Your mom needs home care. She struggles to keep the floors swept and mopped. She can’t carry laundry down to the basement since her fall. She forgets to take her medications. Her doctor said her vision is worsening and driving when it’s dark is not advisable.
It’s clear home care aides are needed, but your mom already lives from paycheck to paycheck. You have no idea where to find the money that’s needed for home care services.
Here are some suggestions.
Look at Cost-Cutting Measures With Household Expenses
Are there any bills you can trim? If your mom is paying for high-speed internet and never uses her computer for more than checking emails, she may save money with a plan that has slower speeds. If she never watches TV and is paying for cable television and internet bundle, you could drop that service and pay only for internet.
Does your mom shop using coupons? Coupons can often trim a percentage off monthly grocery expenses. She could also be using apps like Ibotta or Checkout 51 to get rebates on groceries she purchases.
In certain areas, property tax discounts are extended to senior citizens and vets. Utility companies may also extend discounts to seniors and vets. It’s worth looking to see if any of the companies your mom uses for gas/oil, home and car insurance, and electricity provide discounts.
Sell Unused Items
Your mom has three TVs in the house, but she only watches in her living room. Sell the other TVs. Go through her home and find items that you can sell for cash. This gives you a start into the funds you’ll need to pay for caregivers.
If your mom enjoys any crafts or hobbies, sell her creations. She can sell knit blankets, pottery, and photography on sites like Etsy or Ebay. That extra income can help with home care expenses.
Limit the Hours Your Mom Needs Care Services
You have one day a week when you could go be with your mom. Your sister has half a day free, and your brother is also available for half a day. Create a schedule where everyone is chipping in to help out your mom.
Once the schedule is created, see where there are gaps in care. Caregivers can come in and fill those gaps. By limiting the number of hours home care services are needed, you’ll cut costs.
Talk to our home care agency about the rates for our caregivers. Many people don’t realize you can limit the number of hours to help keep costs down. They may have other suggestions on paying for caregivers. Call today to learn more.