Caring for an older loved one is something many of us expect to do one day, whether that means popping round with groceries, helping with appointments or even welcoming them into our home. Most families know they’ll eventually need to support their parents during retirement, but it’s usually the hidden costs that catch people off guard.
Of course, being a thrifty-living advocate, I love to look into any expenses to see if there’s a way I can make savings – hence today’s post. This isn’t about discouraging you from helping your parents, grandparents or any older relative. It’s about being prepared, budgeting smartly and knowing where those sneaky expenses like to hide so you can cut those costs…
Those Little Errands That Quietly Add Up
A quick grocery run feels easy – a loaf of bread here, a pack of batteries there, maybe a little treat because it brightens their day. But when those errands become a weekly food shop (or popping out for something they need several times a week), the costs start stacking up for both you and your relative.
Then there are the tiny-but-essential items, such as cleaning supplies, books and newspapers, an easy-grip kitchen tool, taxi fares, a spare key. Individually, they’re no big deal. Over a year? They can nibble away at your budget.
Money‑saving tip: Create a shared shopping list with your relative and buy in bulk where possible. Many supermarkets offer multibuy deals or own‑brand alternatives that are just as good – which is easier to benefit from if you’ve combined your grocery shopping into one order.
Home Safety: A Rolling Project
Whether your loved one lives with you or stays in their own home, small adaptations can make a huge difference. I’m not talking about installing an accessible wet room or walk-in bath straight away – just some little touches that’ll help day-to-day.
Think, handrails on the stairs and grab rails in the bathroom, brighter lighting, non-slip mats or a kettle that’s easier to lift – none are huge purchases, but they do add up. That said, they’re sure to make a big difference to your relative’s comfort and safety, so it’s 100% worth it!
Money‑saving tip: Check whether your local council offers grants, free home assessments or subsidised equipment. Many do – and lots of people don’t realise they’re eligible.
Compare Your Options Before You Need Them
Families often assume that doing everything themselves is the cheapest route. Sometimes it is – but not always. If you’re missing work, paying for petrol, juggling appointments or feeling burnt out, the “DIY” approach can become costly in other ways.
It’s worth comparing:
- home support services
- shared family responsibilities
- local benefits
- community resources
- assisted living options
This doesn’t mean you’re choosing one path now – just that you’re informed and ready when decisions need to be made.
Money‑saving tip: Ask for a benefits check from Age UK or Citizens Advice. Many families discover support they didn’t know existed. The extra money could make a huge difference to your relative’s budget, making them able to afford the essentials they need.
When Work Hours Start Getting Squeezed
Caring responsibilities rarely stick to evenings and weekends. Doctors’ appointments, repair visits, banking calls, and medical admin often fall squarely in the middle of the workday. For hourly workers, freelancers, or contractors, that can mean lost income.
Money‑saving tip: Try batching appointments into the same day or time slot. Some GP surgeries offer early-morning or late-afternoon appointments if you ask. And if siblings or relatives can rotate responsibilities, even better.
Have you supported an older relative or are you preparing for that stage? What surprised you most about the costs, or what thrifty tricks have helped you manage them all? Share your experiences in the comments; your ideas might help someone else, too!
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