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POCKETBOOK

This pocketbook offers clear, everyday steps to help elders manage income, cut unnecessary costs, and build steady savings. It also shares simple safety tips to protect against scams and keep money secure.

notebook

01

Budget Wisely

Track your income, expenses, and savings in simple ways. Use a small diary or free mobile apps to stay on top of daily spending. Setting even a small monthly goal builds financial security.

Quick Tips:

  • Write down pensions, rent, and bills

  • Separate fixed vs. variable expenses

  • Save ₹500/month (or any amount possible)

  • Review your spending weekly image to go with this

02

Safe Investments

Choosing the right investments keeps money safe and growing. Stick to trusted options and avoid risky “get-rich” offers.

Good Options:

  • Senior Citizens Savings Scheme (SCSS)

  • Post Office Monthly Income Scheme (MIS)

  • Fixed Deposits (FDs)

  • RBI Bonds

Avoid: unknown companies, “double money” schemes

stocks
phone scam

03

Stay Safe from Scams

Scammers target elders through calls, texts, and emails. Protect your money and never share private details.

Safety Rules:

  • Never share OTPs, PINs, or passwords

  • Avoid public Wi-Fi for banking

  • Don’t believe prize or lottery emails

  • If cheated → Call 1930 (Cyber Helpline)

04

Health & Emergencies

Health costs can be sudden and heavy. Planning ahead helps reduce stress.

Steps:

  • Keep medical bills organized (insurance + budgeting)

  • Get insurance that covers hospitalization

  • Save a small monthly amount just for health

  • Use government schemes (PM-JAY, local health centers)

medical bills
will

05

Plan Your Legacy

Leaving clear instructions saves families confusion and conflict later.

Essentials:

  • Write a proper will

  • Keep ID, insurance, and medical papers ready

  • Remember: a nominee is not always an heir

  • Share plans with trusted family members

  • Facebook
  • Twitter
  • LinkedIn
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