I’m 61, Divorced and Retired. My Home Is Paid Off and I Get $6,150 Per Month, but Somehow ‘I Fritter Away My Check Each Month.’ Help.

A 61-year-old retired woman with $6,150 monthly income and a paid-off home is struggling to manage her money despite having $4,000-$4,500 left over each month after expenses. Experts recommend starting with a detailed budget and consulting a financial advisor, highlighting CFP Board’s LetsMakeAPlan.org website as a resource for finding CFP® professionals who offer affordable or pro bono services.

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