Retirement Stress - 5 Tips to Overcome Stress In Retirement
Retirement Stress - 5 Tips to Overcome Stress In Retirement
Retirement from your full-time occupation can sometimes lead to retirement stress. Many would-be retirees envisage retirement to be a phase in their life when they will be free from stress. However, retirement from work may only free you from the stresses of your full-time employment but you will still encounter many other life challenges that will lead to retirement stress.
Retirement requires readjustment to your lifestyle. Planning for retirement before you enter into that phase of your life can help to ease the process of readjustment and iron out any anticipated problems.
Here are the main causes of retirement stress and some ways of dealing with them:
Boredom. This may be due to a lack of challenge. You need to have mentally stimulating things to do during retirement to avoid retirement stress. There are several ways to overcome boredom. take up an interesting hobby that is physically and mentally challenging (e.g. landscape gardening, fishing, hiking, painting)
go on a vacation and enjoy a different environment (e.g. seaside or mountain resorts, city breaks, adventure holidays)
join a social group or club and participate in the group activities (e.g. going to the theatres, rambling, wining and dining)
be a volunteer for a charitable organization.
keep in touch with your family and friends by visiting or phoning them.
Money worries. Most retirees are not financially prepared for retirement. They have not built up a big enough pension fund to see them through their retirement. Here are some ways to overcome your retirement income shortfall. Prioritize your expenses. Spend your money on items you need like food, accommodation, lighting, heating and clothings. Items like beers, cigarettes, eating out and holidays should be low down on the priority list. You have to make adjustments to your lifestyle and spending habits to make ends meet.
Have you claimed all the state benefits you are entitled to? You can phone the Benefit Entitlement Check team on free phone 0800-072-0615 to find out if you have missed any benefit you are entitled to.
Find a part-time job to supplement your retirement income.
Shop wisely. Use discount codes whenever possible to claim your discounts.
If you own a large house and your grown-up children have left home, you may want to consider selling your house and buying a smaller one. The surplus cash can be invested in a savings account to generate extra cash to supplement you pension.
Health Problems. You must have good health in order to enjoy your retirement. However, it can be very stressful and depressing if you suffer from ill health, especially if they are long-term illnesses. Some of the physical aches and pains, such as backaches and joint pains, may be age related. These can sometimes be remedied by regularly doing exercises for the back and joints. Nutritional supplements for bones and joints, such as glucosamine tablets, can strengthen cartilage and joints. Hydrotherapy has also been used effectively in the treatment of backaches and joint pains.
Some of our health problems can be linked to our state of mind. Sometimes we tend to fall ill more easily when we have too much time on our hands. If this is due to boredom then the steps listed above can be used to overcome the health problem. Daily meditation can help to calm our minds and boost our internal energy. It can help to clear our cluttered minds and improve our self confidence.
Relationship Problems. When you are in full-time employment you spend most of your waking hours at work. So even if you have a relationship problem, you can cope with the situation because you have your workplace to escape to during the day. When you retire from full-time employment you will have to spend most of your time with your spouse. This can be very stressful unless you have reconciled with your spouse long before you retire. It is important to love and have a good relationship with your spouse in this phase of your life because you need to support each other morally, physically and financially. Forgive each other for the wrong doings and move on. Learn to let go of your ill-feelings toward each other. Carrying too much mental baggage will add to your retirement stress.
"The weak can never forgive. Forgiveness is the attribute of the strong."-- Mahatma Gandhi
Loneliness. Many people feel depressed about the prospect of leaving work and their colleagues. They are used to socializing with their colleagues and sharing jokes and gossips with them. When they retire they fear that they will see each once in a while to begin with and then they will lose contact eventually. This is similar to the boredom problem above and its solutions are equally applicable here. Improving your social networking skills before you retire will help to reduce retirement stress when you retire.
Retirement should be the best time of your life. It should be carefully planned to ensure that you have saved sufficiently to fund your retirement activities. Spend more time with the family and organize family outings and events regularly. Prepare for retirement by getting involved in social activities, enjoying sports such as golf and tennis, and taking up an interesting hobby before you retire. A smooth transition from work to retirement will ensure that you have less retirement stress.
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