Retirement on a Budget

A practical, compassionate guide to thriving in retirement, even without a nest egg.

Retirement is often painted as a golden season of life, filled with travel, leisure, and comfort. Yet for many Canadians, the reality looks very different. Rising living costs, modest pensions, and limited savings leave countless pensioners wondering how they will cope when work comes to an end.

This book offers both comfort and clarity. Written with compassion and rooted in the Canadian experience, it is a practical guide for pensioners who face retirement with little or no nest egg. Instead of dwelling on what has been lost or what might have been, it provides constructive strategies to help you live well on less and reclaim a sense of control over your later years.

Inside, you will discover how to:

• Manage housing, food, and utilities without draining your budget
• Cut back on small, everyday purchases that quietly erode your income
• Access government supports and community resources available to Canadian retirees
• Create new streams of modest income suited to your skills and energy
• Find affordable healthcare solutions and medication strategies across provinces
• Build a simple, sustainable lifestyle that brings both comfort and joy

Through real Canadian case studies, practical exercises, and easy-to-use tables for tracking your spending, this book shows that financial insecurity does not mean the end of independence or dignity. It can be the beginning of a new chapter defined by resilience, creativity, and community.

Whether you live in a bustling city or a quiet rural town, this book is written for you. It offers not just financial advice but also encouragement to redefine retirement on your own terms.

If you are approaching retirement without savings, or are already retired and worried about making ends meet, this guide will help you find balance, peace of mind, and a path to a fulfilling future.