Each year, many seniors fall victim to credit card schemes, forged checks and bad investment scams. Not only are many of them coping with health problems and spiraling medical costs, but they are particularly vulnerable targets for financial scammers. In addition to federal efforts to protect older Americans, many states have put programs in place to try to prevent elderly residents from being scammed.

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While retirement often seems be just a distant dream for many of us, eventually we all hope to reach a point in our lives when we can leave the ranks of the workforce. Hopefully, we will have followed the financial principles of the Bible and set aside enough savings to maintain a comfortable lifestyle in our retirement.

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We allow know how important it is to live within our means but when special events come up things can be really stressful. Often with rare occasions such as birthdays, weddings, graduations, holidays, and other major life events there is a lot of pressure to go above and beyond what we would normally spend in order to prove how special the time is for us.

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