Expert Author Susan Leigh
The recent announcement by the Duke of Edinburgh, saying he is due to step back from public engagements, has prompted discussion amongst those of us who may be thinking about retirement.
When we're young retirement can seem like an elusive concept, associated with old age, grandparents snoozing in their arm chairs and hours of daytime TV. The reality is that people are fitter than ever before, have more drive and determination and are using their retirement in exciting and innovative ways. It's often a time to catch up on the things that could not be done in earlier years.
Let's look at some ways to make retirement a positive experience:
- Financial planning is crucial. People historically saved for their retirement through private or company pension schemes, but many of those schemes have proven to be less than satisfactory. An increasing number of older people are supplementing their retirement income through part-time work. This can provide unexpected benefits; new interests, motivation and challenges, a regular routine that needs to be followed, the requirement to take care of one's appearance and the potential to make new friends in a more relaxing environment than was previously provided by a career driven job.
- Down-sizing one's home can be an important consideration. Many retirement apartments provide a way to maintain independent living whilst combining close proximity to other like-minded people. If family have left home down-sizing can be a good way to reduce overheads and perhaps release some capital. It's often a good idea to move whilst still fit and active as this is the best time to get to know new neighbours, form relationships and friendships and become an active member of the community.
Retirement apartments often include access to support should health-related issues or a change in one's domestic circumstances at some point occur. Also they usually offer a calendar of regular social activities and a guest bedroom which can be booked for a nominal fee when overnight visitors come to stay.
- Commit to staying healthy and looking attractive. Feeling confident in one's appearance helps keep a positive, upbeat attitude alive. Exercise regularly and be invested in a good approach towards diet, sleep and wellbeing. Dress smartly, remain in touch with what's in fashion, the different trends, colours and make-up. It's important to update one's look from time to time or else it can feel dated and stale. Wearing smart, appropriate, fashionable clothing keeps a person looking good, standing taller and improves personal confidence.
- Keep up to date with popular culture. Pay attention to the news, the latest technology, listen to modern music, maybe even watch some of the popular television shows that everyone is talking about. Keep an interest in present-day life, even if you don't actively follow every gimmick. This simple activity maintains an engagement with modern life and helps you avoid feeling left behind.
- Social activities are aplenty for retirees and are often reasonably priced. Local Councils provide exercise classes, swimming, walking groups, table tennis, with refreshments and time for conversation often included. Making a regular weekly commitment keeps you coming back and means that people become familiar faces. This is a relaxed way of making new introductions whilst doing things in a supportive environment. Over time these activities could be extended into friendlier relationships by suggesting a coffee or going out for lunch.
- Be proactive. If there is nothing on offer in your vicinity why not set up a few activities that appeal. Rally a few friends and neighbours into a short walk once a week, coffee at each other's houses, a book club or games night. These ideas have been known to blossom into eagerly anticipated, regular occurrences. All it takes is one person with a little drive and enthusiasm to start the ball rolling.
- Consider learning. Was there a subject that you were really interested in but never had the chance to study? My mother took up whist, tai chi, Egyptology and learned to play bridge, all at 81. Retirement can provide the opportunity to take up subjects that are of interest, and the beauty is that you don't need to take any exams unless you want to!
Every age in life has its advantages and disadvantages. Ensuring that retirement is a positive experience requires a little planning and taking care of one's health and finances. But by being receptive to opportunities and invitations that come along you can enjoy a positive, interested mindset with the potential for many satisfying and fulfilling relationships and activities to be introduced and enjoyed.