Do not give up on anything. There are so many ways to make money, you cannot possibly do them all. I had a friend who became a CPA at 75 years old - right after she graduated college at that age. She was determined to do what she wanted.
I have been broke several times, been through two crappy divorces. Just keep on keepin on. 65 is still young. Do not ever lose hope!
I agree never give up on your dreams. You are here now I'm sure being active on Hubpages. I myself had some doubts but I already seen some positive results though not much but I'm still amazed I've seen anything. I'm going to follow you Billie. Check out my Hubs I have several good ones on finding some great work at home gigs all great ways to make money. You are going to do great. Keep trucking.
Budgeting is overrated for most people. What you focus on expands. Therefore, when people focus totally on expenses, they will expand. I have proven from experience that the best way to wealth and financial freedom is to focus on your income.