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.

Looking to the Future and Life Dreams: by Eleanor

 

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(image: 123RF.com)

Hi friends,

It has been a while since I have written a personal blog as there has been so much going on here that I was just focusing on getting through it all. Robs dad had surgery to remove a second brain tumour and is thankfully recovering well, the surgeon amazingly got all the cancer. Success.

Alongside this, I have been in therapy since November with a wonderful therapist and we are doing EMDR (Eye Movement Desensitisation and Reprocessing therapy). This therapy helps to process trauma that can get ‘stuck’ in the brain if not processed. That trauma can stem from childhood upwards- I was an anxious child from an early age even though I had a good childhood! I have also been through a lot due to my bipolar episodes and hospitalisations. So, I am working with my therapist to process memories and we are doing it slowly.

My therapist will either ‘tap’ on the side of my legs while I recall the memory to help process it or my eyes will follow a light or her finger as we process. Understandably, there has to be a lot of trust in this type of relationship as well as me being protected and not triggered by the therapy. For this, we have developed a ‘safe place’ memory that I go to when we bring up anything too distressing. We have just started to go deeper with this and I will update you with our progress. I am far less anxious than I was and it has been really helpful to build a positive, working relationship with my therapist.

The reason I started therapy was because I was having intense panic attacks and finding it difficult to manage my life due to it. I hope that by working on these triggers that I can react differently and live a healthier and better life. Stay tuned!

A month or so ago, I also went to see my psychiatrist for the first time in 2 years, mainly as I had worries about my weight and physical health. My medications means I have put on a substantial amount of weight and this is worrying me health wise more than anything. I have been advised to diet and exercise and maybe work with a nutritionist. So, this will also be a new journey and I will try my best with this, not easy as the meds may stop me losing weight due to slowing metabolism or encouraging cravings. We considered reducing my Quetaipine, a mood stabiliser and anti psychotic to help but because I have been more mentally stable, I have decided to keep it at the same dose for now.

Rob and I have also started to look at new homes, which has been good. There is a lot happening right now and important that I rest, look after myself and keep calm.

Life with bipolar disorder can be uncertain. I have some fears about the future, which I will talk about in another more detailed post. My medicines thankfully keep me mentally well, but coming off them for future life changes eg pregnancy could be a big risk for me and one I am not sure I should take due to being bipolar 1 (risk of mania and psychosis). This is not currently imminent, but is still a future fear, especially as I love children. A decision for a later date.

Overall though I am hopeful and excited about life and will keep you all updated with my therapy and health journey and news.

Thanks for reading and following Be Ur Own Light as we come up to our 4th anniversary,

With love,

Eleanor x

 

 

Looking to the future: Life and Positivity by Eleanor

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(image: Pinterest)

‘The only thing constant in the world is change‘- India Arie

In the past few weeks, it hasn’t been the easiest of times. My anxiety has come back on some days, leaving me feeling pretty low and unable to do certain tasks. However, as each day passes it is slowly improving and I am looking towards the future, both in my life and career.

I am making the transition again to being self employed. For me, this is difficult to blog about- but as we look towards the Jewish New Year, I am holding on to hope.

Hope that all will improve.

Hope that good things are on their way.

Hope that the light is coming back again.

My book will be published in just over a month’s time and I am so excited to hold the paperback in my hands! Thank you everyone who pre ordered the book and made it into a best seller.

I am grateful for every blessing that has come my way. I also have more writing projects planned, stay tuned for further details :). I know it all will lead to good in the end.

I’m currently looking into therapy and further support- EMDR therapy if possible, which helps to process trauma through rapid eye movements and images.

Everything will work out for the good, just some days it is hard to see. A note to self: keep positive and keep going. Good, happiness and dreams are on it’s way even if temporarily hidden.