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If you need help with your retirement planning in the UK. Helping you pick your retirement date with least amount of compromise and most enjoyment from your retirement in the UK. Our retirement planning and retirement lifestyle articles and videos help you create the retirement fund you need for a successful 3rd and final act of your life in UK.
Retirement Planning UK and Making Most Of Your Retirement in UK
A change of mindset today may help you improve your life before your retire and after retirement:
Know what you are planning for – a clear retirement plan will provide both motivation and a discipline to achieve what you want for yourself in retirement in the UK.
Know what the retirement costs are – the retirement lifestyle you want maybe within your reach, and maybe not!
Know what your priorities are – you need to know what is at the bottom of the list that can be sacrificed and what under no circumstances can be cut.
Know what you will miss when you do retire – maybe full retirement is not a good idea for you? Perhaps easing into retirement via part-time working will help you adjust to retirement life more gradually so you have the best of both worlds.
Incorporate the cost of inflation in your calculation of the size of the retirement fund you will need to maintain your retirement lifestyle until the end – for sometime now UK inflation has been relatively benign. However in the 1970s and 1980s UK inflation was more than 100 times the level it currently is. This could decimate your retirement lifestyle if it was replicated during a time you only had access to static retirement income levels.
Do not put all your eggs in one basket – understand the importance of risk diversification. Not all assets will increase or fall in value at the same time. Spreading your retirement fund across diverse assets will give your retirement portfolio time to accommodate valuation fluctuations and still maintain the level of retirement lifestyle you want for yourself.
Bear in mind relationship changes – divorce, death other than your own and other unwelcome curve balls can split your retirement fund in two or drastically cut your retirement income per year thus damaging your retirement lifestyle.
What do you want to leave to your dependents or if you have no dependents what do you want to do do with the money you have not spent – restrictions in spending power or the realisation you need to spend every penny should influence your retirement planning.
Saving a little over a long time is much better, on average, than starting to save for your retirement late in life – your retirement fund will hopefully grow faster over the long term without you needing to put as much money into the pot with features like compound interest supporting the increase in your retirement savings.
Do not waste money over your working life – what is wasting money for one person may be critical to the next persons enjoyment of life. However, most things can be purchased cheaper with a little effort.
Be clear on what your incomings and outgoings are – the difference may allow you to boost your retirement savings or alert you to a need to either change your lifestyle before retirement or change your plans for your retirement.
Beware of the trade off between risk and reward – it is unfortunately a truism that if you want your retirement savings to grow without you contributing more to the pot yourself from your working life earnings then you must accept that low risk investments bring less return on money invested. Higher risk investments may bring greater returns, but could also mean you lose some or even all of your money.
There is now off the shelf retirement savings plan you can adopt. Even if there was, it may not work for you over decades as your life circumstances change over time. Your retirement savings plan needs to grow with you.
You can live the best life before retirement and after retirement. However you may need to work a little harder at making the best of your life to live the best life you can.
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Change Your Thinking Habits To Change Your Tomorrow
Have you ever stopped to consider the power of your thoughts? The way you think can have a profound impact on your life, shaping your actions, emotions, and even your physical well-being.
If you’re not happy with the direction your life is heading, it might be time to start changing the way you think.
One thing to keep in mind is that changing the way you think is not a quick or easy process. It requires a lot of self-awareness and effort, but the rewards are worth it. By changing your thought patterns, you can create a brighter and more fulfilling future for yourself.
So, how can you go about changing the way you think? Here are five tips to get you started:
Practice mindfulness. Being present in the moment can help you to be more aware of your thoughts and how they impact you. By practicing mindfulness, you can learn to recognize negative or unhelpful thoughts as they arise and choose to let them go.
Challenge negative thinking. It’s natural to have negative thoughts from time to time, but if you find yourself constantly dwelling on the negative, it’s time to start challenging those thoughts. Ask yourself if the thought is true, and if not, try to reframe it in a more positive light.
Surround yourself with positive influences. The people you spend time with can have a big impact on your thoughts and attitudes. Surround yourself with people who are supportive and positive, and avoid those who bring you down.
Engage in activities that challenge your thinking. Whether it’s reading a challenging book, trying a new hobby, or learning a new skill, engaging in activities that challenge your thinking can help you to see things in a new light and broaden your perspective.
Practice gratitude. Focusing on the things you are grateful for can help you to shift your perspective from negative to positive. Take a few minutes each day to reflect on the things you are thankful for, and watch your outlook on life start to change.
Changing the way you think takes time and effort, but it’s worth it. By adopting these habits, you can start to create a brighter and more fulfilling future for yourself.
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Find new ways to boost your health in the UK. Read lifestyle improvement articles and watch videostreaming live and ondemand to pick up tips on better life choices. Signup for free alerts to your inbox or come back to search for latest thinking on better health wealth and happiness. If you live in the UK live an easier better life. When you are looking for inspiration come for CheeringupInfo.
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What will make you happier? Can simply being happier improve your health?
Happiness does not have to be your happiness to improve your health – Seeing other people happier can make you happier even if you are unconnected to the happier person or why they are happier. Experiencing other people enjoying life more can make you feel better.
Helping others helps you improve your health – Amazing things happen to you when you do great things for other people. You boost your own feel good feelings and benefit from enhanced wellness.
Changing your attitude to your own life can improve your physical and mental health – Change your future simply by changing your attitude to your lot in life. Some people have very difficult lives. However it is often hard to know who these people are. Just because someone lives in a mansion does not mean they are happy with their life. Being homeless does not automatically make your life an unhappy life. Having enough money to do what you want out of life is clearly more likely to make you a happier person, but your attitude to life is most likely to be the real guide to whether you are happy or not. Changing your future enjoyment of life by changing your attitude to your life.
Taking control of your life can improve your health – Being in control of your life can make you happier. Being happier will help you to be more motivated to take steps to improve your physical and mental health. Feeling helpless, like driftwood on the sea, may mean you decay or fall apart over time. Taking control of the final destiny for you may mean you end in worse or better place but you will feel better on the journey of life. This feeling better improves your mental health and gives you more strength to tackle life more easily. Never blame anyone else for your place in life. Take control of your destiny starting right now! Failure is when you don’t try, not when you try and fail.
Living for today not tomorrow and certainly not your past will make you happier and being in the moment can boost contentment with your life improving your health – Being content with your life will improve most people’s health. Constantly worrying about your future can itself make you more likely to suffer from depression. Constantly regretting previous life choices is nonconstructive – if you cannot change the outcomes from your past decisions then leave your past behind you. Unburdening your life today and each and every new day when it comes, will lift your enjoyment of life. Enjoying your life more will improve your overall health.
Next step is to know what makes you happy! That is not immediately obvious.
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Enjoy the great outdoors in the UK more for less with CheeringupInfo
Helping you wild swim more with less effort and either for free or low cost to make your life easier and better. Swimming all year round is possible with a little precaution and preparation. Wild swimming in the Spring, Summer and Autumn in the UK is accessible for many people. It is different from swimming in a pool cause it is an adventure, is invigorating and can boost your feelings about yourself and the quality of your life in the UK. We track down and promote the best wild swimming places plus open air swimming in the likes of lidos. Subscribe to CheeringupInfo for free to receive free alerts reviews and updates to your inbox. We cover the whole UK. Whenever you feel like something different to make your life easier and better let CheeringupInfo help you for free.
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Yorkshire Wild Swimming
Best Spots for Wild Swimming in Yorkshire: Dive into Nature’s Beauty
Yorkshire, England’s largest county, is a haven for outdoor enthusiasts seeking natural beauty and adventure. One of the most captivating ways to connect with the region’s picturesque landscapes is through wild swimming. Whether you’re a seasoned swimmer or simply enjoy the exhilaration of immersing yourself in nature’s pools, Yorkshire offers a plethora of stunning spots to indulge in this timeless activity. In this article, we’ll explore the best wild swimming spots in Yorkshire, from tranquil rivers and hidden waterfalls to scenic lakes and enchanting coastal stretches. So, pack your swimming gear and get ready to dive into the breathtaking beauty of Yorkshire’s wild swimming destinations.
Gordale Scar
Located in the heart of the Yorkshire Dales National Park, Gordale Scar is a striking limestone ravine that provides a dramatic backdrop for a refreshing swim. The crystal-clear waters that flow through the gorge are perfect for a dip on a warm summer’s day.
Ingleton Waterfalls Trail
Embark on the Ingleton Waterfalls Trail to explore a series of magnificent waterfalls, including Thornton Force and Pecca Falls. Along the trail, you’ll find inviting pools where you can take a dip and rejuvenate amidst the stunning cascades.
Semerwater
Nestled in the heart of the Yorkshire Dales, Semerwater is a tranquil lake surrounded by verdant hills. Its calm waters offer a serene setting for a leisurely swim, with the added option of kayaking or canoeing for those seeking further adventure.
Janet’s Foss
Tucked away in the woodlands near Malham, Janet’s Foss is a magical waterfall with a small plunge pool. The pool’s clear waters and the lush green surroundings create an idyllic spot for a peaceful wild swim.
The Strid
As the River Wharfe narrows and cascades through the Bolton Abbey Estate, it creates the mesmerising Strid. Although caution is advised due to its powerful currents, experienced swimmers can take a dip in the deep pools and experience the thrill of swimming in a natural wonder.
Malham Cove
Malham Cove is a dramatic limestone cliff formation that attracts climbers and walkers, but it also offers a unique swimming experience. After exploring the magnificent cove, take a refreshing dip in the beck that runs through it.
Kettlewell Village
Kettlewell is a picturesque village surrounded by stunning countryside and the River Wharfe. The river provides various spots for swimming, where you can enjoy the beautiful surroundings and the tranquil sound of flowing water.
Aysgarth Falls
The iconic Aysgarth Falls, with its series of cascades and deep plunge pools, is a true spectacle. Venture into the lower falls area for a memorable wild swimming experience amidst the stunning natural beauty.
Lake Gormire
Tucked away in the North York Moors, Lake Gormire is a hidden gem with a mystical charm. Surrounded by woodland, this small lake offers a peaceful escape for wild swimmers seeking solitude and a deep connection with nature.
Hayburn Wyke
Hayburn Wyke, situated between Scarborough and Whitby, is a secluded bay with a charming waterfall that tumbles into the sea. Explore the rock pools and enjoy a refreshing swim where the freshwater meets the saltwater.
River Nidd, Pateley Bridge
The River Nidd in Pateley Bridge offers a delightful combination of natural beauty and fantastic wild swimming opportunities. Follow the river upstream and discover serene pools and gentle rapids perfect for cooling off on a hot summer’s day.
How Stean Gorge
How Stean Gorge is a dramatic limestone ravine that attracts thrill-seekers and nature lovers alike. Besides its spectacular caving and rock-climbing experiences, the gorge features sections where you can swim and immerse yourself in its breathtaking surroundings.
Malham Tarn
Malham Tarn, the highest lake in England, is a serene spot surrounded by rolling hills and limestone pavement. The lake’s pristine waters beckon swimmers to take a dip and experience the tranquility of this remote and beautiful location.
Goit Stock Falls
Located near the village of Cullingworth, Goit Stock Falls is a hidden gem in the heart of Brontë Country. The cascading waterfalls and deep pools offer a refreshing retreat for wild swimmers looking for a touch of seclusion.
Fountains Abbey
Fountains Abbey, a UNESCO World Heritage Site, is renowned for its magnificent ruins and landscaped gardens. The River Skell that runs through the estate provides delightful spots for wild swimming, allowing visitors to combine history with aquatic adventures.
Castle Howard Lakes
Castle Howard, with its grand stately home and sweeping landscapes, also boasts a series of lakes perfect for wild swimming. Immerse yourself in the tranquility of these beautiful lakes and revel in the serenity of your surroundings.
River Swale, Richmond
The charming market town of Richmond is blessed with the River Swale meandering through its heart. Along its course, you’ll discover numerous calm sections and small waterfalls where you can take a dip and enjoy the scenic beauty of the Yorkshire Dales.
Flamborough Head
Flamborough Head, a stunning coastal area, offers an exhilarating wild swimming experience in the North Sea. Explore the rocky coves and take a dip in the clear blue waters, surrounded by towering cliffs and seabird colonies.
Bridestones
Bridestones, located near the village of Dalby Forest, is an otherworldly rock formation dating back millions of years. Its unique sandstone structures are complemented by inviting pools, making it a captivating destination for both swimmers and nature enthusiasts.
Trollers Gill
Tucked away in the Yorkshire Dales, Trollers Gill is a mystical limestone gorge steeped in folklore. After wandering through the enchanting gorge, reward yourself with a refreshing swim in the clear pools, surrounded by rugged beauty.
Yorkshire’s wild swimming spots provide a refreshing and invigorating way to immerse yourself in the region’s natural wonders. From cascading waterfalls and tranquil lakes to meandering rivers and breathtaking coastal stretches, the county offers a diverse range of locations to satisfy the adventurous spirit. Whether you seek a peaceful dip in a secluded spot or an adrenaline rush in a powerful river, Yorkshire has it all. Remember to respect the environment, follow safety guidelines, and leave no trace of your visit. So, grab your swimwear and prepare to dive into the incredible beauty of Yorkshire’s wild swimming destinations. Discover hidden gems like Gordale Scar and Janet’s Foss, where you can swim in the midst of dramatic waterfalls and serene plunge pools. Explore the stunning rivers and lakes, such as the River Nidd in Pateley Bridge or the peaceful Malham Tarn, offering refreshing swims amidst picturesque landscapes.
For those who prefer the coastal charm, the rugged cliffs of Flamborough Head and the secluded bay of Hayburn Wyke provide thrilling opportunities to swim in the open sea. Immerse yourself in the magic of How Stean Gorge, where you can swim amidst breathtaking limestone formations and lush surroundings.
As you venture through Yorkshire’s wild swimming spots, be mindful of safety precautions and the fragility of the natural environment. Respect any guidelines and regulations in place to preserve the beauty for future generations.
So, whether you seek an adrenaline rush or a tranquil escape, Yorkshire’s wild swimming spots offer an unforgettable experience. Pack your swimsuit, towel, and a sense of adventure, and embark on a journey through Yorkshire’s stunning landscapes, where the beauty of nature and the joy of swimming combine to create moments of pure bliss.
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Dwelling on past failures or perceived failures binds you to the past and may be impacting adversely on your enjoyment of present. This can damage your future life. However worrying about the future can create a constant state of unrelenting anxiety and perhaps even cause depression. Planning for your future should be a positive constructive task not a state of anxiety – your future has not happened yet so plan for it with minimal fear worry or anxiety.
Many people imagine life is worse than it really is. Even when life is bad or not running as smoothly as you would like, extracting the best out of a bad situation will make your life at least better if not great.
Taking risks in your life can be frightening but staying where you are now should be more frightening. The benefits of remaining in the security of where are now may need to be dispensed with in return for progression in your life.
You may need to work harder at your life to make it better. If you aspire to be more successful this normally requires hard work. Being more successful may mean more money but not automatically so. More wealth in your life is not always measured in money or financial wealth. More wealth could mean more money and time to do the things in your life you enjoy.
The Power of Perspective: How to Reframe a Bad Day
We’ve all had those days where everything seems to go wrong. Your alarm doesn’t go off, you spill coffee on your shirt, and then you get stuck in traffic. It’s easy to get caught up in the negativity and let one bad thing lead to another. But what if there was a way to break this cycle and turn a bad day around?
Enter the power of perspective. The way we view a situation can have a huge impact on how we feel about it. By shifting our perspective, we can reframe a bad day and find the silver lining in even the most challenging situations. Here are a few tips for reframing a bad day:
Look for the learning opportunity. When something goes wrong, it can be easy to get frustrated and dwell on the negative. But try to shift your focus to what you can learn from the situation. Maybe you’ll discover a new way of doing things, or maybe you’ll learn to be more prepared for the next time something goes awry.
Practice gratitude. It’s easy to get caught up in the things that are going wrong, but try to focus on the things that are going right. Write down a few things you’re grateful for, no matter how small. This can help shift your focus from the negatives to the positives.
Seek out the good. Look for the small acts of kindness or the moments of joy throughout your day. It could be something as simple as a stranger holding the door open for you or a coworker bringing in donuts. By actively seeking out the good, you’ll start to see more of it in your day.
Put things into perspective. When things are going wrong, it can feel like the world is against you. But try to take a step back and remember that this is just one day, and it will pass. It’s easy to get caught up in the drama, but try to keep things in perspective and remember that it’s just a small blip in the grand scheme of things.
Seek support. If you’re having a particularly tough day, it can be helpful to reach out to someone you trust for support. Whether it’s a friend, family member, or a therapist, having someone to talk to can help you process your feelings and find a way to move forward.
By shifting your perspective, you can reframe a bad day and find the silver lining in even the most challenging situations. Remember, it’s not about ignoring the negative or pretending everything is okay when it’s not. It’s about finding a way to make the best of a tough situation and coming out stronger on the other side.
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When you realise life is precious what will you do to make your life better
You may die before someone with terminal cancer in a car accident! Is living a long life a good thing anyway? Do people who live a short life packed with amazing things live a better life than someone who just effectively exists to 100? Are you living the life you want or are you just trying to make a living? Is doing the same thing every day with people you love better than achieving new things on your own?
Even people who love something passionately can be differentiated from others in their tribe by the other things in their life that make them different. One persons desire could be another persons fear. Some people jump out a plane hundreds of times whilst others could not be persuaded to get in the plane in the first place!
What you want out of life should not be determined by anyone other than yourself. Whatever it is that makes you rock your world you need to realise the most precious thing you have in your life is time. Time to experience the things you love.
The realisation of the value of time is crucial no matter what age you are. When you truly believe tomorrow may never come for you, it should change your whole outlook on life choices. It should trigger the need to plan for a better life for yourself. If it doesn’t then you haven’t yet grasped the value of time.
If you knew with 100 percent certainty you will definitely die on a specific date in the future and had the means to make choices about your life what would you do differently today?
Hopefully make a plan to live your life differently!
Few people are living the exact life they want for themselves. Many people do not even know what exact life the ideally want for themselves. How can you work towards the realistic best life for yourself if you do not know what your best life looks like?
Planning for a better life does not mean your plan will work out exactly as planned. If you created a plan the first thing you will discover is that life intervenes into your best laid plan! That does not mean the time you invested in your new life plan was wasted. It just means you may land in a different place than you thought you would but the new place is a better place than you would otherwise have found with no plan.
Not everyone wants to own a mansion, buy a super car, fill their wardrobe with designer clothes or have other materialistic ambitions
If you do that does not make you a selfish bad person. Being debt free is a traditional ambition in the UK that many still dream of – paying off mortgage and having no debt is their dream of stress free fun life. You do not need to have a million pounds to be a millionaire. The new millionaire wealthy people are the people with a wealth of time and a big enough budget to do the things they love. A big enough budget does not have to be massive. Your funds just need to be big enough for your dream life, not anyone else’s.
Working through life problems is the main part of life
Some people have small problems they think are huge. Others have huge problems they are confident they can manage. Wherever you are on the spectrum, hope you can overcome your life problems can support you long enough to put in place practical measures to achieve life goals.
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How Can We Make Better Choices In Life with CheeringupInfo
Better Life Choices
Making better choices in life involves developing good decision-making skills, being aware of your values and goals, and taking the time to consider all available options. Here are some tips to help you make better choices:
Clarify your values and priorities: Understand what is important to you and what your goals are. This will help you make decisions that align with your values and priorities.
Gather information: Do your research and gather all the information you need to make an informed decision. This includes both factual information and opinions from others who have experience in the area you are considering.
Consider the pros and cons: Make a list of the potential benefits and drawbacks of each option. This can help you weigh the pros and cons and make a more informed decision.
Consider the long-term consequences: Think about how each option will impact you in the long run, not just in the short term. Consider the potential risks and benefits of each option.
Trust your intuition: Sometimes your gut instinct can be a valuable guide when making decisions. Pay attention to your feelings and trust your intuition, especially if you have experience in a similar situation.
Seek advice: It can be helpful to seek advice from trusted friends, family members, or professionals when making important decisions. They may be able to provide valuable insights and perspectives that you may not have considered.
Take action: Once you have made a decision, take action and move forward. Don’t second-guess yourself or procrastinate. Remember that making mistakes is a normal part of the learning process, so don’t be too hard on yourself if things don’t go as planned.
By following these tips and practicing good decision-making skills, you can make better choices in life and achieve your goals more effectively.
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Time rich is the new rich in the UK. People with money are not necessarily happy people. The richest people are the people with more time and enough money to do the things they want that make them happy. People who can make time for themselves are getting richer. What is your net worth?
Use CheeringupInfo to make your life easier and better. Create more wealth for yourself by making more time for yourself. Read articles on saving money and time. Watch videostreams to discover best ways to improve your life. By quickly picking best ways to improving your life in the UK you create more time and save money identifying best deals discounts and special offers. When you need new ideas or inspiration to boost your enjoyment of life in UK they are regularly updated here. UK residents and visitors to the UK can save time and money.
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CheeringupInfo to make life in retirement in UK easier and better
Making it easier to be a success after 55 in the UK. Read articles and watch videos to pick up tips on being a success after 55 in UK. Working with like-minded positive leaders influencers and lifestyle improvement experts we aim to make your decision-making easier and better. When you are ready and open to new ideas to make the 3rd act of your life the best part of your life we are here to help you. If you are planning for or in retirement in the UK read on.
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Over 55s can access help advice and tips to improve life in the UK and beyond.
What things have mainstream media missed in the narrative on the over 55s in the UK?
Over 55s Seemingly Unemployable – The media tells us that the Covid pandemic has hurt the over 50s around as much as the young working age people in the UK. The media reports this but rarely reports our vast experience energy resilience and adaptability. We haven’t seen it all but we have experience to support business growth.
Over 55s Ain’t Pretty – Much of the advertising spend is directed at the young yet over 55s on average have more spending power than young people.
Over 55s Too Boring To Be On Latest Platforms Like TikTok – Get off TikTok granddad! Where are the over 55s to go then?
Over 55s Too Old To Date – Current dating apps are relatively poorly populated compared to dating apps perceived to be for younger people. Many people list their age as younger than they are so as not to be missed by non-zombie oldies! Daters are as guilty as dating app suppliers.
Over 55s Fashion Free Designs – Over 55s can be accused of lacking good fashion-sense. Mutton dressed as lamb or lacking style. However there is a dearth of fashion style for all sizes of over 55s in UK.
Over 55s Live To Work – Over 55s have supplied labour to exploitative employers and often poorly paid into the bargain. We were educated poorly and shepherded into slavedom but we knew no better. Maybe Covid pandemic has changed how over 55s look at life. The greatest mistake we make is to think you have time. Are you living the life you want to or are you just trying to make a living?
It’s Too Late For over 55s to change career – Many people have made a success of their career changed in later life. What’s required is a desire to change and then dedication to a change of career plan.
It’s Too Late To Start A Business When Over 55 – You won’t have energy to build a new business! Some will some won’t, just like some young people will or will not. However it is likely that over 55s have more experience to build smarter rather than just work hard.
Over 55s Only Have Small Working Age Window – 67 is the retirement age just now but this is set to increase, partly because the UK cannot afford to pay state pension and partly because people are living alot longer now. Healthier and fitter too.
Its Easier To Train Younger People For 4th Industrial Revolution 4IR Jobs – Over 55s are more than capable of adapting. We’ve seen and adapted to invention of mobile phones and computers and we will adapt for new 4IR jobs.
Leisure Pursuits For Over 55s Need To Be More Sedate – Pipes slippers and knitting are not the gift all elderly people in UK seek. Over 55s age band is a very big one – maybe 30 or 40 years of differing tastes and demands are unfulfilled by UK business leaders. Plus the over 55s have more time to do leisure pursuits more often.
Over 55s Vote So Their Opinions Matter Most – Many do not vote. However a more balanced approach to social provision would benefit everyone including the over 55s! The over 55s should not matter more than 18 year olds. All lives matter!
Over 55s In UK Are The Lucky Ones – Many over 55s do have final salary pensions and own own homes so are rolling in money. Some are but many have little pension provision and either don’t own home or do but are cash poor.
Over 55s Have Nearly Killed The Planet – One in two people will die from cancer. What you can do to reduce your risk of dying from cancer has been known for sometime, but it still takes a lot of education and support to make better life choices such as stopping smoking or switching to vaping or improving diet by eating less processed or red meat to reduce likelihood of dying from cancer. Similarly, it is only recently in the lifetime of the industrial revolution that global warming and environmental protection that the route to salvation has been clearer. It will take more education and support to change attitudes. Many over 55s have children and grandchildren and do not want to leave a dead planet behind.
All lives matter and obscuring or cancelling out over 55s attitudes opinions or needs is wrong. Understanding and catering for all over 55s will improve the lives of everyone in the UK. Businesses will be able to sell more. The tax income from supplying the needs of over 55s will help pay for society needs for the benefit of everyone.
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