There are numerous ways for seniors to save money for retirement if they don’t want to rely on government services. Consider looking into scholarships or grants offered by the school or through organizations like [name] if, for instance, you have children or grandchildren who are still in school to assist with their educational expenses. Another option is to downsize whatever assets you own, such as selling any real estate or vehicles, and move into an apartment or condo rather than a home to reduce your monthly costs.

Here are some pointers for getting going: 

• Maintain a budget. Decide how much you can spend, and then stick to it, even if that means skipping out on weekends or eating at home. This will assist you in staying inside your budget and preventing overspending and future financial problems. 

• Analyze your spending patterns. Look at all of your expenditures (not just your food and utility bills) and try to reduce spending where you can. If you can live well in a smaller location, you might want to think about downsizing your home as well. 

• Determine the amount of money you’ll need for retirement. If at all possible, start saving money now so that when it’s time for retirement, you’ll have enough money on hand and won’t need to rely on government programs like Social Security or other aid from family members who might not be able to help as much as you’d like because they’re also living off of limited resources themselves.