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She is confused about mortgage payments and keeping up with her finances. Some days she seems on top of things, the next day she doesn't remember.

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Marykathryn, welcome to the forum. What I did for my Dad, who was having the same issues with finances, was having him move to senior living where he was in the Independent section, he had a lovely 2 bedroom apartment with full size kitchen, living room, and bath. He was so glad to get away from his home as he knew it was just too much for him.


Dad used the equity from the sale of his house to help pay the rent, which at that time (a decade ago) was $5k-$6k per month, which included weekly cleaning and linen service, plus meals, etc. Dad didn't need to worry about a mortgage or other finance issues ever again. Then later Dad moved to the facilities memory care.


Regarding paying Dad's bills, I had the bank put me on his checking and savings account as co-signer. That way I could easily pay his rent at the senior facility, his credit card, etc. I kept careful records in case Dad needed Medicaid help later down the road.
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Reply to freqflyer
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Generally speaking, people wait too long to give up living at home. "Too long" is when a disaster happens, such as they wander down the street and poop in a neighbor's yard. Or go to their bank and withdraw $10,000 to give to a scammer. Or sit in the car for an hour trying to figure out how to start it. At the food store. At night.

You cannot imagine all the things that can happen because you only see what she cannot hide, such as confusion about mortgage payments. It's best to plan ahead because one day she's taking out the garbage on schedule and the next day she's playing with the garbage and leaving it to rot on the kitchen floor. Yes, things take a turn for the worse very quickly.

Also, you might think it's okay to plan on assisted living, but it's more likely that she'll need memory care. The facility evaluates and recommends the level of care she needs. My husband is in memory care now, and one of his friends there seems fine because his speech is good and he manages to feed himself normally. Yet the next thing you know, he's in Brenda's room peeing into the AC unit.

Good luck in finding the best care for mom.
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Reply to Fawnby
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Very helpful. I appreciate the thoughtful answers. Thank you!
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Reply to Marykathryn
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Elders with dementia are fine by themselves until they aren't fine and then the house burns down or gets flooded, or worse yet, she asphixiates herself mixing ammonia with bleach to clean the toilet.

You know it's time for managed care when she displays confusion and can no longer manage life.
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Reply to lealonnie1
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Grandma1954 Jan 14, 2026
This is a perfect way to phrase this..
they are fine until they aren't fine.
the problem is you don't know when that point is until sometimes it is to late.
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Ask these questions....
Is she safe living alone?
Is there a possibility that she might leave the stove on or the water and leave the house?
Is there a possibility that she might let someone in thinking they are from the Gas Company, Electric Company, or any other "professional"?
Is she a fall risk? If she fell how long would it take for either her to get help or for someone to find her?

Now I have to say any of us could leave the water on, the stove on, you hear things in the news about someone being robbed or killed because they let someone in. Any of us could fall at any time.
So now that I have muddied those waters....
A few more questions for YOU
How much are YOU doing to help her so that she can keep her "independence"?
If you are helping her pay all her bills..
If you are driving her to appointments because she either no longer drives or you do not think she should drive...
If you are helping her clean the house, do yard work, do other things a round the house that she can no longer do...
Then yes it is time for her to move to a facility that will be able to meet her care needs.
Now that leads to where....
If there is a possibility she would wander then she should be in Memory Care not AL.
If there is a possibility that she would need to apply for Medicaid then select a place that accepts Medicaid so you will not have to move her later. Generally a facility that accepts Medicaid would like a resident to be "private pay" for a year or two before Medicaid is applied for.

the other important thing to do is to get a diagnosis as to what is really going on there are other things that can cause dementia like symptoms. Good to get those ruled out and an accurate diagnosis.
And I should ask this...
Are you her POA? If you do not have the legal paperwork it might be a good idea for you to get her to an Elder Care attorney on one of those "good days"
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Reply to Grandma1954
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Is this the only memory problem your mom is having? If she can still take care of herself otherwise (for example, prepare simple meals, get around her home, get dressed appropriately, do appropriate personal hygiene, do simple housekeeping), assisted living probably isn't necessary.
Someone should be helping your mom with her financial chores, whether she's in her own home or moves to an assisted-living facility. Has she created a financial power of attorney and, if yes, is it activated?
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Reply to Rosered6
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