the same is true when we take certain medications.  We may believe our faculties and reflexes are not affected, when they really are.)

Alcohol Dehydrates Us, and We May Already Be Dehydrated

Many older people do not drink enough water during the day, which leaves them slightly dehydrated.  Try pinching the skin on the back of your hand for a couple of seconds, and then let go. The longer it takes for the skin to fall back into place, the more dehydrated you are.  This is a common problem for senior citizens, even when we are sober.

Alcohol does not hydrate us. Instead, it increases the dehydration in our body.  Even though we may think that the beer or cocktail we are drinking is a liquid and would, therefore, help hydrate us, it really does the opposite.  Alcohol pulls water from our system, which is why you may experience a dry cottonmouth feeling the next morning.  

Notice how much more you urinate while you are drinking alcoholic beverages?  That urine is the water you are losing from your body. 

Too Much Alcohol Can Speed Up Brain Aging

As long as you stick to one drink for women and two for men in a day (and we're talking small drink sizes, not supersize ones), then most people are probably safe.  However, if you go beyond that amount, researchers have discovered that we lose volume in the frontal cortex of our brains.  In other words, our brain starts shrinking!

What does the frontal cortex do?  It helps us control our impulsive and compulsive behavior.  So, the more we drink, the more our frontal cortex shrinks.  This makes it harder to control our impulses, which causes us to drink more.  Our brain ages even faster.  It becomes a vicious cycle.  In addition, your brain volume does not come back when you stop drinking.  You may continue to be more impulsive and compulsive.  That is why going to alcohol rehabilitation or joining organizations like AA are so helpful.  They help people recognize and change any negative behaviors which may linger even after you are sober.

Alcohol Can Worsen Up to 200 Medical Conditions

We all know that alcohol can cause liver disease.  However, alcohol abuse can also worsen cancer, especially oral cancers.  It can raise your blood pressure (and you thought it would help you "relax.")  It increases your risk of having a stroke, worsens diabetes, and is unhealthy for anyone dealing with an immune system disorder.  Those are just the tip of the iceberg.  Alcohol can make almost any disease worse.

Excessive drinking also make it harder to get good quality sleep.  You may initially fall asleep, but then wake up just a few hours later when the alcohol wears off, which disrupts your rest for the remainder of the night.  

Try to Just Cut Back on Your Drinking

While a small amount of alcohol probably will not harm most people, and a little beer or wine may even help your heart, it is important not to push the limits, even occasionally.  Try cutting back or giving up alcohol for a while. If you feel healthier and generally better after a few weeks without alcohol, then this should tell you everything you need to know.  Keep it up!

If you discover that it is almost impossible for you to cut back, and you definitely cannot abstain on your own, talk to your doctor, consider going to rehab, or find a local chapter of Alcoholics Anonymous.  There are thousands of men and women who have gone through the same thing in every community, and they will be happy to help you.

Support Others When They Cut Back

One type of behavior which is common in problem drinkers is the tendency for them to push other people to drink excessively.  How often have we all heard people push us to drink "One more for the road!" (Are they kidding?  On the road is the last place you should be if you have been drinking!)


Instead, it is much more helpful to offer encouragement to people who are trying to cut back, or eliminate alcohol from their lives, and we should do whatever we can to help them stick with their program, whether they are trying AA or some other sobriety program.  If they belong to a 12 Step Recovery Group, like Alcoholics Anonymous, they need to be encouraged to stay with it.  

Whether you join AA, or Alanon (an organization to help the friends and families of problem drinkers deal with the problems that alcoholism causes) or you just want to encourage someone else, you may wish to send them a positive note or give them a gift to support their efforts and let them know how proud you are of their efforts. 

Help them celebrate events such as their sobriety birthdays or Alanon anniversaries.  You can give members of the AA program jewelry or t-shirts to help them celebrate. 

The important thing to remember is that we all benefit when we encourage and support our friends and loved ones as they try to to stick with a 12 Step sober recovery program, and any way you can do that is beneficial. 


Enjoyed this post? Never miss out on future posts by following us.  You will receive a twice-monthly email with the most current post. 

If you are interested in learning more about saving money, financial planning, Social Security, Medicare, where to retire, common medical issues as you age, travel and more, use the tabs or pull down menu at the top of the page to find links to hundreds of additional helpful articles.

Source:  Facts about alcohol and aging from the March 2022 AARP Bulletin.

Disclosure: This blog may contain affiliate links. If you decide to make a purchase from an Amazon ad or my Etsy Shop, I'll make a small commission at no extra cost to you.

You are reading from the blog: http://www.baby-boomer-retirement.com

Photo credit:  My website:  12step-jewelry.com

Saturday, December 30, 2023

Top Retirement Stories of 2023 - What Interested Baby Boomers the Most?


Once again, it is time to review the articles which interested retirees the most during the past year.  I was delighted to see that the article on volunteering was, by far, the most popular topic of the year.  This is so important because it is also a way that people can achieve other goals, such as postponing dementia and maintaining our mental health.  Other topics of interest this years included starting a business to help caregivers, saving Social Security by making a few small changes, eliminating the unfair WEP / GPO programs that reduce Social Security benefits for certain groups of people, learning how our political policies can affect our life expectancy, knowing what to expect if you are diagnosed with lung cancer and, finally, discovering the relationship between getting routing vaccinations and lowering our risk of dementia.  

These are a wide range of topics which interested my readers this year, and it shows that Baby Boomers continue to live active lives with varying interests throughout their lifetimes.  Below are the ten most popular articles on this retirement blog for 2023.  The links are included, so you can easily read them for yourself!

Volunteering on Vacation or in Retirement - Improve Your Life and the Lives of Others - This article was read more than twice as often as the second most popular article on my blog.  It lists several agencies which can help you find the right volunteer opportunity for you all around the world.  These experiences can be life changing, and I sincerely hope that this article inspired a number of people to do something fantastic with their lives!

Dementia - Are You Increasing Your Risk - As always, the topic of dementia also attracted many readers this year.  While some causes of dementia cannot be changed, there are certain behaviors which can substantially increase your risk, including our diet and leading a sedentary lifestyle.  Read more about what you can and cannot change to reduce your chances of getting dementia.

Help Senior Caregivers by Starting a Support Business - Have you ever thought about starting your own business?  Once area where there is a lot of demand is in the area of support businesses for people who are taking care of others.  There are a number of different services you could offer to family caregivers including counseling, transportation, caregiving assistance and food services, depending on your background and interests.  This article explains some of the practical considerations you need to consider in starting any new business. 

Can Social Security Be Saved? Yes With a Few Changes - This article offers practical, realistic solutions to saving Social Security for our generation, as well as for our children and grandchildren.  With the Social Security Trust Fund expected to run out of money within another 10 years, it is time that Congress stepped up and made the necessary changes.  This is more likely to happen if people understand what needs to be done, and make the effort to contact their Senators and U.S. Representatives and ask them to take action.  The alternative is that benefits could be cut at some point, which would simply force more people onto unfunded government programs such as welfare and food stamps.  That makes no sense at all.  Read the article and tell your government officials what you would like them do.   

Teachers, Public Employees, the WEP - GPO and Your Retirement - Did you know that public employees and teachers in about half the United States have their EARNED Social Security benefits cut by as much as 67% because they also get a public pension.  So, if they work as teachers or public employees, but spend part of their adult life working in the private sector, they get very little Social Security, even though they earned it.  In addition, this only happens in about half the U.S., because some states allow public employees to get their full earned Social Security benefits.  Learn more about this, and find out if your retirement benefits, or the benefits of someone in your family, could be affected.

Life Expectancy Differences Between Democrats and Republicans - Did you know that how you vote and where you live could make a dramatic difference in how long you might expect to live?  In fact, there is a 20 years difference in the life expectancy of Democrats who live in Democratic leaning counties, and Republicans living in Republican leaning counties, with Democrats having a life expectancy of 86 and Republicans having a life expectancy of 66.  This article comes complete with a long list of reference material at the end, so you can investigate the sources for yourself.  While this author is not a member of either political party, this information may give some readers something to consider the next time they go to the polls.  Do you really want to vote for candidates who have want to implement policies that could shorten your life or the lives of your loved ones? 

Lung Cancer Diagnosis - What Happens Next? - This article hit very close to home for me, since I was diagnosed with lung cancer in March of 2023, just six months after a close friend died of it.  Because I was so familiar with the topic, this article covers the symptoms, stages, treatments and resources to help lung cancer patients.  Having gone through this myself this year, I was particularly gratified to know that so many of my readers also were interested in learning more about the topic.  Unfortunately, that probably also means that many of my readers have either been diagnosed with cancer themselves, or have a loved one who has been diagnosed with it.

Maintaining Mental Health as We Age - One common issue with millions of Baby Boomers is that our mental health often declines as we age.  This article explains how to maintain our mental health through socialization, staying connected, eating right, exercise, getting enough sleep, finding hobbies, and seeking help.  Learn more about how to apply these methods in your life, so you do not fall into depression, anger, resentment and unhappiness as you get older, which happens to far to many of us.

Earn Extra Money During Retirement - Tips for Earning When You are Barely Scraping By - This article provides the reader with a variety of ways you can earn extra money when you are struggling to make ends meet on your Social Securityor pension alone.  These suggestions could also help people of all ages, and includes ideas like renting out unused space in your home, or earning money from your hobbies, as well as many others. Since so many people have trouble making ends meet, especially after they retire, these tips could make a huge difference in your life. 

Can Routine Vaccines Reduce Dementia Risk as You Age? What Else Can Lower Your Risk? - This article is based on several fascinating studies which show a correlation between getting routine vaccines, like those for the flu and shingles, and having a lower risk of developing dementia.  The studies have taken place in different states and nations, and they all seem to show the same result.  It is certainly worth considering.  Read more about the studies for yourself in this article. 

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Know someone who has been diagnosed with cancer?  Don't know how to show your support?  Give them this stainless steel bracelet that says, "Cancer Sucks." (Ad)  It is available in a polished steel silver color, or electroplated gold or rose gold finishes.  You can also have their name or a personal message engraved on the back.  It is a gift that they will cherish.

Find more gifts and personalized items of jewelry for retirees and others at my Etsy Store, DeborahDianGifts at:

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Enjoyed this post? Never miss out on future posts by following us.  You will receive a weekly email with the most current post. 

If you are interested in learning more about saving money, financial planning, Social Security, Medicare, where to retire, common medical issues as you age, travel and more, use the tabs or pull down menu at the top of the page to find links to hundreds of additional helpful articles.

Disclosure: This blog may contain affiliate links. If you decide to make a purchase from an Amazon ad, I'll make a small commission at no extra cost to you.

You are reading from the blog: http://www.baby-boomer-retirement.com

Photo credits:  Etsy and Laguna Beach Photo by Author

Friday, December 15, 2023

Making Friends as an Adult: The Art of Building Meaningful Connections

We can still make friends as we age.

Life changes as we get older, especially after retirement. We may move to a new community, far from the friends we knew in the past.  Even if we stay in the same area, some of our long-time friends may have passed away or moved to be closer to their adult children.  We no longer are connected to the people we worked with over the years and, gradually, those relationships may slip away.

Being lonely can be dangerous.  It is associated with worse health outcomes, and could contribute to developing dementia at an earlier age.  However, with so many life changes after retirement, how can we avoid becoming lonely when we feel less connected to our old friends?

Making friends as an adult can seem like a daunting task, especially if you've recently retired, moved to a new city, started a new job, or experienced a significant life change. Unlike the structured environment of a job or school, where friendships often develop organically, adulthood presents unique challenges when it comes to building new connections. However, with a little effort and a willingness to step outside your comfort zone, making friends, even as you age, can be a rewarding and fulfilling experience. Let's explore some effective strategies to help you navigate the journey of forming meaningful friendships as an adult.

Embrace Your Interests:

One of the most natural ways to make friends as an adult or retiree is to pursue group activities you genuinely enjoy. Whether it's joining a book club, attending a fitness class, getting involved in your place of worship, participating in a hobby group, or volunteering for a cause you're passionate about, engaging in activities that align with your interests will naturally connect you with like-minded individuals. Shared passions create a solid foundation for friendships to flourish, as you already have a common ground to build upon.

Be Open and Approachable:

Approachability is key when making new friends. A friendly smile and open body language can go a long way in encouraging others to approach you. Show genuine interest in people by actively listening to what they have to say. Ask questions and be curious about their experiences, opinions, and aspirations. Being approachable and genuinely interested in others makes it easier for potential friends to feel comfortable around you.  Be willing to share a little about your own background, but also stop talking about yourself long enough to ask others about their background, their families, and their interests.  Then, sit back and genuinely listen. You might be surprised at the interesting experiences other people are willing to share with you!

Attend Social Events:

Social events are fantastic opportunities to meet new people. Attend local festivals, social events, parties, or community gatherings. Be open to initiating conversations with strangers, and don't be afraid to introduce yourself. Remember that everyone is at the event to connect with others, so don't be shy about starting a conversation and sharing a bit about yourself.

If you have recently moved to a new retirement community, you will find that most of the people there also desire to meet their new neighbors.  They, too, want to form new connections!

Join Online Communities:

You can still make new friends, even if it is hard for you to get out and socialize as you age. The internet has made it easier than ever to find like-minded individuals and stay in touch with your family and old friends. Join online forums, social media groups, or platforms dedicated to your interests or hobbies. Engage in positive discussions, offer helpful advice, and connect with people who share similar passions. These virtual connections can often lead to real-life friendships and provide a safe space for introverts or those with social anxiety to ease into social interactions.

However, you also need to be cautious about online relationships.  Sadly, some people use these groups as a way to gain the trust of other members and then ask them for money.  Immediately cut off communication with anyone who begins to hint that they need money.  

You should also avoid getting into heated political or religious discussions with others online.  This will only make it harder to form friendships with others. 

Be Patient and Persistent:

Building genuine friendships takes time and effort. Don't be discouraged if you don't find your tribe right away, especially in a new community. Be patient and persistent in your pursuit of meaningful connections. Keep attending events, joining clubs, and engaging with others, even if it feels challenging at times. True friendships are worth the investment, and the process itself can be enriching and enlightening.

Be Authentic:

Authenticity is essential when making friends as an adult. Be yourself and embrace your uniqueness. Pretending to be someone you're not just to fit in will ultimately lead to superficial connections that lack depth. Embrace your quirks and vulnerabilities, as they make you relatable and genuine. When you are authentic, you'll naturally attract people who appreciate and value you for who you truly are.

Be Accepting and Uncritical

By the time we have reached our 50s or 60s, many of us have had a lot of life experience.  This can cause us to feel as if we know more than other people, and we can even start to believe we know what is best for others.  Learning to keep our strong opinions to ourselves, and being less critical of other people will make it easier to find friends.  Everyone wants to be accepted just as they are, and criticizing other people for the choices they have made is only going to cause hurt feelings.  Having an accepting and uncritical attitude will also ease strained family relationships, thus improving those connections, too.

Show Empathy and Support:

Friendships are nurtured through mutual support and empathy. Be there for your potential friends during both happy and challenging times. Celebrate their successes and offer a listening ear and a caring heart during their struggles. Being a reliable and empathetic friend fosters trust and strengthens the bond between you and others.

If you hear about a friend or neighbor who is going through a challenging health emergency, offer them a ride to a medical appointment, or take them a meal, or even a few cupcakes.  Just showing them how much you care will be greatly appreciated.  You may never know how one act of kindness can change a life!

Step Out of Your Comfort Zone:

Making friends as an adult often requires stepping outside of your comfort zone. Be willing to take the initiative to plan outings, invite people to join you in activities, or attend events. Embrace new experiences, as they offer great opportunities to meet new people and expand your social circle.

You might even occasionally invite your new friends or neighbors over for dinner, a barbecue, or just some morning coffee or an evening glass of wine on your patio.  Extending casual invitations to friends is a lovely way to get to know others better and deepen your friendships.

Over the years, every time my husband and I moved to a new neighborhood, we always made the first overture to our new neighbors by hosting a block party and inviting everyone who lived nearby.  It made it easier to get to know everyone quickly, and we never regretted reaching out to our neighbors within a few months of moving into a new home.

While making friends as an adult might not be as effortless as it was during our school days, the rewards of meaningful connections are well worth the effort. Embrace your interests, be open and approachable, attend social events, join online communities, be patient and persistent, be authentic, be less critical, show empathy and support, and step out of your comfort zone. By applying these strategies, you'll increase your chances of forming lasting and fulfilling friendships that enrich your life and the lives of those around you.

Remember, friendship is a beautiful journey of shared experiences, laughter, and support, and it's never too late to embark on that journey. So, take that first step, and let the world open up to you in ways you never imagined.  It could also keep you healthier and help you postpone dementia as long as possible!

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Don't forget to nurture your friendships, too.  When I was a Girl Scout leader, we taught the girls this song.  "Make new friends, but keep the old.  One is silver and the other gold."  In other words, even as we make new friends, be sure to reach out to the ones you are still in contact with from the past.  Send them holiday and birthday cards.  Call them occasionally.  

If you are looking for small gift ideas for your friends, you might want to check out my Etsy shop at:


It has a number of inexpensive gift ideas to send a friend for any special occasion, including this bracelet.  The gift box can easily be personalized, too, at no extra charge, if you contact me on my Etsy shop with the personal message you want to send.

Enjoyed this post? Never miss out on future posts by following us.  You will receive one weekly email containing the most current post. 

If you are interested in learning more about common issues as we age, financial planning, Social Security, Medicare, where to retire, common medical issues as you age, travel and more, use the tabs or pull down menu at the top of the page to find links to hundreds of additional helpful articles.

Disclosure: This blog may contain affiliate links. If you decide to make a purchase from an Amazon ad, I'll make a small commission at no extra cost to you.

You are reading from the blog:  http://www.baby-boomer-retirement.com

Photo credits: Google Pixabay images and my Etsy Store 


Wednesday, November 29, 2023

Can Routine Vaccines Reduce Dementia Risk as You Age? What Else Lowers Your Risk?


 Unlike most topics which are covered here, I was hesitant to discuss the subject of vaccines because they have become so controversial.  However, the October 2023 AARP Bulletin reported on an interesting study about the relationship between vaccines and dementia.  It may or may not affect your decision to stay up-to-date with your routine vaccinations, but it may help some people make a thoughtful decision.

The core discovery from Paul E Schulz, an M.D. and Professor of Neurology, as well as the Director of the Neurocognitive Disorders Center at the McGovern Medical School at the University of Texas Health Center in Houston, said "There is the potential fringe benefit of vaccination, which is reducing the risk of Alzheimer's."

Fascinating, to say the least!

Of course, this does not mean that everyone who gets vaccinated for the flu and other diseases will never get dementia.  It also does not mean that everyone who decides against being vaccinated will definitely develop dementia.  It only means that getting regular vaccinations for common illnesses like the flu, Covid and Shingles will improve your odds of avoiding dementia.  

Researchers have long observed that our behaviors during our adult lives play a significant part in determining whether or not we will have dementia in later years.  Getting our vaccines may be just one more factor we need to consider. 

What are the Facts About Vaccines and Dementia Risk?

Researchers such as Schulze from the University of Texas, as well as other researchers around the world, have made the following observations:

1.  People who get vaccinated for the flu and other infectious diseases are less likely to get dementia. They speculate that it might be because, when you get sick from the flu and other infections, we become more likely to get dementia. They aren't certain, but they have observed that there seems to be a relationship between vaccines and dementia which indicates that vaccines appear to offer a substantial protection to the brain.  

2.  When they compared two groups of 935,887 patients each, in the U.S,  researchers learned that those who had at least one flu vaccine over a four year period were 40% LESS likely to develop Alzheimer's, compared to people who were not vaccinated.  The more vaccinations the patients had received, the better off they were.  It does appear that vaccines are causing people to be protected against some types of dementia.

3.  The flu vaccine was not the only vaccination which seemed to protect against dementia. When elderly people received the Shingles vaccine in Wales, the group who were vaccinated had about a 20% lower dementia risk over a seven year period compared to those who were not vaccinated against Shingles.

4.  When Schulze and other researchers at the University of Texas studied the effects of a variety of vaccines, including those for shingles, pneumococcal pneumonia, and the Tdap vaccine for tetanus, diphtheria and pertussis (whooping cough), they discovered that those who were vaccinated against these diseases also had a lower rate of dementia. 

5.  Virologist Robert T. Schooley, an M.D. and infectious disease specialist at the University of California in San Diego, also noticed that people who have chronic inflammation from diseases such as HIV show signs of faster cognitive decline.  This indicates that diseases which seem unrelated to Alzheimer's may still play a factor in developing dementia.

6.  It seems that using vaccines to avoid a wide variety of diseases can play a significant role in avoiding dementia.   

What Else Can You Do to Reduce Your Dementia Risk?

Researchers at the University of California in Irvine, the Cleveland Clinic, as well as others, have also discovered additional ways to avoid or postpone dementia.  Sometimes they are called the Six Pillars of Brain Health. These include:

1.  Eat a healthy diet with a "plant-slant."  Good examples are the Mediterranean Diet and the MIND Diet.

2.  Get regular exercise, at least 150 minutes a week, to increase the blood flow to your brain.

3.   Exercise your brain with activities such as reading books and working puzzles in order to slow down cognitive decline.

4.   Get at least seven hours of sleep each night to help your brain "cleanse" itself and remove the toxins that build up during the day. 

5.   Have regular physical exams and follow your doctor's instructions in order to stay as healthy as possible.  In particular, you want to do whatever you can to avoid strokes, heart disease and similar problems which can have a devastating effect on your brain.  Since Covid-19 has been shown to increase your risk of a stroke or heart attack in the following months, getting the Covid-19 vaccine is another way in which vaccinations could have a protective effect on your brain and lower your dementia risk.

6.   Socialize, socialize, socialize.  We need human connections, stimulating conversations, and a sense of being a part of a community in order to keep our brains operating at their best. 


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Many people believe that having a sense of gratitude can also help keep your brain healthy.  Being grateful for what we have and for the people in our lives is a good attitude to have for healthy mental health, and when working to maintain positive relationships with friends and families.  

You may want to get yourself something like this engraved bracelet, available in steel, gold or rose gold finishes, as a reminder of the importance of gratitude in your life.  You can personalize it with a name or significant date on the back.

Look for it and a wide variety of other gifts and jewelry at my Etsy Store, DeborahDianGifts at:

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Enjoyed this post? Never miss out on future posts by following us.  You will receive a weekly email with the most current post. 

If you are interested in learning more about saving money, financial planning, Social Security, Medicare, where to retire, common medical issues as you age, travel and more, use the tabs or pull down menu at the top of the page to find links to hundreds of additional helpful articles.

Disclosure: This blog may contain affiliate links. If you decide to make a purchase from an Amazon ad, I'll make a small commission at no extra cost to you.

You are reading from the blog: http://www.baby-boomer-retirement.com

Photo credits:  Etsy and Pixabay

Wednesday, November 15, 2023

Earn Extra Money During Retirement - Tips for Earning When You are Barely Scraping By


Retirement is often seen as a well-deserved break from the daily grind, a time to relax, travel, and enjoy the fruits of your labor. However, for many retirees, financial concerns can cast a shadow over this period of life. The good news is that there are various ways to earn extra money during retirement, allowing you to supplement your income, pursue your passions, and maintain your financial independence. Let's explore some creative and practical ways to earn extra income during your retirement years.

Part-Time Work

One of the most straightforward ways to boost your income during retirement is by taking on part-time work. Many retirees find fulfilling roles in areas like retail, customer service, consulting, or tutoring. You can leverage your decades of experience and expertise to land positions that suit your interests and availability.  

If you decide on working part-time with the public, such as working in retail, it could also help you postpone dementia!  Research shows that expanding the amount of time you spend socializing has a positive effect on our brain health.

On the other hand, if you want to stay close to home for health or other reasons, it is possible to earn extra money doing things such as tutoring online.  If you have experience teaching math, reading or other skills, this could be an excellent way to increase your income safely from home, and work your own hours.  Just promote your new business through friends, flyers, a website, or local sites like Nextdoor.  

Freelancing and Consulting

If you have specialized skills or knowledge in your field, consider freelancing or consulting. Platforms like Upwork, Freelancer, or Fiverr can connect you with clients seeking your skills. This allows you to work on projects at your own pace while earning extra income.  Many people turn to these sites to get help with projects they are unable to complete on their own.  As a result, if you are good at graphic art, setting up webpages, or have other computer skills, you may find you can earn a nice extra income through these sites.

Another way you can profit from freelancing is to write your own book and upload it to the free website called CreateSpace.  This is an Amazon affiliated company which allows writers to create their own books, and list them for sale on Amazon.  You determine the sales price and the amount of profit you will earn from a sale.  I have several books listed on Amazon, including my most popular book, "Your Guide to a Fabulous Las Vegas Wedding." (Ad)  I wrote it after several friends and family members were married in Las Vegas, and a number of people asked me questions about it. You can write fiction or non-fiction, and it costs you nothing upfront to have your book published on demand.  Amazon takes a portion to cover their printing costs, and you keep the profit. 

Rent Out Your Space

If you have extra space in your home, consider renting it out through platforms such as Airbnb. This can be a profitable way to use your home and earn extra cash without a major commitment.

However, do not just limit yourself to renting out your house. If you do not want to deal with having strangers in your home, consider renting out space in your garage, shed or basement for storage. Many people would love a place to store an extra car, use as an artist's studio, or for similar purposes.

Pursue Your Hobbies

Learn more at deborahdiangifts.etsy.com (Ad)

Retirement is an excellent time to focus on your passions and hobbies. Whether it's photography, painting, crafting, or gardening, you can turn your hobbies into profitable ventures. You can sell your creations online through platforms like Etsy or teach workshops and classes in your community.  This is an excellent way to sell your home crafts, including artwork, knitting, or woodworking.

It is easier to earn money on these platforms than you think.  For example, the writer of this blog also has an Etsy store and, within a few months, started making regular sales.  My shop is deborahdiangifts.etsy.com (Ad) where I design and sell a variety of gift items, including jewelry, t-shirts, mugs and more.  I don't even have to make or ship the items myself.  I simply design them on the website of a dropshipping company which will make the products on demand, after they are ordered, and ship them to the buyers.  It is a fun way to use your artistic talents to earn extra money.  

Online Content Creation

The digital age offers countless opportunities for content creation. If you're tech-savvy and enjoy writing, blogging, making videos on YouTube, or even starting a podcast, you can generate income through ads, sponsorships, and merchandise sales.  If you like to write or create content, and you are passionate about a topic, you may be able to earn extra money in this way.

Share Your Knowledge

Your wealth of life experiences can be valuable to others. Consider offering coaching, mentoring, or life advice services. Many people are willing to pay for guidance from those who have navigated similar life challenges.

Invest Wisely

While not an immediate source of income, investing wisely can yield returns that supplement your retirement income. Consult with a financial advisor to create an investment strategy tailored to your needs and risk tolerance.  Try not to use your retirement savings, or even live on the income it produces, for as long as possible.  You want to use the power of compounding to increase your future income as much as possible, so you have it when you really need it. 

Online Surveys, Market Research and Online Games

Completing online surveys and market research can provide a small but consistent source of income. Many companies pay for your opinions on various products and services.  In addition, downloading free apps like Solitaire Cash and Bingo Cash can make it possible for you to win money which is paid to you securely through PayPal, Apple Pay, or directly into your bank account.  (However, in the interest of safety, I recommend that you not give them your bank account information until you are comfortable with these apps and their security. In addition, never sign up for a site that charges you to participate.)

Pet Sitting or Dog Walking

If you love animals, then pet sitting or dog walking can be a delightful way to earn extra income. Websites like Rover and Wag! can connect you with pet owners in your area.  Check with the Small Business Administration in your area to make sure you are following all the necessary legal requirements. 

Sell Unwanted Items

Decluttering your home not only creates a more comfortable living space but can also help you earn extra money. Sell unwanted items through garage sales, online marketplaces like eBay, or local classifieds.  If you have spent years accumulating more items in your home than you will ever use, retirement is a good time to begin to let go of some of them.  It will simplify your life and could help earn you some money.

See If You Qualify for Public Assistance

If you are really struggling financially, you may also qualify for some types of public assistance.  For example, you might be able to get SSI (Supplemental Security Income), if your Social Security benefits are extremely low. You might also be eligible for SNAP (food stamps) or housing vouchers.  If you are not old enough, yet, for Medicare, you may be eligible for a low cost medical insurance plan through the Affordable Care Act (Obamacare).  If you are struggling to buy food and pay for your other expenses, find out about the food banks in your area.  They could help you stretch your food dollars much further. 

Conclusion

By exploring these creative ways to supplement your income, you can continue to live comfortably and pursue your dreams during your retirement years. Remember, the key is to find a balance that allows you to enjoy both your newfound freedom and financial stability. So, go ahead and explore the opportunities that suit your interests and skills, and unlock the potential for a fulfilling and financially secure retirement.


Order from DeborahDianGifts.etsy.com 

As mentioned above, I have set up an Etsy store as a fun way to help others and supplement my own retirement income.  One example is the lovely anniversary necklace you can see shown here.

You can even have the custom message on the card inside the gift box personalized with whatever message you would like to share with a loved one.  Just let me know what you would like it to say.  I also carry a beautiful line of affordable engraved jewelry in my shop.

 You can check it all out at:

  DeborahDianGifts.etsy.com (Ad)

You will find a wide selection of lovely jewelry, including items which can be engraved with a special name, date or short slogan.


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Photo credit: Pixabay and Etsy.com