What happens if you don t have enough money for retirement UK? Long life secure your future.
24 ways to avoid the Looming retirement crisis in uk from living too long – with not enough money
While living a long life is a positive thing, it can strain retirement finances if you haven’t prepared adequately. Here are 24 ways to address the challenge of longevity and potential shortfalls in retirement income:
Financial Planning
Start Saving Early: The earlier you start saving, the more time your money has to grow through compound interest.
Increase Contribution Rates: Even small increases to your pension contributions can significantly boost your retirement nest egg.
Maximise Employer Matching: Contribute enough to your workplace pension to get the full employer match, essentially free money.
Track Your Spending: Understanding your spending habits helps identify areas where you can cut back and free up more money for savings.
Create a Retirement Budget: Estimate your retirement expenses to determine how much you need to save.
Debt Management
Pay Off High-Interest Debt: High-interest debts can quickly eat away at your retirement savings.
Develop a Debt Repayment Plan: Create a strategy to eliminate debt before or during retirement.
Avoid Unnecessary Debt: Be mindful of taking on new debt, especially close to retirement.
Lifestyle Adjustments
Consider Downsizing Your Home: Moving to a smaller home can free up equity and reduce housing costs.
Explore Affordable Housing Options: Consider retirement communities or co-housing arrangements for affordability.
Reduce Discretionary Spending: Analyse your spending and cut back on non-essential expenses.
Embrace Frugal Living: Find ways to enjoy life without spending a lot of money.
Travel During Off-Peak Seasons: Travelling during shoulder seasons can be significantly cheaper.
Explore Free or Low-Cost Activities: Many hobbies and leisure activities don’t require a lot of money.
Income Strategies
Delay Retirement:Working a few extra years allows you to contribute more to your retirement savings and receive a higher state pension.
Pursue a Side Hustle: A part-time job or freelance work can supplement your retirement income.
Rent Out a Room or Property: Renting out a spare room or property can generate additional income.
Invest in Income-Generating Assets: Consider investments like dividend-paying stocks or rental properties.
Government Support
Understand State Pension Benefits: Research the eligibility requirements and amount of state pension you’ll receive.
Explore Pension Credit: This benefit tops up your state pension if your income is low.
Seek Free Financial Advice: The government offers free financial guidance to help you plan for retirement.
Financial Freedom with CheeringupInfo Money Tips Magazine
How To Achieve Financial Freedom and Live The Life You Want
How to get financial freedom fast. Financial Freedom UK. Create financial freedom plan for yourself. Develop the feeling of financial freedom. A pile of money does not mean you have financial freedom. You do need money but the right amount of money to achieve financial freedom in the UK. Identify how much money you need and plan to attain that amount of wealth to maximise happiness.
Financial freedom is attainable in the UK. Becoming a millionaire over your lifetime in terms of accrued assets is possible for a significant minority of people in the UK. Just look at the value of a home in the UK. The average is around the quarter of a million pounds. A lifetime of saving into a UK pension can get close to half a million pounds. You only need another quarter of a million to become a millionaire!
Financial freedom does not mean accruing a million pounds or even anything like that amount of money. While it is nice to have money and being able to pay for cost of living comfortably financial freedom is not actually about the money or possessions you can buy. Financial freedom is about living your best life in the UK.
Financial freedom is the choice to quit your job if you want to. It is the choice of doing what you want that makes you happy even if that means doing nothing! Financial freedom could mean taking a pay cut and working less. Financial freedom means that you choose what to do each and every day. Make all life decisions without being overly stressed about the financial impact because you are prepared for every eventuality.
Gaining financial independence is not about getting rich. It is about enriching your life!
CheeringupInfo
Pick up more tips with CheeringupInfo.
What does financial freedom mean to you?
Financial freedom could mean having enough financial wealth to afford the lifestyle you want for yourself and your family. Maybe it means you have built enough financial wealth to allow you to retire. Maybe financial freedom means you can give up a job you hate and start a career that is more fulfilling that you are more passionate about.
Whatever it is you still need a certain amount of money to live the life you want for yourself. Therefore you need to know what life you want to live and how much money you need to live that life. If the money you need is lower then you can reach financial freedom faster.
Be guided to the steps you need to take to attain financial freedom in the UK
Make the money you need to live well in the life you have chosen. Money gives you choices. Be enabled to live your life the way you want to live it
Develop the right habits to reach your financial freedom in UK
CheeringupInfo
Ideally your availbale money should be focused on the needs that will bring you financial freedom quicker but within parameters of how you want to live whilst striving for financial freedom. If you want to piss your money up against the wall on lots of alcohol expensive food and lots of fashion then financial freedom is going to take longer unless you have a job with salary closer to one hundred thousand pounds than twenty thousand pounds!
A frugal but acceptable UK lifestyle will bring financial freedom closer quicker. You may have to change your mindset. Alternatively financial freedom may not be a realistic aspiration to aim for.
We help you live a more frugal lifestyle in UK not a worse life!
In addition to helping you change your mindset we help you find amazing UK deals discounts and special offers. Life will suck less if you grab bargains on the products and services that make you feel good! You can still spend your money with reduced stress or worry.
We help you build wealth in a way that saves you time and money so you can be truly wealthy! Gain the financial ability to arrange your life in any way you want.
CheeringupInfo
Financial freedom uses money as a tool to get what you want out of life. Do not live for more money. Live for financial freedom! Pursue a passionate fulfilled life not a life with lots of money! Enough money to live the life you want is plenty of money.
Subscribe to CheeringupInfo for free alerts bulletins and reviews to your inbox
Read financial freedom articles and watch videostream trending on CheeringupInfo
Plan your financial freedom in the UK with cheeringup.info
Financial Freedom UK Guide
Achieving Financial Freedom in the UK: A Comprehensive Guide
In today’s fast-paced world, achieving financial freedom has become a goal for many individuals in the UK. Financial freedom refers to the state of having enough wealth and resources to sustain a comfortable lifestyle without being dependent on a traditional 9-to-5 job or living paycheck to paycheck. It provides individuals with the freedom to make choices about their lives, pursue their passions, and achieve their long-term goals without the burden of financial stress. In this comprehensive guide, we will explore the concept of financial freedom in the UK and provide practical tips and strategies to help individuals attain this coveted state.
Understanding Financial Freedom
Financial freedom is not a one-size-fits-all concept, as it can mean different things to different people. For some, it may mean having enough savings to retire early, while for others, it may mean having the financial flexibility to travel the world or start their own business. However, at its core, financial freedom is about having control over your finances and the ability to live life on your own terms.
In the UK, achieving financial freedom requires careful financial planning, disciplined saving and investing, and smart money management. It involves understanding your current financial situation, setting financial goals, creating a budget, managing debts, building an emergency fund, investing wisely, and continually monitoring and adjusting your financial plan as needed. It requires a long-term mindset and the willingness to make sacrifices and take calculated risks to achieve your financial objectives.
Let’s explore some practical tips and strategies that can help individuals in the UK on their journey to financial freedom.
Understand Your Current Financial Situation The first step towards achieving financial freedom is to gain a clear understanding of your current financial situation. This involves taking stock of your income, expenses, debts, and assets. Start by creating a comprehensive list of all your sources of income, including your salary, investments, rental income, and any other sources of revenue. Next, create a detailed list of all your expenses, including essential and discretionary expenses, such as housing, utilities, transportation, groceries, entertainment, and savings. This will help you gain a clear picture of your cash flow and identify areas where you can potentially save money.
In addition, make a list of all your debts, including credit card debt, student loans, mortgages, and any other outstanding loans. Take note of the interest rates, monthly payments, and total outstanding balance for each debt. This will help you prioritise your debts and develop a plan to pay them off strategically.
Finally, assess your assets, including your savings, investments, retirement accounts, and real estate properties. Understanding your net worth, which is the difference between your assets and liabilities, will give you a sense of your overall financial health and help you track your progress towards financial freedom.
Set Financial Goals Setting clear financial goals is essential in your journey towards financial freedom. Goals provide direction, motivation, and a sense of purpose, and they help you stay focused and committed to your financial plan. When setting financial goals, it’s important to make them specific, measurable, achievable, relevant, and time-bound (SMART). For example, instead of setting a vague goal like “save money,” set a specific goal like “save £5,000 in an emergency fund within the next 12 months.”
Your financial goals should be aligned with your values and priorities, and they should reflect your short-term, medium-term, and long-term objectives. Short-term goals may include building an emergency fund, paying off credit card debt, or saving for a vacation. Medium-term goals may include buying a house, starting a business, or funding your child’s education. Long-term goals may include saving for retirement, leaving a legacy, or achieving financial independence.
Once you have set your financial goals, create a plan to achieve them. Break down each goal into smaller, actionable steps and set deadlines for each step. Regularly review and update your goals as your financial situation evolves and celebrate your progress along the way.
Create a Budget Creating and sticking to a budget is a crucial aspect of achieving financial freedom. A budget is a plan that helps you track your income, expenses, and savings, and ensures that you are living within your means. Start by listing all your sources of income and subtracting your essential expenses, such as housing, utilities, transportation, groceries, and debt payments. Allocate a portion of your income towards savings and investments, and set aside money for discretionary expenses, such as entertainment and dining out. It’s important to be realistic and disciplined when creating a budget and avoid overspending or unnecessary expenses.
Using budgeting tools, such as apps or spreadsheets, can help you track your expenses and stay on top of your budget. Regularly review your budget and make adjustments as needed to align with your financial goals and priorities. By having a budget in place, you can effectively manage your money, save for your financial goals, and make informed spending decisions.
Manage Debts Strategically Debts can be a significant hindrance on your journey towards financial freedom. It’s essential to manage your debts strategically and pay them off as soon as possible to reduce the interest charges and free up money for savings and investments. Start by prioritising your debts based on the interest rates and outstanding balances. Consider paying off high-interest debts, such as credit card debts, first to minimise the interest charges.
Explore strategies, such as the debt snowball or debt avalanche method, to accelerate your debt repayment journey. The debt snowball method involves paying off the smallest debt first and then using the freed-up money to pay off the next smallest debt, and so on. The debt avalanche method involves paying off the debt with the highest interest rate first and then moving on to the debt with the next highest interest rate.
In addition, consider negotiating with your creditors for lower interest rates or payment plans that suit your budget. Look for opportunities to refinance your debts at lower interest rates, which can save you money in the long run. Remember, the faster you pay off your debts, the more money you will have to save, invest, and work towards your financial freedom.
Build an Emergency Fund Building an emergency fund is a critical component of achieving financial freedom. An emergency fund is a separate savings account that is meant to cover unexpected expenses, such as medical emergencies, car repairs, or job loss. Having an emergency fund in place can provide you with a financial safety net and prevent you from relying on credit cards or loans during emergencies.
Aim to build an emergency fund that can cover at least three to six months of your essential expenses. Start by setting up an automatic monthly transfer from your paycheck or checking account to your emergency fund. Consider keeping your emergency fund in a high-yield savings account or a money market account to earn some interest while keeping the funds easily accessible.
Invest Wisely Investing is a crucial tool for building wealth and achieving financial freedom in the UK. By investing wisely, you can grow your money over time and take advantage of compounding returns. There are various investment options available in the UK, such as stocks, bonds, real estate, mutual funds, and pensions. It’s important to understand the risks and rewards associated with each investment option and choose the ones that align with your financial goals and risk tolerance.
Consider seeking professional advice from a financial advisor or doing thorough research before making investment decisions. Diversify your investments across different asset classes and regions to spread the risk and maximize the potential returns. Regularly review and rebalance your investment portfolio to ensure that it remains aligned with your financial goals and risk tolerance.
It’s also important to have a long-term investment mindset and not get swayed by short-term market fluctuations. Avoid making emotional investment decisions based on market trends or rumours. Instead, focus on building a diversified portfolio and staying disciplined in your investment strategy. Keep in mind that investing comes with risks, and it’s important to be prepared for potential losses. Always do your research, understand the risks, and make informed investment decisions.
Increase Your Income Increasing your income can significantly accelerate your journey towards financial freedom in the UK. Look for opportunities to advance in your current job or negotiate a raise with your employer. Consider acquiring new skills or certifications that can make you more valuable in the job market and increase your earning potential. Explore side hustles or part-time jobs to supplement your income and save or invest the extra money towards your financial goals.
Additionally, consider creating multiple streams of income, such as rental properties, investments, or a small business, to diversify your income sources and increase your cash flow. However, it’s important to carefully manage your time and resources to avoid spreading yourself too thin or jeopardizing your primary source of income.
Minimise Expenses Minimising your expenses is another effective way to achieve financial freedom in the UK. Review your monthly expenses and identify areas where you can cut back or eliminate unnecessary spending. Look for ways to save on recurring expenses, such as housing, utilities, transportation, and groceries. Consider downsizing your living arrangements or finding more affordable housing options. Look for opportunities to save on energy bills by being mindful of your electricity and water usage.
Be frugal and prioritise your financial goals over unnecessary expenses, such as dining out, entertainment, or impulse purchases. Avoid accumulating unnecessary debt, such as credit card debt or high-interest loans, by living within your means and only spending on things that align with your financial goals and priorities.
Protect Your Finances Protecting your finances is crucial to achieving and maintaining financial freedom in the UK. Consider getting insurance coverage to protect yourself and your assets from unexpected events, such as illness, disability, accidents, or natural disasters. Health insurance, life insurance, disability insurance, and home insurance are some of the essential insurance coverages to consider.
Review your estate planning, including your will, trust, and power of attorney, to ensure that your assets are protected and distributed according to your wishes. Protect your personal information and financial data from fraud or identity theft by being cautious with online transactions and regularly monitoring your financial accounts.
Educate Yourself Financial education is key to achieving and maintaining financial freedom in the UK. Educate yourself about various financial concepts, such as budgeting, investing, taxes, and retirement planning. Stay updated with changes in the financial landscape, such as tax laws, interest rates, and economic trends, and how they may impact your financial goals.
Consider attending financial literacy programs, workshops, or seminars, or reading books and articles on personal finance. There are many free resources available online that can help you expand your knowledge about personal finance and make informed financial decisions.
Seek Professional Advice Seeking professional advice can be beneficial on your journey towards financial freedom in the UK. Consider working with a financial advisor who can help you create a comprehensive financial plan tailored to your specific needs and goals. A financial advisor can provide guidance on budgeting, debt management, investment strategies, retirement planning, and tax optimisation.
When choosing a financial advisor, do thorough research and consider their qualifications, experience, and fees. Look for a certified financial planner (CFP) or a chartered financial planner (Chartered FP) who adheres to a fiduciary duty and has a track record of providing unbiased and transparent advice.
Stay Disciplined and Patient Achieving financial freedom in the UK requires discipline and patience. It’s important to stay committed to your financial goals and consistently follow your financial plan. Avoid impulsive decisions, stay focused on your long-term objectives, and resist the urge to deviate from your financial plan due to short-term temptations or market fluctuations.
It’s also important to be patient and realistic with your expectations. Building wealth and achieving financial freedom takes time and effort. It’s not an overnight process, and there may be setbacks along the way. Stay persistent and stay the course, even when faced with challenges or obstacles. Remember that financial freedom is a marathon, not a sprint.
Financial freedom is attainable in the UK with careful planning, disciplined saving and investing, and wise financial management. It requires setting clear financial goals, creating a budget, managing debt, saving and investing consistently, increasing your income, minimizing expenses, protecting your finances, educating yourself, seeking professional advice, and staying disciplined and patient.
By following these steps and consistently working towards your financial goals, you can achieve financial freedom and enjoy the peace of mind and opportunities that come with it. Remember, financial freedom is not just about accumulating wealth, but also about having the freedom to live life on your own terms, make choices that align with your values, and secure your financial future. Start taking steps towards financial freedom today and create a brighter financial future for yourself and your family.
Promote and market your business on CheeringupInfo for 12 months
Put your products or services in front of new customers already interested in your type of business offering before your competitors do.
Link into your existing sales process direct from CheeringupInfo or use our eCommerce solutions to increase your sales cash flow and profit
Increase the sources of your revenue streams more sustainably. Grow your business faster on CheeringupInfo.
Finding new ways to enjoy life more in the UK with CheeringupInfo
How To Have More Fun In Life
Are you excited about your life? Are you ready to explore a better life before you die? Do you yearn for a better life? What more could you achieve in your life? When were you last surprised about how could your life could really be?
Take more care of yourself. Live more moments of fun. Create a life of memories. Seize moments of relief from the daily grind of life. Be more open to new life experiences. What could you manifest into your life?
Click on Like Button to find more ways to improve your life in the UK; or email [email protected] to subscribe for free newsletter on lifestyle improvement ideas reviews and deals.
How to live in the moment being more mindful and aware of wellness and wellbeing ideas
Living in the moment, also known as mindfulness, is a practice that involves focusing on the present moment and being aware of one’s thoughts and emotions without judgment. It has been shown to have numerous benefits for physical and mental wellbeing, including reducing stress and improving overall happiness.
To live in the moment, it’s important to start by setting aside some time for yourself. This can be as little as a few minutes each day, or as much as an hour or more. Find a quiet space where you can be alone and free from distractions, and take some deep breaths to help relax your body and mind.
Once you’re feeling calm and centered, focus your attention on the present moment. This can be done through a variety of techniques, such as paying attention to your breath, focusing on a particular object or sensation in your environment, or simply observing your thoughts and emotions without trying to change them.
One way to practice mindfulness is through meditation. This involves sitting comfortably and focusing on your breath, allowing your thoughts to come and go without getting caught up in them. Regular meditation can help train your mind to stay focused and present, and can have numerous benefits for your physical and mental wellbeing.
Another way to live in the moment is to engage in activities that require your full attention and focus. This could be something as simple as going for a walk and paying attention to the sights, sounds, and sensations around you, or engaging in a creative or physical activity that challenges you to be fully present.
In addition to practicing mindfulness and living in the moment, it’s also important to take care of your overall wellbeing. This includes getting regular exercise, eating a healthy diet, getting enough sleep, and staying hydrated. It also means taking time for self-care, such as getting a massage or engaging in activities that you enjoy and that help you relax and de-stress.
By being mindful and present in each moment, and taking care of your physical and mental wellbeing, you can improve your overall happiness and quality of life. So take some time for yourself, focus on the present moment.
How to live your life to the max now and worry less about your future and top 10 things to do before you die
Life is short, and it’s important to live in the moment and make the most of the time we have. While it’s important to plan for the future, worrying too much about it can prevent us from enjoying the present. Instead of spending all your time and energy worrying about what might happen in the future, focus on living your life to the max now and making the most of every day.
To help you do this, here are ten things to do before you die:
Travel to a new place: Explore the world and experience different cultures.
Try a new hobby: Take up a new hobby, such as painting, gardening, or hiking, and discover something you’re passionate about.
Learn a new skill: Challenge yourself to learn something new, such as a language, instrument, or sport.
Volunteer: Give back to your community and help others by volunteering your time and talents.
Spend time with loved ones: Cherish the time you have with your friends and family, and make memories together.
Take care of your health: Eat well, exercise, and prioritize your physical and mental health.
Pursue your passions: Follow your dreams and pursue your passions, whether that’s writing, music, or art.
Try something new: Take a risk and try something you’ve never done before, such as skydiving or bungee jumping.
Be grateful: Appreciate the people, experiences, and opportunities in your life, and express gratitude for what you have.
Live in the moment: Don’t get caught up in worries about the future, and focus on enjoying the present.
By doing these things, you can live a rich and fulfilling life, and worry less about what the future holds.
Best Lifestyle Magazine UK
Discover new ways to make your life more fun. Live in more fun moments. Be more spontaneous or plan a better day in future. Inject more fun into the way you live your life in UK with help from CheeringupInfo.
Reduce the effort to having more fun. Be more creative and explore lifes opportunities to have fun.
Enjoy life more with CheeringupInfo
Try new things for less effort and money. Put your worries to one side for a while. Grow into your life more.
Will you be worried about what you are worrying about now in a years time? Try to get your worries into perspective. Most things you fear will not happen so you worrying about them just wastes your time and energy and makes you unhappy.
Control the things it is possible for you to control. Controlling the controllables and accepting what comes from the uncontrollables will make your life more satisfying. Ask yourself can you control the outcome of what you are worrying about. If the answer is no then stop worrying about it. If you can control the outcome find out what you need to do to control the outcome and do it. Occupying your mind and time with the controllables will help you keep your mind off the uncontrollables!
Having a more fun life is about more than doing fun things or trying new things
Genius Thinking
Cultivate a more positive mindset that takes in the moment and enjoys the simple life experiences will open you to more pleasure satisfaction and contentment. Waking up healthy feeling good is a pleasure not everyone has and being grateful for what you have is an important part of feeling happier. Feeling happier will open you to more fun opportunities. You are thereby developing a more positive virtuous life cycle.
Identify life experiences you want in your life
How To Get What You Want In Your Life
Create your life bucket list of experiences you want to try before you die! Tick them off but do not forget to enjoy your bucket list whilst you are doing it instead of just ticking it off.
Make life exciting and more fun today. If life has become a little boring now is the time to rethink your lifestyle planning.
Stop being tired of life today!
Enjoy The Passage Of Time with CheeringupInfo
The mundane and the routine of life is important to get many practical things done. However having more fun might even help you live longer! Mental health is important not just for the quality of life. Good mental health can help you live longer.
There is always an opportunity to make this time the most enjoyable of your life!
1 Financial Tip For Better Life UK
Better living more fun and good personal care is in part down to a life choice. Whatever life throws at you you can still choose to be happier. Some things make it harder but not impossible to have more fun and be happier. Fun is not unaffordable or impossible whatever cards have been dealt to you.
Promote and market your business that makes life more fun on CheeringupInfo for 12 months
Put your products and services in front of new buyers interested in your type of business offering.
Link into your existing sales process direct from CheeringupInfo or use our eCommerce solutions to increase your sales cash flow and profit. Increase your revenue streams more sustainably. Grow your business faster for longer.
Read lifestyle improvement articles and watch videostream trending on CheeringupInfo
Identifying what you want in life with Cheeringup.Info
Why is it so hard to know what you want out of life?
Clearly define what you want in your life and what you do not want in your life. Visualise yourself getting what you want every day. Do not just think it feel it! Believe you deserve it. You are worth it.
How to live the way you want to live in Uk not how you have been living
Living the way you want to live in the UK can be a challenging endeavor, especially if you have been accustomed to a particular lifestyle. However, it is not impossible to make changes and live the life you desire. Here are some tips to help you achieve this goal.
Identify what you want: The first step to living the way you want is to identify what it is that you want. This may involve assessing your current lifestyle and determining what changes you would like to make. Write down your goals and aspirations, and be specific about what you want to achieve.
Create a plan: Once you have identified your goals, create a plan on how to achieve them. This may involve making lifestyle changes, learning new skills, or taking courses to develop yourself. Make a list of the steps you need to take to achieve your goals, and set achievable targets.
Seek support: Making significant changes can be challenging, and it is essential to have a support system in place. Seek out friends or family members who support your goals and can provide encouragement when needed. Additionally, consider joining online groups or forums where you can connect with like-minded individuals who are also pursuing their dreams.
Take action: A plan is only effective if you take action. Begin by making small changes to your daily routine that align with your goals. This could be as simple as waking up earlier, eating healthier, or exercising regularly. As you make progress, gradually increase the changes you make until you are living the life you desire.
Stay motivated: Pursuing your dreams can be challenging, and it is essential to stay motivated throughout the process. Celebrate your small wins along the way and focus on the progress you have made rather than the distance left to go. Also, visualize the life you want to live and remind yourself why you are making changes.
In conclusion, living the way you want to live in the UK requires deliberate action and commitment. Identify your goals, create a plan, seek support, take action, and stay motivated. With persistence and determination, you can achieve the life you desire.
Sometimes you have so many responsibilities it is hard to give yourself enough time to decide what you want. Other times you have so much choice it is difficult to choose the best for yourself. It can also be difficult to persuade significant others in your life that what is best for you could also be great for them!
Be honest with the people in your life about what you want. Tell everybody that matters in your life what you want. Your honesty will make you more accountable to yourself to get what you want in life.
What I want in life is
It can be so difficult for anyone to say exactly what they want in life as opposed to what they have in their life. It does not mean that what they have in their life is bad. It just means that many do not actually know what it is they want in their life.
Yes you can say I want to win the lottery. However what can you realistically expect to go out and bring into your life? What do you want to achieve in your life in the UK before you die? How are you going to go out and get it?
Its easy to just go through life without worrying about what is in your life. As long as your life is comfortable and familiar that may be good enough for you. If so great. However if you want to live extraordinary life rather than an ordinary life then you need to spend time evaluating what an extraordinary life looks like and how you can realistically achieve it. Investing time and effort may peel away the layers of the onion that do not matter until you get to the centre of what you really want.
You may have to be more selfish. You may not be able to pinpoint exactly what you want in life if you are constantly sacrificing your time and dreams for other people. Identify what makes you truly happy and go for it every day. You have the right to live your life any way that pleases you.
If you want to figure out what you want to do differently with your life?
Join the conversation online and see what real life choices you really have to change your life for the better. Subscribe to CheeringupInfo for free alerts bulletins and reviews to your email inbox.