ANZIO Digital Thinking Ahead For Your Retirement

by Patricia Montgomery - LincsMag Writer.
Date: 1 November 2009

Thinking Ahead For Your Retirement

You know you have to do it, but saving for your retirement is not easy and one of the hardest things you’ll do in your working years.

But it’s also one of the most important.

Along the way you’ll very likely have gotten married (cost in itself), had children (more costs) and when they grow up, have helped pay for their education.

The tip of the proverbial Iceberg, because as well as paying for that hefty mortgage, buying those cars (and a bike or two?) and all the mass of other everyday expenses and stuff we buy just to exist, you then have to make sure that you put money away in the piggy bank, so that one day you’ll have enough to retire on.

Now you can see why it’s extremely difficult for some people to save for their retirement. In fact it seems at times to be virtually impossible.

We individuals and mere mortals in their twenties and thirties are most of the time, so focused on trying to buy our own homes, have our own independence and life, and for some also paying for children’s expenses, that retirement savings seems like something that can wait until another day.

But let’s grasp the situation here, because, a quick reality check makes you see that if you don’t start saving early, you’re going to find yourself in a right pickle and more than likely with no government safety net there to help you when you’re no longer able to work.

We want to help make sure you save enough money in your years leading up to retirement so that you can sit back and enjoy the rest of your life. And hey, if you’re lucky, you might just save enough to retire early. Wouldn’t that be nice?

So lets look at 3 ways for retirement saving success:

Number 1. Save. An obvious one really, but the most important step towards your retirement saving success is quite simply … saving.

If you don’t start saving your money, then there’s not going to be any money for you when you retire. It’s as simple as that!

Do you still want to be working when you are in your eighties? Okay, maybe the government and Gordon Brown may still want you to be, the way things are looking, but seriously, the earlier that you start saving, the more likely you are to hit those retirement goals and the less stress you will face in the last few years leading up to your retirement.

Number 2. You have to resist temptation. Hard I know, and I’m one to be talking … Miss I can’t resist that dress! But be strong and resist any temptation to dip into your retirement savings funds, even if it is stashed under the bed.

You may be reaching that time in your life when you feel “to hell with it all” and want to spend it on a brand new car, motor home, yacht or that cruise around the world. It may seem like a good idea at the time but, chances are, you’re going to regret it later. Or maybe not!

Number 3. Take advantage of any incentives that are dangled your way. Look around at the retirement offers available. A good website to view is The Pensions Advisory Service.

The Pensions Advisory Service (TPAS), which is an independent non-profit organisation provides free information, advice and guidance on the whole spectrum of pensions, including state, company, personal and stakeholder schemes.

If you’re really shrewd, you could even retire early, though this is usually the preserve of criminals, lawyers, bankers and politicians … birds of a feather?

Anyway, I hope these tips help you or at least raised a smile. Remember; always get proper financial advice and though retirement may seem like it’s a long way away now, it has that awful habit of creeping up on you before you know it. Plan for the future now to make sure it’s a bright one.

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