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How to help person with dementia to spend money right?

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Nadya, more info would be helpful...

How advanced is their dementia?

Are you speaking about you and a loved one?

If so, do you have financial Power of Attorney? If not, you need to make it legal for you to "help" them as they are at risk for misuse and abuse with every passing day. Without financial PoA you have no legal ability to "help" them. Their dementia will only get worse so the time to act is now. If you need more info/help/answers, check back on this post.
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Nadya,
I concur with previous answer in order to help a dementia L/O with financial manners you need a POA or establish a guardianship. A person with dementia diagnosis is not able to handle their financial affairs and may run risk of having essential services not paid for, or become victims of scammers.
If you are asking how to help you are suspecting a problem, speaking from experience put steps in place as quickly as possible to help L/O.
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You can't. That is why someone has to be willing to serve as POA to take over the bills and finances. Hopefully.
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My sister and I tried. You can't. That's why a guardianship is often necessary.
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TG my Mom realized she was having trouble. I was her POA and on all her bank accounts. It started with her not being able to do the math anymore. So, I took over writing her checks and keeping her register. She signed them and I mailed them. Later I took completely over. I found that she had me down, for all her bills, the person to contact if they weren't paid on time.

Dementia people loose the ability to reason and process early. There is no teaching them anything because of the short term memory loss. Everything becomes overwhelming. And it doesn't get better.
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My brother and I had to take away his step mothers check book, debit cards and credit cards. Oddly she wasn't upset. We give her xx# of $$ each week, she likes that. My brother is joint on her account, he pays all the bills.
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