Make Ends Meet

You're probably right. I don't know much about other areas but it does seem that many retired folks are struggling.

@rebelann They truly are. I have a neighbor who had a lot of expenses due to being ill and having surgery. Endless trips to a specialist, etc. added up and she is truly struggling. I didn't know it was so bad for her--when she got home from the hospital, I made her a pot of soup and took it over to her. She was so grateful and said she would be having it for dinner. I found out several days later that the soup I made her was practically all she had in the house to eat. I didn't know what to do...I made her another meal and took it to her, but I didn't want to embarrass her--I just told her we had extra and knew she was still recovering. I snuck around and asked some other neighbors to ''gift'' her a get-well dinner or two...between us all we got her through it until she reached her payday. I fear there are many more like her, just sort of doing without basic necessities, like FOOD. So sad.

I think the cost of living everywhere is higher than anyone's social security. I am as frugal as I can possibly be. All we can do is the best we can do.

Same with me and never again

@Marilynda1225

@Gilljane I was supposed to apply a credit card before. It just happened that my friend did this. So, I changed my mind and try my best not to work harder.

I am glad that you are not having any dilemmas when it comes to this concern.

@Shavkat Gcash loan?

@averygirl72 Yes, you can. You cna check it out.

My sister has them, too. I think she can manage to use them wisely. If I really need it, I might only use the GCash credit.

I am also trying not to spend that much. I usually take my time to think and rethink before buying something.

@Shavkat - I am no more young, I only buy what I really need. I almost only buy food now.

@LadyDuck I am jealous that you do not need to worry about this thing. In time, I would want to be living comfortably.

I think it is a good idea not to have it. It is a big temptation to overspend to certain things. There are some people trying to persuade me, but they never win.

@Shavkat Yup! You're right. The temptation is always there but we have to learn to just say "No.".

@DaddyEvil There is no problem for me to say no. Some cannot control themselves and give in without any second thought.

I can feel you. At least you can control yourself now. Unlike the others that I know of, they still have this habitual problem.

I am not closing the door the idea of having one or two. For now, I do not need it yet.

Thanks to my friend. He showed me the downside of having a credit card. Whenever I am thinking about it, the more I feel bad for his mom.