School District Recognizes Retirees

By the time people reach their 50th birthday, many have begun to imagine what their life in retirement may look like. People may seek ways to reduce their financial load in anticipation of the day when they will no longer work. Cutting back need not be complicated, and the following are some simple ways for individuals to save money. - Address unsecured debt. Unsecured debt, which can include credit card balances and medical bills, tends to carry higher interest rates than debts that carry a collateral requirement. According to the Federal Reserve, roughly 12.5% of individuals over 50 still have student loan debt, which is another type of unsecured debt. If possible, people over 50 should pay off these debts immediately or make their best effort to pay extra each month so the debts are paid off as soon as possible.

- Pay in cash. It’s not enough to simply pay off unsecured debt like consumer credit. It’s also important to stop accruing additional debt. Individuals over 50 should resist the temptation to use their credit cards, instead paying with cash or debit cards. Credit card debt is often characterized as a problem for young consumers, but a 2021 report from ValuePenguin found that the median credit card debt among individuals between the ages of 55 and 64 was higher than it was for consumers ages 35 to 44. Paying in cash, whether it’s with paper currency or a debit card, ensures you’re not digging yourself into debt. - Re-examine your housing situation. Adults 50 and over who purchased their home in their late 20s or early 30s are likely nearing the maturity date on their mortgages. If so, paying a little extra toward the principal each month will help to pay off the mortgage a good deal earlier than paying the same amount you’ve been paying for years. Although paying extra money each month may not seem like reducing one’s financial load, it will do so considerably over time. For example, the financial experts at Wells Fargo note that individuals with a fixedrate mortage loan of $200,000 at 4% can cut the term of that loan by more than four and a half years by paying as little as $100 extra each month toward their principal. Homeowners over 50 who have already paid off a significant percentage of their mortgage loans could bring these loans to maturity much sooner if they start paying more toward principal now. Since housing costs are many people’s greatest expense, removing a mortgage payment from your financial ledger by the time

Tips For Seniors To Lessen Their Financial Load School District Recognizes Retirees

you reach 55 could create significant financial flexibility as you get closer to Solanco School District’s 2022 retirees are (front, from retirement. left) Jeff McCardell, Jo Ann Sweigart, Brenda Smith, Individuals over 50 can Melissa Evans, (back) John Kump, Todd Silimperi, Sharon utilize some simple yet effec- Musselman, Judy Argue, and Linda Robinson. They repretive strategies to reduce sent more than 222 years in education. They were recogtheir financial obligations as nized by their principals at the May 2 board meeting. retirement nears. SINGING SPRING Specials Monday, July 4th FOODS thru Wednesday, July 13th While Supplies Last

Friends frompg 10 thought to their interests outside of work or passions they hope to pursue now that they have more time to commit to such pursuits. The more interested a person is in a given activity, the more likely he or she is to stick with it and possibly meet like-minded individuals who may become friends. - Utilize social media. In years past, men and women over 50 may not have had readily available tools to reach out and connect with new people. Social media has made it easier to build such connections. Even the most obscure passions likely have a social media group of locals devoted to them, and these groups can be great ways to meet new people. A local runners’ club may have its own social media accounts, and local governments and community groups often share information about sports leagues and other groups via social media. - Sign up for group outings. Communities often sponsor group outings to museums, theatrical productions, sporting events, and more. Signing up for a bus trip to a local museum presents a great opportunity to meet people who share one’s interests, providing the potential to build lasting friendships. - Broaden your horizons. Just because people are in their 50s does not mean their friends have to be. Friends come in all ages, so don’t hesitate to invite younger or older acquaintances and colleagues over for dinner or on weekend excursions.

Making friends after 50 can be challenging. However, various strategies can help people in this age group to connect with new people.

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