By Cheryl Wilkinson
For those seeking to gain financial literacy — especially those trying to manage a low-income household — free, accessible resources are key. Accessible might mean the library computer terminal and its Wi-Fi hookup, but the results are worth it.
Budgeting when debt looms, when funds for medical/dental expenses are needed but not available and when savings seems out of the question are all parts of gaining financial literacy. Financial literacy is not intuitive — it’s not something we should just “know” without guidance. It is an area of study now being taught in most middle and high schools around the world. However, this is a new phenomenon which means that many older adults have not had the benefit of this type of education and may be struggling harder than they need to just to get by week to week and day to day.
According to the Center for Retirement Research in Boston, over half of Americans do not have adequate savings to maintain their lifestyle after age 65. More worrying, 39 percent of Americans currently report that they cannot cover a $1,000 emergency cost with existing cash reserves.
For all of us, no matter where we sit on the socioeconomic spectrum, we can gain from seeking out financial management resources so we can better understand our position in this changing world. Here are a few free resources from three leading nonprofits for both individuals and financial literacy educators:
• National Financial Educator’s Council (NFEC): https://www.financialeducatorscouncil.org/financial-literacy-for-low-income/. “The NFEC is an independent organization that helps people of all ages and income levels become financially literate.”
• InCharge Debt Solutions, debt management resources: https://www.incharge.org/financial-literacy/. “InCharge develops and distributes personal finance education, free-of-charge, to children and adults, nationwide.”
• The Jump$tart Coalition has been providing resources since 1995: https://www.jumpstart.org/. It promotes financial literacy and support financial education. It has been particularly active in engaging schools for early learning in financial matters.
You can see our website for other resources on aging, active engagement, provider education, caregiver resources and information about ASI programs in Archuleta County, as well as contact information for making reservations at The Community Café for take-out and for Meals on Wheels at: http://www.psseniors.org/.
The Community Café in the Pagosa Springs Senior Center is requesting volunteers to help with the lunch desk. Please call (970) 264-2167 to volunteer or for more information.
Meals on Wheels
The Senior Center Meals on Wheels program delivers approximately 3,000 fresh and frozen meals a year. We deliver fresh Meals on Wheels five days a week (and provide frozen Meals on Wheels for weekends) to homebound Archuleta County residents to help them stay healthy and independent in their own homes.
This program is vitally important because many seniors have little to no access to nutritious meals. They are often too frail or have health complications that prevent them from preparing meals for themselves or from using the Senior Center’s Community Café drive-thru meals pick-up site Monday though Friday.
The Senior Center needs volunteer Meals on Wheels Drivers for one day a week (or become part of our substitute driver team). Please join us as part of our driver team and build wonderful relationships with the seniors in our community. Call (970) 264-2167.
Dishes and china
Have old dishes or china that you no longer want to use or store? The Community Café is accepting donations of old dishes or china. Please call (970) 264-2167 for more information or to donate.
Take-out meals continue at Senior Center
In order to continue providing meals, the Senior Center is offering take-out hot meals and a salad with a drive-up option under the portico at the Ross Aragon Community Center.
These meals will be available Monday through Friday between 11 a.m. and 1 p.m. There is a $4 suggested donation for lunch for those age 60 and better. If you need to have your meal delivered, please call (970) 264-2167 to see if this option is available in your area.
The cost per meal for the public age 59 and under is $8.50. The meals include a salad, hot meal, drink and dessert or bread.
Please call (970) 264-2167 to make a reservation for pickup. We are also continuing our Meals on Wheels program.
There will be no games, classes or presentations during this time. The staff will be available by phone. If you need to speak to a staff member, please call (970) 264-2167.
Community Café menu
Thursday, Sept. 2 — Crunchy baked catfish with tartar sauce, broccolini, milk, salad and key lime pie.
Friday, Sept. 3 — Beef stroganoff, green beans, milk, salad and cherry crisp.
Monday, Sept. 6 — Closed for Labor Day.
Tuesday, Sept. 7 — Baked salmon with lemon butter sauce, wilted spinach, milk, salad and strawberries Romanoff.
Wednesday, Sept. 8 — Pork posole, baked rice, milk, fruit salad, flan and mixed nuts.
Thursday, Sept. 9 — Beef meatloaf, mashed potatoes and gravy, dinner roll with butter, milk and salad.
For your convenience, you can make your reservations in advance or have a standing reservation on days you know you will always pick up. Please cancel if you cannot attend on your standing reservation days. We want to thank everyone for their support by observing our reservation policy. This helps ensure that everyone with reservations receives a meal and enables us to provide additional and healthier meals.
Due to COVID-19, food supplies have been affected. Substitutions will be made accordingly.