Retirement and living happily ever after articles are often clipped, scanned, and filed away to be read later. Hopefully you read enough of them to discover that retirement, like everything else, takes careful planning. If you live alone you will find that some rather unique and special circumstances apply.
If you are accustomed to living alone the idea of filling your hours and making plans might not seem like a big deal, but others who find themselves without a spouse, partner, or family may not find it quite as gratifying.
You may be looking forward to enjoying peace and quiet and catering to your own needs, but living alone is not always what it is cracked up to be. If you tend to feel lonely when left to your own devices, or if your health or your financial situation is questionable, you may need help. A financial planner or a pre-planned support system could give you much needed peace of mind. As independent as you like to think you are, it is good to know that you have a plan in place.
Friends or distant family members may not notice if you are struggling. You may not notice it yourself, or if you do you want to keep your private fears and thoughts to yourself. A financial planner might be the first person to notice if you are skipping meetings, having trouble keeping records straight or forgetting to pay your bills. Before you reach the point where you actually need help, consider setting up a bill paying service and keep meticulous records of your assets, advisors, and important people in your life. A financial planner is a good place to start. If they are not able to provide services as comprehensive as you would like they can surely point you in the right direction. There are also service providers in your community who can help you maintain your current lifestyle.
Living alone is fine and many people enjoy and relish the idea, but there comes a time in every ones life when they will need a support system, and not just in regard to finances. If you don’t want to move into a facility that provides these services you can investigate the possibility of creating a system of your own. If you are thinking along these lines you know that there are others with the same concerns. Remember that there are many services that a person might need that don’t involve money at all. What about a daily call system to make sure that everyone’s needs are being met? Pool your resources to help out if someone needs a ride to the doctor, a hot meal or someone to talk to. A group of people with similar needs can work together for the common good. Look into services within your own community that provide senior services and educational opportunities that you can share. Through knowledge, sharing and networking you can create your own support system and work together to live happily and independently.