This article is written for people who are still employed. We are retired and squeeze through each month financially. We have no emergency fund. In addition, we have no savings. Fortunately, the debt we are paying off is informal. It is to 'benefactors' but not to any companies. Our 'contract' is word of mouth and friendly. It is not on our credit report.
At our age, life can be short and we wish to save for some pleasurable things in addition to covering for emergencies and debt pay off. We just can't seem to get over the hump of living barely from month to month.
We sure could use some suggestions. BTW we have around 800 plus credit scores.
