Winning Later In Life: Preparing Your Finances For Old Age 100%

Winning Later In Life: Preparing Your Finances For Old Age 100%

We all fear getting older to an extent. Sometimes the very thought of old age creeping up on us can you put the fear of God into us. But as we get older, we’ve got to think about some of the essentials. These are things that we might not necessarily want to think about. A very good example is your finances. When you are younger you don’t necessarily need to think about paying off debt right away but you may already start to set up a retirement fund. But what are the critical components of preparing your finances for old age that everybody should know about?

Will You Need Your Property?
These days buying and selling houses is all about making extra cash, and when you’ve already got a property, you need to look at it in terms of the nest egg it can generate but also if it’s going to be suitable for your needs when you are older. Many people downsize of the get older because the property doesn’t suit their needs anymore. Others tend to have it as part of their estate. You need to ask yourself now if the property that you’ve got is going to fulfill your needs. If it doesn’t, then you can sell up, or you may decide to make some alterations, so your home is more livable.

Time To Consult An Attorney
While you might not be thinking about the day you die, why it’s important to have your estate in place so show all of the money matters are resolved, so you’re your relatives don’t fight over your estate. Organizing power of attorney is something we all have to do, especially if we concerned about dementia or age-related cognitive decline. When we set up power of attorney, we have to think about who can handle our financial affairs. We have to make it as straightforward and without complication as possible.

Paying Off Your Debts
Even if you’ve gone past 50 paying off your debt should become a priority if there’s something in place. Debt might be the last thing we would think about because we need to enjoy life, but we have to remember that if we pass away with a substantial amount of debt this can either get passed on to our loved ones or a significant portion of our estate is used to pay off the outstanding amount. Paying off your debt is peace of mind, and if you do it early enough, it means you can enjoy your retirement. Paying off your debt is about making lifestyle choices that will benefit you later. While it’s cliche to say that you can’t take the money with you when you go, if you can work over a 6 or 7 year period on getting rid of your debts, you will feel happier, and no one will have to inherit your debt.

Working Towards Enjoying Retirement
We now live in an age where people have to work longer, and everything is so much more expensive that we may worry about the day that we have to give up work. But preparing for your retirement isn’t just about the pension pot, but it’s about understanding your needs when you finally give up work. You might want to go on a cruise because it’s something you’ve been dreaming about for so long, but one of the big mistakes that we tend to make in preparing for retirement is that we look at the lump sum we have accrued and then divide it by a certain amount of weeks, months, or years. Our retirement isn’t just about a set value every single week, but as we get older, our expenditure will decrease. Consulting a retirement calculator can give you a better idea of how much you will need to save but also so think about the other components of retirement, not just the finances.

Focus On Your Happiness
Your finances may very well dictate how happy you are. Having more money in our pension pot could mean the difference between having a leisurely retirement and an unhappy one. But we need to focus on getting happier as we get older. We may have spent 50 years or longer working for someone, and now is the opportunity to relax and be ourselves. But with anybody that spent a long time slaving away, anxiety is going to loom large in their mind. If we start to focus on our happiness, we may not necessarily need as much money as we think we do. As lovely as it is to enjoy a leisurely retirement, we’ve got to remember that there are going to be other aspects of life that will make us enjoy old age. Seeing our grandchildren take their first steps or the little moments. Preparing our finances is essential, but if we can focus on our happiness as well, then we will be winning at old age.

The Worries Of Parents With Poorly Children

The Worries Of Parents With Poorly Children

Being a parent means you become many things. You become a nurse, a counsellor, a teacher, a financial advisor, a bank account. The list of things that parents become could go on and on. It’s one of the best jobs in the world, no matter how much it requires us to do. It allows us to have this unconditional love for a little human that we managed to grow inside of us. But there are definitely times where being a parent is everything that’s cracked up to be. By that we mean it’s tiring, stressful, lonely, and everything else I between. Although we know that we’re going to have that unconditional love, we’re also fully away of the struggles of being a parent before we sign up for it. One of the biggest ongoing struggles we think, is the worry a parent has for their child. You want them to grow up to be the best that they can possibly be and to have the best health possible. So when your child begins to get ill it’s easy to go into full panic mode. You think that the world is crashing down because they’re not this healthy perfect child anymore and the care of them is either totally in your hands which is stressful, or in the hands of doctors and nurses, which is even more stressful. So, we’re going to go through some of the worries a parent has when their child is poorly, and hopefully ease a few that you might have had.

Dealing With The Small Issues

There will be so many small issues that go wrong with children’s health. They’re going to go through years of having to build up some sort of immune system to be able to function like a normal adult who doesn’t get ill every time they go into a building. Because we can walk around every day and we’re not likely to get ill that often. All children have to do is go back to school after having a break for Christmas for example, and they’ll eventually end up with some sort of cold or sickness bug within a week or two. So throughout their life, you’re going to have to deal with runny noses, and vomiting in the early hours of the morning. To manage it, you simply have to do what you would do for yourself if you were ill. Make sure they’re drinking plenty of fluids, eating only when they can if they’ve had a sickness bug, and generally keeping them in bed until it passes. We don’t have sickness bugs really as adults, so it’s easy to forget how terrible they are. Trying to build up an immune system is also important. Kids can take daily vitamins that will help them to do so!

Dealing With Their Fears

Every kid is going to have fears when it comes to visiting at least one healthcare professional. For a lot of kids it’s the dentist, but there are bigger worries about what scary health professionals are going to do to them. For example, a lot of children have to make trips to the audiologist for pediatric hearing tests. Some children are either born with hearing problems, or might be developing them due to gromits, infections, and many other things. But children seem to be particularly funny about people trying to put things in their ears. To manage any sort of fear like this, you have to use distraction and bribery. Their fears are justified, because who does like having something put in their ears! So tell them to sit there and get on with it might not be that effective! Take a tablet with you for them to play on, and promise them something they’re going to love afterwards!

Stays In Hospital

Stays in hospital are hopefully not going to come around too often. A stay in hospital can be so traumatising for both you and your child. But the best thing that you can do is try to make it as fun as possible for them. Playing, watching films, whatever you can do it make it enjoyable so they don’t start associating the hospital with nasty things. The more you can get them to come to terms with a hospital helping and healing, rather than hurting, the easier it’ll be for them to engage as they get older. Some people go into their adult life not wanting to go to the doctors about anything because that’s how they’re grown up!

Getting Older Without Feeling Like A Boulder! Signs You’re Functioning At Your Optimum

Getting Older Without Feeling Like A Boulder! Signs You’re Functioning At Your Optimum

We all know that getting older means looking after our minds and bodies that bit more. We need to have a bit more care and attention with regard to what we are putting into our bodies and how much exercise we are doing. But while we need to achieve optimum health we don’t necessarily know what this consists of. As we get older, we want to be functioning at an optimum level for the sake of our loved ones, but what does this mean and how can we check that we are?

Your Senses Are As Good As They Can Be
Fixing your senses is easier than ever with glasses and hearing aids. But it’s important that as we get older that we don’t shy away from getting a hearing test or having our eyes checked regularly. As we get older we need to have our wits about us more, especially if we’ve got grandchildren that we need to chase after! Ensuring that our sights, sounds, and smells are all functioning at their best will make everything else that much easier.

You Have A Stable Weight
We all know that we need to exercise, but while we may not necessarily have the opportunity to go running around or hitting the gym as much as we’d like, if we know that we have a stable weight for our height and build we can rest easy. If your weight fluctuates, there could be something wrong with your hormones or inflammation levels. Inflammation is one of the main buzzwords with regards to a healthy lifestyle now. Minimizing inflammation is something that you can do through various means.

You Sleep Well
Sleep is a big problem now partly because we don’t eat the right things to encourage us to sleep but we also feel that we’ve got to burn the candle at both ends in order to keep abreast of significant changes in life. But we need to prioritize our sleep. There are so many people that feel a sense of pride in waking up before everyone else and going to sleep later. But this will cause various health issues and could lead to very serious conditions later in life. It is important to make sleep a priority if you don’t already.

You Know How To Tackle Stress
Stress is one of the most common problems we hear about in the modern-day. Tackling stress is partly to do with the right tactics but it’s also about making sure that we have our perceptions of life in check. As we get older we can start to stress about our mortality and we could start to retreat into our shell, especially if we hear stories about people that we grew up with passing away. But with regards to getting older and realizing that stress is something that we need to treat as importantly as our health we can age healthier and happier. Tackling stress is partly to do with our individual stress triggers but it’s also about making sure that our general health is in check. Feeling stressed could very well be your body’s reaction to inflammation.

You Detoxify
Detoxifying is not just about making sure we sweat on a regular basis but it’s also about understanding that there are so many things in the modern world that aren’t necessarily good for our minds and bodies. As we get older and we start to see the gap between the older generations and young, especially with regards to social media, we could feel that we need to catch up. But the big problem in doing this is that we are exposing ourselves to things that we may not feel prepared for. Overstimulation is a very big problem, not just in older people, but in the youth of today. This is something that can cause a lot of stress so we have to think about detoxifying our minds and bodies in the right way. Some people undergo things like a social media detox, whereas others start to become more aware of mindfulness so they are able to listen to their bodies.

Ensuring that we are functioning at an optimum level is crucial as we get older but it’s also something that we can pass on to younger generations. It’s so easy for us to think that when we were young we were invincible but now the generations after us are born with a deficit in terms of energy and health. Partly this is due to diet but it’s also due to the modern stresses that we just didn’t have all those years ago.

How To Look After Our Minds & Bodies During Retirement

How To Look After Our Minds & Bodies During Retirement

As we head into retirement, people tend to be quick to write us off; they really shouldn’t we are capable of so much more than you think. Providing we keep a level of savvy and take care of our minds and bodies, we are still capable of keeping up with the young ones.

In this post, we are going to be looking at a few ways to take care of our minds and bodies as we become even more life experienced.

Getting A Good Night’s Sleep

While there has been a lot of deliberation as to how much sleep is the right amount of sleep to get, it turns out that the amount of sleep you get depends on a lot of factors.

It is important to remember that it matters not whether you are 25 or 85, sleep is going to be incredibly important, but it will be even more important for those who are at risk of decreased mobility.

One of the best ways to ensure that you are getting a good night’s sleep is to make sure you have the right bed and mattress. It is crucial to remember that the mattress that suited you twenty years ago will probably not suit you now.

If you are starting to feel that your mobility is reducing, you could consider something like an Air Mattress that is specially designed to give extra support and to ensure you get a comfortable and brilliant night’s sleep.

Keep Hobbying

If there is one thing that will keep your body and mind active, it’s having a hobby. While many people presume that hobbies are just a way of keeping you occupied, they are, in fact, a fantastic way of keeping your mind and body sharp.

If you have just headed into retirement and you find you are getting a little lost and bored due to the lack of work, then it’s time to get out there and get yourself a hobby.

There are some incredible hobbies out there for the retired, but remember that you should do something that you love. As we get older, life can dramatically change, so we need to find some kind of routine that allows us to function at our best.

See The World

One thing that should be embraced by every person that has retired is the big wide world. When it comes to keeping your mind and body at top function, nothing will do you more good than getting on a plane and seeing the world.

It is important to remember that while you have spent your whole life working, retirement really should be all about you.

You shouldn’t be scared of heading out into the big wide world, and it’s never too late to embrace some new cuisine and culture. Who knows, visiting a new country may result in experiences you never thought you’d have.

Top Pregnancy Hacks To Make Pregnant Life Easier

Top Pregnancy Hacks To Make Pregnant Life Easier

Pregnancy can be a magical time, but it can’t be denied that being pregnant is hard work. Your body is going through a lot of enormous changes and doing the hard task of growing a new life, so you’re sure to be tired, as well as experiencing a range of aches, pains and sickness. There are some pregnancy hacks you can try out to make being pregnant a little more comfortable for you.

Comfort Is Key
Pregnancy is a great excuse to be very demanding. You need to prioritise your comfort. Whatever you need to feel comfortable, do it. Whether that means you buy new pillows for the bed, or buy the same pair of maternity jeans in three different colors, don’t be afraid to ask for anything that will help you to feel as comfortable as you can, especially in the later stages of your pregnancy. Don’t feel awkward asking for things, especially from your partner. It’s not unreasonable to expect them to be ready with a foot rub or the offer of a cup of tea.

A great comfort trick to help you sleep better is to sleep on your side with a pillow under your bump and another under your knees. This helps to align your back comfortably, without putting pressure on your bump. Proper pregnancy pillows can also really help you to get into a comfortable position, so consider investing if you’re struggling to get enough sleep. Getting enough sleep is important, as pregnancy is very tiring, so make sure you do find a way to feel comfortable at night.

Late Night Snacks
It might sound strange, but a snack in the early hours of the morning can really help with morning sickness. Keep some snacks like saltine crackers on your nightstand so you can grab them easily if you wake up in the night. Nausea can be made worse on an empty stomach, so if you’re awake in the early morning for a wee or any other reason, nibble a small snack before you go back to sleep and you should feel less sick in the morning.

Keep Your Bra In The Freezer
Being pregnant during the summer can be even more difficult. It can feel impossible to keep cool with the extra weight of the bump and all the work your body is doing. To help head off some of the sweaty feeling, put your bra into a plastic bag so it doesn’t get damp and then pop it into the freezer for a few hours before you put it on. You can cool down quickly with this trick, even if you do feel a bit silly doing it.

Enjoy A Massage
Lots of spas offer special massages that are safe for pregnant women. If you’re struggling with the discomfort of pregnancy and you’re struggling with a lot of back pain, a massage could help a lot to make you feel more comfortable.

A massage with oils can also help to reduce pregnancy stretch marks and restore smooth skin. Spend some time pampering yourself with nice smelling oils to feel more relaxed, and reduce those stretch marks. You can use specific body oils, or just raid the kitchen cupboard for olive oil or coconut oil.

Head Off Heartburn
Many pregnant women experience severe heartburn which can be very uncomfortable. To avoid it, try eating more, smaller meals instead of three large ones. Avoid fried, spicy or rich foods, and try to drink less while you’re eating. If you’re really struggling, a shot of apple cider vinegar can work wonders for heartburn.

Eat Bananas
If you’re struggling with uncomfortable leg cramps, you can help to soothe them by having a glass of water and eating a banana. The potassium in the banana can help the cramps.

Invest In A Bra Extender
One of the most difficult parts of pregnancy can be getting dressed. Maternity clothes are expensive and it can be hard to work out what sizes will be comfortable. Bras are particularly difficult, even if you’re wearing maternity or nursing bras. A bra extender can be a lifesaver to give you a bit of extra room if you feel like your bra is too tight around your ribcage. Having a bit of extra space is a lot more comfortable.

Use Ginger
Ginger is known for its stomach-settling properties, making it a good friend to any pregnant woman. If you’re feeling nauseous, whether in the morning or not, snacking slowly on a ginger biscuit or sipping ginger ale can help a lot to settle your stomach. Keep ginger candies in your purse, and you can suck on them if you feel sick when you’re out and about.

If you don’t like ginger, watermelon is another favourite for pregnant women. Some people find that lemonade and potato chips work well too when you can’t keep anything else down.

Wear Workout Shoes
Convert your gym shoes into pregnancy shoes. The cushioned support in shoes designed for exercise are great for sore pregnant feet, and can help with a bad back too. If you’ve reached the point where bending over to tie your shoelaces is difficult, you can swap your laces for elastic laces which you can leave tied, converting your shoes into slip-ons, as the elastic will stretch when you pull the shoe on your foot. No bending over required.

Book All Your Appointments Early
While you’re pregnant, you’ll be going to see your Doctor a lot for different appointments to check on the health of you and your baby. When pregnancy brain sets in, it can be hard to remember to book all these different appointments, so book them all as soon as you know which appointments you’ll need when. This way, you won’t forget to book something important. If you book early, you’ll also have more choice of appointment times and have more time to arrange with work and other commitments to get the time off you need to see the Doctor.

Stock Up On Snacks
Pregnancy cravings can be intense. More than one Dad-to-be has made a panicked trip to the all-night garage at midnight to buy an important snack for his partner who is craving something that isn’t the fridge. To avoid this, keep a stash of common craving snacks in the fridge or freezer, ready to go. Pickles, french fries, ice cream and ginger beer are all common cravings, and are a good start for your snack stash.

Keep Kitchen Tongs In The Shower
Bending over gets more difficult the more pregnant you get. If you’re in the shower, dropping your shampoo or your washcloth while heavily pregnant can be very frustrating if you can’t bend down to pick it up again. Keep a set of kitchen tongs in the shower, and you can use them to grab whatever you’ve dropped, without having to bend over as far.

Stay Hydrated
Keeping well hydrated is important at the best of times, but it’s even more essential for the health of you and your baby. Try to drink plenty of water. You could keep a water bottle with you to remind you to keep sipping. If you’re finding it hard to drink enough water while also needing to wee a lot more often, you can boost your hydration with what you eat too. Eat foods with a high water content, like cucumber or radishes. You’ll be more hydrated without putting as much pressure on your bladder.

Try A Salt Soak For Your Feet
Swollen, bloated feet can be very uncomfortable, especially after a long time standing up. To reduce the swelling and soothe tired, aching feet, make up a soak with epsom salts or sea salt dissolved in warm water. Add a few drops of grapefruit essential oil for a refreshing soak that will make your feet feel as good as new.

Try Prenatal Yoga
Look for a yoga class designed for pregnant women. These classes are great for a number of reasons. Certain yoga poses can actually help with nausea, which you’ll be very thankful for in the midst of morning sickness. The class will be relaxing too if you’re finding the pregnancy stressful. You’ll be getting in a good workout, which will help you to maintain your fitness levels while pregnant, bounce back quicker after the birth, and you’ll be helping to stretch out sore muscles and joints from carrying around the bump. You’ll also be meeting other pregnant women, who can sympathise with your struggles. Having some friends who are also pregnant gives you someone to talk to who understands if you’re ever finding things difficult, or a bit overwhelming. You might even make friends for play dates when all the babies are born. Those friendships could be very valuable to you when you have a small baby and feel a bit lonely in the early days of parenthood. Your baby will also benefit from having some same aged company when they start to get a little older.

Preparing For The Future In Every Way That You Can

Preparing For The Future In Every Way That You Can

Life changes when you become a parent. Every parent will have said that to someone else at some point in their lives. Whether you are hearing it for the first time because you are expecting a bundle of joy, whether you are in the full throws of parenthood, or you are in the later years of your life enjoying grandchildren, we can all agree that life is never the same. One of the main reasons is that your priorities change. No longer do you think about yourself first, there is your family to think of. They are what is important now. So many of us want to safeguard our families future, if anything to take some of the worry away. With that in mind, here are some of the ways you can do that.

Write a will

No one wants to think about leaving their family behind. Be that in an accident or by a life threatening illness. But the truth be known we don’t know what tomorrow will bring. As it isn’t something that can be predicted, it’s more important than ever to get your assets and wishes written down in a will. This can help you to put in place your wishes for things like the assets you have such as the family home, or any outstanding finances and savings that you have accumulated over the years.

Don’t forget to take care of yourself

When you become a parent it’s easy to put your needs behind everyone else’s. But this is when you can find yourself in hot water. The last thing you want is to become ill, rundown or fatigued because of everyday life. So try and ensure you get a little time for yourself to rejuvenate. It might be to take a hot bath, or go to the gym. Maybe you want to work on meditation or yoga practises to clear your mind. You will also want to ensure that you keep up with regular health checks, otherwise long lasting ailments like tinnitus or diabetes can sneak up on you. Whatever you do take care of yourself, because you are the one that takes care of everyone else.

Ensure you’re covered for unforeseen circumstances

We made a valid point earlier, we don’t know what tomorrow will bring. That also means we don’t know if we are going to suffer with an injury or critical illness. But yet life still has to move forward at it’s usual pace. Children will need to go to school and bills will still need to be paid. So it’s important to have provisions in place for every eventuality. Just to give you some peace of mind. That might be insurance policies to take away a financial burden.

Start saving for the future

Money is what makes the world go round, and while you many not want to place too much emphasis on it, you do need to ensure the bills get paid. So it’s important to set up savings accounts. Perhaps thinking about your children’s future for college or university fees. Or even just setting money aside for a rainy day should you need it. More often than not that money could be used every now and again for treats like vacations, but at least you are planning for the future to take away some of the financial burden of raising a family can have on you.

Let’s hope these tips help you safeguard your family’s welfare in the future.