Good Planning for Retirement

Planning for Retirement? Research by the Guardian newspaper in 2016 suggests that those who retire early tend to die early. While this may come across as grim we argue that for many retirement  can be an exciting time, with change ahead and the ability to adapt your lifestyle to suit you. The time in your life to do what you want, when you want.

Thus, the key really is to understand what you want to do, where you want to go and how you want to live. Here at 1stMobility we have a wide range of products and services that are designed to help you maintain independence, inside and outside the home.

Hence, the first thing you need to do is have a plan, what is it you want to do in your twilight years? The aim of this blog post is to help you get the most out of your retirement. We give advice on how to reduce stress and increase piece of mind. Whatever you decide to do, we wish you the best of luck.

Good planning is crucial get to grips with your finances

When heading into retirement, understanding your finances is crucial. Hopefully by this time you will know where you stand and have a clear idea of the type of lifestyle you can lead during the remaining years. Thus, for many who have worked for 50 years plus having a comfortable pension and retirement pot is crucial for a stress free old age. So be careful with those pennies, and spend on the things you have been planning for during your working years.

Many people head into retirement without truly planning and not having a clear vision of where they want to go or what they want to do. Whether that is holidays, spending money on kids or grandkids. Knowing how far your money goes and where it is spent, will go a long way to offering a sense of comfort and happiness into your life.

In the view of AgeMobility good planning is a great way to start understanding and organising your finances is by meeting with a financial adviser. With the amount of paperwork to come and the money involved, seeking a financial adviser will help and advise you on how too budget in order to minimise the chances of overspending. Many also choose to invest their money in their old age, which is good and sensible but should be done with the advice of a reputable financial advisor.

In addition its important to make contingency plans incase you require any long term care. Though here at 1stMobility we have a large selection of wheelchairs, rollators and living aids to help you keep your independence, in some cases professional help is required.  It’s clear that as we get older, our physical health also deteriorates, so having that reassurance helps for anything that may happen in the future. Implementing any type of furniture in the house to increase mobility and comfort is a great way to start. Locating your way around the house isn’t made easier as we get older so investing in certain things in the early stage of retirement will help in the future.

In retirement keep active and moving

There aren’t many better ways to retire other than exploring and keeping physically active. With retirement comes plenty of time & with so much time keeping busy and the body going is crucial to enhancing mental and physical health. Keeping agile and fit is a great way to preserve the body and the mind.

In the view of WebMD  as we get older the need to stay active is essential. It is recommended to do at least 150 minutes of moderate exercise a week, investing in a smart watch or a FitBIt could help in keeping tack of the exercise goals! Check your local area for local walks or charity events, these should be a good motivating factor. For example in Huddersfield on Saturday mornings there is the park run, a great way to stay fit and meet new people.

Get a pet

Getting a pet is always a great thing, however choose carefully for something that you can look after. Have a look at this handy guide from the PDSA on things to consider when choosing a pet. Although a lot of time and dedication is needed that pets are kept comfortable and happy, it will always act as a companion to their owner. Whether a dog or a cat, having a pet is proven to reduce stress anxiety and depression, ease loneliness and encourage exercise and playfulness.

Research suggests that pets have evolved to become acute attuned to humans and our behaviour and emotions. Pets are understanding, caring and loving so having one amongst the family is always a good thing.

Pets impact your life in a positive way as studies show:

  • Heart attack patients with pets live longer than those without
  • Pet owners over age 65 make 30 percent fewer visits to their doctors than those without pets
  • Playing with a dog or cat can elevate levels of serotonin and dopamine, which calm and relax
  • Pet owners are less likely to suffer from depression than those without

There we have it, just a few tips and ideas on how to make your retirement a great one! If you have any questions, please don’t hesitate to contact us. Please have a look at the references below for more information. 

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