Guidelines for the rational use of pensions for the elderly
The pension crisis of the elderly in rural areas.
The pension of the elderly in rural areas is very limited, only more than 100 yuan per month, and such a meager pension, whether in the city or in the countryside, is not enough for their expenses. Therefore, for these elderly people who receive a pension of around 100 yuan per month, they must be used sparingly and can only be used for basic necessities.
These old people are advised not to spend money indiscriminately, after all, such a small amount of money is really very little. Most of these elderly people live in their hometowns and live very independently, with a monthly pension of only 100 yuan, which has become their only income**. Therefore, these elderly people should make good use of their retirement funds, which can only be used to meet basic living expenses, and must not be diverted for other purposes.
Taking a monthly pension of more than 100 yuan as an example, these elderly people have to plan to buy a barrel of cooking oil every two months, which costs about 35 yuan; Buy a 25-basket bag of rice every month, about 65 yuan; Buy 30 eggs a month, about 18 yuan; Buy two baskets of pork, about 30 yuan. The pensions of these elderly people are basically spent, and some are not enough.
Of course, these elderly people living in the countryside also need to grow some vegetables to support themselves and collect some firewood for cooking. Basic life problems can be solved. However, for some elderly people who have hobbies such as smoking, drinking, playing cards and other expenses, they can only rely on their children to support them, or find ways to raise funds on their own. For the elderly, who receive a pension of around 100 euros per month, this money cannot be used for anything else, only for basic expenses of daily living, or even for medical and medical expenses. Expenses related to clothing and bed linen should be borne by the child.
Pension surplus of urban pensioners.
Compared with the elderly in rural areas, the pensions of urban retirees are more than 2,000 yuan, and their lives are relatively well guaranteed whether they live in urban or rural areas. After deducting basic living expenses, these elderly people can still have a monthly pension balance. If they get sick, they can rely on health insurance to pay for part of their medical expenses, and their own expenses are also very low, and they can take care of themselves completely. Compared with ordinary farmers, the life of insured urban workers in their later years is several times better"Old and nowhere to go"。
The pensions of these urban retirees sometimes exceed their daily needs and can be used as part of the financial support for their children, or to meet their hobbies, such as playing cards, entertainment, traveling, collecting, etc. At the same time, these pensions can also be used to cover living expenses. In short, for such elderly people, the pension can not only be fully utilized, but the remaining part can also be used to improve the quality of life and enjoy more fun.
Personal views and lessons learned.
It can be seen that there is an imbalance in the distribution of pensions among the elderly. For the urban retired elderly, the pension is relatively sufficient, and there is more room for consumption and enjoyment, but for the rural elderly, the pension is very limited and can basically only meet the basic living needs.
Personally, I believe that the old-age security for the elderly in rural areas should be strengthened to improve their economic situation. **Consideration can be given to raising the pension standard for the elderly in rural areas, so that they have more disposable income and improve their quality of life. At the same time, we will improve the social assistance system and provide more help and support for groups with special difficulties.
In addition, the elderly also need to have the correct concept of financial management and consumption when using pensions. No matter how much or too little the pension is, the elderly should plan and use it reasonably to ensure that the pension can sustain their lives for a long time. At the same time, the elderly should also combine their own actual situation, avoid blind spending, and ensure that the pension is effectively used.
It is believed that with the joint efforts of the family, society and the elderly, the pension problem of the elderly can be gradually improved and solved, so that every elderly person can live a happy and happy old age. It is hoped that all sectors of society can pay attention to the pension of the elderly and provide more care and support for the elderly. Let's work together to create a better environment and conditions for the elderly to live in their later years!