Unfortunately, far too many of us have discovered that limited mobility can also limit the type of work you do and your flow of income. It could mean learning an entirely new trade or discovering new ways to perform in the job you’ve trained for all your life. It may even mean becoming unable to work entirely and living on a limited income. Whether or not your mobility affects your income, it’s likely that medical care affects your budget. Even your taxes can be affected. Here are some hard-earned money-saving tips from personal experience and savvy spenders.
Make the Most of Memberships
Are you a member of AAA? How about the AARP? Do you have a membership to your local grocery store, co-op or similar free or low-cost shopping club? Do you love books featuring legal thrillers or other genres where book clubs are regularly available? Signing up for these types of memberships can result in big savings over time. If you get your medical supplies from a specific store or outlet, ask if they have membership incentives.
Your doctor can also direct you towards places that give percentage discounts or even cash-back incentives to regular shoppers. Senior and AARP discounts are far from all there is. Even younger people facing limited mobility can get discounts on everything from places like Amazon Prime if they fall into certain groups, including students, teachers, parents or those receiving medicaid and other forms of government assistance.
Get Groceries Delivered to Your Door
If you’re in a state similar to mine, a trip to the grocery store is often out of the question or at least a very limited and exhausting affair. The best way I’ve found to overcome this is with home grocery delivery available locally. You can get the same discounts shopping online for the things you buy every day at low or no shopping cost. Many companies will even waive the delivery charges for those with disabilities, and others go out of their way to provide additional assistance as needed.
Grocery delivery services available in the United States include:
- Albertsons, Safeway, and Whole Foods will deliver groceries to your door. Deliveries are available in two hours or less in some places.
- Kroger delivers groceries using Instacart, which provides services similar to Uber for freelance delivery.
- Walmart can have groceries and other items available for curbside pickup, eliminating the need to traverse their massive stores.
Look for Savings on All Big Purchases
The savings you get on everyday items can really add up over time, but it’s those big purchases that we tend to dread. For instance, doctors recommend replacing mattresses every eight years, but that can be a big cost. You can go down to the store and lie on a mattress while a salesman chirps features at you and sees dollar signs, but it’s better to check for trusted mattress reviews and comparison shop online to find the right mattress for your budget.
Similarly, a massive comparison tool like Google Shopping lets you look at hundreds or even thousands of both online and local store inventories. So even if you got sold on that weird mattress at the store, you can come home and order it online with free shipping at a fraction of the cost of the in-store retail price plus delivery fees. The same goes for car or mobility-assisted van purchases, and some dealerships will even give you a discount or a rebate if you have to have your vehicle refitted for your mobility gear.
Save on Unexpected Medical Trips
Let’s face it, you’ll likely be visiting the doctor at some point in the near future. Planning for scheduled visits is easy, but what about when things come up and your appointment is months off? You may not know that you can save serious cash on out-of-pocket expenses by visiting an urgent care center vs. an emergency room. While both keep longer hours than a doctor’s office, the savings you get by going to urgent care make it worthwhile for all but life-threatening illnesses and injuries. That’s more money in your pocket for everyday things or savings.
Revise Your Budget Regularly
Create a budget with everyone in your family and update it regularly, instead of just when life-changing financial events come along. Waiting for the big events to happen before revisiting your income and expenses may well leave you unprepared for when they sneak up on you. Don’t trust your peers or friends to handle your finances for you when you’re still capable, financial literacy is pretty rare these days. Take matters into your own hands for a happy and healthy financial future, and if you’ve got any tips to share, please leave a comment below! Image courtesy:
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