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9 Ways to have a Happy Retirement Are you about to retire after working many years in an industry you dedicated your whole life to? Well, sad to say for many, retirement is not a happy one but it is only the beginning for more worries in a person’s life. Think of it this way, when you look back at all the hard work you had done, did you really achieve what you really wanted? It is a tough question for most people. Retirement is meant to be a happy occasion and everybody should look forward to calling it quit at some point in life. When a person retires, he is supposed to enjoy rest and leisure after all he put in during his youthful years. But we all know the truth don’t we? The truth is, by the time some people retire that’s when problems are getting worse. There all these medical bills, high cost of living and probably a lot of other stuff which makes it hard to cope. But on top of that, just entering a completely new phase were you are no longer as youthful as you used to be and a phase were you have to stand on your own two feet, needs a lot of adjusting. But apart from the preceding there is one very scary thing about retirement, which nobody looks forward to at all. Retirement with Nothing This is by far the worst that can ever happen to anybody and if it did ever happen it is so unfortunate. You see, when you are working during the prime years, money was flowing in and you could gain access to whatever you wanted. However, imagine how it would feel when it suddenly dawns on you that after all those years you couldn’t even acquire a house, or some land, or even save it all up. Imagine how embarrassing people would look at a person who had all that wealth because he/she was working and yet couldn’t even save or invest the money. That could really be so devastating and you would only wish it was a nightmare.
I would like to believe that such a thing has never happened before, but the principle is that if a person retires with completely nothing, then that’s kind of scary. However, fortunately most who call it quit usually have something up their sleeves. And the best part is that there is also the pension. Which of course, most people are very much familiar with. So why worry at all? Some people retire happy but others still retire in a low spirit. I still haven’t seen anyone who hit the roof in excitement after retiring from the workforce. I bet you haven’t too but what could be the reasons? Well, I don’t think it’s always about people wanting to be rich. But it could be a reason…. Well honestly, it could be a combination of things. Some are just not prepared for this new phase in life while others, just don’t want to leave the interactions they had with work colleagues and friends. Others who leave work, just cant imagine what else they can possibly do to keep themselves busy. There are certainly a lot of reasons out there but all in all whenever somebody calls it quit that should be a happy occasion. If you are about to retire, whether you are doing so early or you have reached your time, here are 9 ways to make your retirement a happy one. 9 Ways to Retire Happy Before we dive into the juicy part, you must understand that the whole reason for a retirement should be to make you enjoy the rest of your years. It should be a time to relax, rest and probably do stuff you never thought you could do. So, it really is a time to be happy and make every second count. Here are 9 ways to retire happy;
(1) Think Positive; It’s always good to think positive about the whole ordeal even though it’s never really easy. We all have our fare share of problems and that’s what really complicates the whole equation. However, thinking positive gives you an opportunity to face whatever challenge comes your way with character. First things first, it doesn’t help to hang around negative people. Lets start with an example here, imagine you were carrying something heavy while climbing up a hill. A few hours later you meet a couple of friends who have a similar load as yours but instead of carrying uphill themselves they decide to put the burden on you. Do you honestly think you could successfully carry that additional load? Not even a little. The same goes with negative people. They wont make you stronger but will only burden you more on top of the additional worries you have.
(2) Get Rid of Debt; Here is one common fact which cannot escape us no matter what we do, it is easy to borrow but never easy to pay back. You see folks, moving around with debt on your shoulders is like moving around with a heavy load on your back 24/7. There are things, which are easy to overlook in life, but when it comes to somebody’s debt, people do not usually
forgive. It is even worse when you borrow money from the bank. If you borrow money from them and think you can get away with it, you have another thing coming your way. Usually handling debt is relative easier to do when you are working but when you retire, it is like a plague. Here is some advice for you, if you want to retire happy get rid of all that debt which you have been carrying all your life. Just get rid of it and throw it all away. Word of caution, be careful to fall into debt again too. What are we talking about here? If you are going to borrow any money, only do it for the right reasons.
(3) Save or Invest; I usually believe that saving is a sure way to retire happy because unlike investments which have a 50/50 chance of success, saving money is usually certain because the money is already in the savings account. However, there is absolutely no reason shunning a good opportunity when it comes your way. But before we get into investment opportunity options, lets dive into the savings options first. When saving money, it is usually advisable to have a target on the amount of money you would like to have in your account by the time you retire. When you have figured that out, then should you have an idea of how much money per month should be put aside for that cause. Remember that, sometimes we might just be tempted to get some money out when need arises but don’t. Tempering with your savings will only make it easy for you to take money out at will. Remember, this is retirement money we are talking about.
What about investments? Well there may be a lot of ventures that could bring you additional money but I am one who likes to play it safe. Of course they will tell you that the most successful people of this world took risks in their lives to get to were they were. Here is my advice, if you see an investment opportunity, don’t invest all your savings. If anything, find even an alternative way to finance that investment. Leave the savings out of it always. So what investments are there? Well you can invest in stocks, or you can invest in property. Alternatively my personal favorite is to invest in a new start up business. Not many start ups that require little money put in these days. However, have you ever thought of making money online? Well I usually don’t like to say much about this but I usually ask my visitors to watch this Free Video on this https://goo.gl/sttiSm . After you watch that video you may gain instant access to additional options it offers. I would also like you to download our Free Ebook “how to Earn Money online for the first time” by following this http://www.toptier4you.com/9-‐secrets-‐happy-‐retirement/
(4) Have a Retirement Plan; Having a retirement plan really puts
everything into perspective. Most of the times we tend to worry about a lot of things such as, what am I going to do with all this time? How will I earn the extra cash? Although you cannot eliminate all the problems on Earth, you certainly can have a plan of action to tackle your challenges. If you are
worried how boring life will be after retirement, have a set of activities that you will do after you call it quit. Make life interesting by putting your plans in writing. Ever wanted to do humanitarian work? Ever wanted to travel around? That’s were it all begins.
(5) Have a Retirement Party; What good is retiring if you can’t even have a party? Remember calling it quit shouldn’t be a sad time, but add some color to your life by enjoying a retirement party. Usually others will do it for you and if that’s the case, you shouldn’t shy away from being part of the fun. You can invite friends and relatives to the occasion. However, always remember not to be careless to the point of losing a leg or limb just because you were trying to have fun. Remember, you want to start your retirement years on a good and positive note.
(6) Strengthen your Family Bonds; Family is what will get you
through those years when you would have retired. When you strengthen family bonds, you strengthen you relationships and this in turn leads you to having some reasonable levels of satisfaction. Are you married with rebellious children you simply couldn’t get along because you were too busy? This is the time to mend those scars by bringing the people you care about closer to you. Make it a reality and never give up the fight.
(7) Keep Emotionally, Mentally and Physically fit; Exercise
can do you a lot of good in keeping all your faculties healthy. You don’t want to be in one place all the time, use your body’s energy to Jog around or take long walks. Eat healthy foods and drink plenty of water too. You will be amazed at what these small changes can do for you even as you approach the retirement years. Keep your mind busy by reading novels, brochures or other important literature, which is relevant to your life.
(8) Be a Part Time consultant; Even though your retirement is fast
approaching that doesn’t entirely mean you don’t have to do a part time job only on your terms. Just before you call it quit, you can establish healthy networks with people who might be interested in your expertise knowledge or technical knowhow. It doesn’t have to be done regularly but can be done when you really need to do it.
(9) Accept whatever happens; retirement can sometimes be a tricky
situation for anybody. You see everybody wants to retire happy and that’s a fact but life as we know it is full of surprises. It is indeed vital that even after all we have done to make sure that everything goes according to plan, we should be prepared incase things don’t actually work out. However, the best part is that when we realize we don’t have control over everything in life can
we then be able to accept. At least we gave it a shot right? But look at the bright side! Most retirees are reasonably okay.
What retirement should mean to you Retirement should be a cause for joy because after all those years you devoted in the workforce, there are certainly going to be rewards. However, the 9 suggestions you just read should just give you motivation that you can actually make retirement a happy one. If you have any suggestions or comments please don’t hold back from sharing your ideas. You can write to me at [email protected] .