3 Things to Plan for your Future to ease your Mind.



There are many events in life that take us down different paths but there are certain things that are inevitable and some of these you can plan for to put your mind at ease. Current world events are a perfect example of some of the things that can happen as we see unexpected Covid-19 deaths and mass job loss.

But there are also things that can happen in life that we don’t necessarily want to think about or plan ahead for but they are a fact of life and shouldn’t be shied away from. By addressing some of these issues and planning for them we can ease our minds by planning for both the psychological impact and the financial burden that they can potentially place on us.

Some of the most significant events in life that we can plan for include:

  • Funeral
  • Retirement
  • Uncertain Times

Death is an inevitable part of life and can be eased with good planning while retirement can be thought of as a new chapter and we are all subject to uncertain events that can have a massive impact on our lives.

Plan for the Inevitable

We will all die and have loved ones and people close to us die as well, including parents, siblings, and hopefully not but possibly children as well as friends, relatives, and colleagues. A recent survey concluded that 20% of Americans are very afraid of dying and as such have developed a phobia of it.

However, accepting death as an inevitable part and a conclusion to your life can put a great ease on your mind. How you do this is up to you, whether it’s from a purely scientific point of view, religious or spiritual but a pragmatic approach to the eventuality of death can ease the burden of the unknown.

One of the first things you can do is arrange your own funeral process that you want to happen when you pass away. This might sound morbid, but making a plan of what you want to happen can ease the burden from yourself and more importantly your family. Not only can it ease the financial burden, which is very expensive, but the emotional as well. Your family will be in a state of grief and planning a funeral is the last thing they will want to do while stranded in the grieving process.

You could plan such things as whether you want to be buried or cremated and where, any services related to your religion and how you would like your life to be celebrated. It is becoming more common for people to forego a traditional funeral and opt for an intimate burial or cremation with their immediate family. Some providers can also arrange a payment plan well in advance of the inevitable and insurance companies offer this as part of their cover for older individuals.

Make Sure You Can Put Your Feet Up

Most of us love working, but we know that there will come a time when we can hopefully put our feet up and spend some time reflecting on a life well-lived when we retire. However, the prospect of retirement can be scary for some people because they might not know what they are going to do or whether they will have enough money.

Reportedly, 57% of retirement planning services found that running out of money was the top concern for their customers entering retirement. The great news is that there are lots of things you can do to alleviate retirement concerns with a little forward planning.

One of the best things you can do is to aim to retire without any debts. Even today, the average 60-year-old has around $19,000 of debt and that is a huge burden should you be facing retirement. Debt plans should be made at as early an age as possible and you should aim for a debt-free life before 50. 

Another way of easing your mind about the financial impact of retirement is to start a pension plan as soon as you can. Many organizations and companies offer pension plans as part of your employment agreement but you should consider a private pension as well. This will ensure that you get even more money when you retire which should be adequate to live on without having to continue work, post-retirement.

Savings also play an important part in retired life as they are the culmination of your life’s work. Try not to access your savings as the more that is saved, the more you will accrue in interest so you should switch to the highest interest savings account you can and take advantage of certificate deposits and other bank bonuses

Nobody Knows the Future

If the worldwide epidemic of 2020 and 2021 has taught us anything it is that we can never know what life is going to throw at us. The current disaster in Texas, USA is also a tragic example of the unpredictable nature of the weather which has cost over 40 lives and left millions without access to water and basic utilities.

No matter where you live, it is good sense to plan for anything that could potentially happen, especially if you live in a particularly vulnerable place. For example, should you live near the ocean, it might be a good idea to have a plan for flooding or if near a fault line, a plan for earthquakes.

But it isn’t just natural disasters that we should be mindful of. Financial disaster can also befall anybody such as with the 2008 crash or the current economic conditions brought on by Covid-19. The Asia-Pacific region, for example, has seen 81 million people lose their source of income because of the impact of the virus.

It is always a good idea to plan for your future if you are able to and save what you can when you can as a little extra can go a long way. Should you lose your job due to cuts or other reasons, it is likely you will be out of work for some time with the average time between jobs being 4 months. We are of course aware that mental ill health can mean you are out of work or have less money to be able to save so this is just a guide..

These life events can all be stressful and impact on your mental health, so make sure you reach for help should you need it from your doctor or a therapist.

This article was written by a freelance writer.

Life is Finite: How to Deal with this and our Mental Health.


(image: thefreshexchange.com)


Humans are probably the only species on the planet that know that life is finite. Practically every other creature that ever existed did so in a state of blissful ignorance. The end of life wasn’t some dark, horrible certainty that needed pushing to the back of the mind. It just didn’t exist psychologically. 

We have no such luxury. As thinking beings, we have to confront this issue, one way or another, and somehow try to make peace with it. It’s not easy. 

Over the years, you can see some of the strategies people used to try to do this. One method was believing in the afterlife and in the soul – somewhere that you’d go once your physical body finally gave up. For many people, this is a core tenet of faith. For others, it is not. The idea that we could somehow pass away into nothingness seems like a tragedy.

Aging is currently a big issue in our society. The number of people over the age of 65 is the highest that it has ever been. And it is going to continue to grow as the population changes. Fewer people are having babies, and more people are living into their seventies, eighties, and nineties. It’s a big difference compared to just a few decades ago. 

In this context, we are all having to learn how to deal with our finite lives. But what’s the best way to do it? 

Get Comfortable With It 

Nobody likes the idea that we’re here for a small amount of time. We have these unlimited imaginations. And yet, we’re confined to these Earthly bodies.

One piece of advice is to try to find ways to become comfortable with the fact that life doesn’t go on forever. It seems taboo to even talk about it, especially when there are people around us approaching the end of their lives. But it is critical that we address the issue internally. Unless we can somehow make peace with it, we’ll never find peace in ourselves. We will always have this gnawing feeling at the back of our minds that the whole show will come to an end. That’s no way to live. 

Talk To Somebody About It

Sometimes, chatting to somebody you trust can help you come to terms with the facts of life. If you don’t have anybody in your life who fits the bill, then there are plenty of helplines available including Samaritans or you could talk to your GP or a therapist/ psychologist if it is beginning to impact on your day to day living and mental wellbeing . 

In many cases, just getting the words out can help tremendously. Speaking your mind to a sympathetic person is a great way to come to terms with reality. 

Prepare For It

The finitude of life can also be scary for another reason – the fact that we aren’t always prepared for the end of it. We can spend weekends worrying about what will happen to our loved ones when we are gone. 

We can’t go on living forever. But we can make financial arrangements to ensure that people who depend on us are taken care of in the future.

Setting up a policy to provide a lump sum to your relatives and dependents is relatively straightforward. And getting free gifts with life insurance is always a bonus. 

Complete Your Goals

Having the discipline to complete your life goals is a real skill and one that relatively few people ever manage to master. Ideally, you don’t want to get to the end of your life only to look back on it and regret that you didn’t live it the way that you wanted. You need to feel like you completed your goals – or at least took control and moved towards them. 

Sometimes taking the plunge and just getting on with things that you’ve left on the back burner is the best way to cope with the fact that life is limited. When you pursue that which is truly important to you, a lot of the worries and concerns disappear. You know that you’re making the best possible use of your time – and you’re grateful for it. 

Appreciate What You Have

Yes, the facts of life can be tough to accept. But it is also worth appreciating the fact that you’re here in the first place – a very unlikely event when you consider all the people who could have been born throughout history. That’s some consolation when you think about it. There is always goodness and hope in life- make the most of it.

This article was written by a freelance writer.