Is your Retirement something to look forward to?

Retirement - after working most of our adult lives we now face the daunting prospect.

No more managers to tell us what to do. No more clocking in or out.

Our time is, at long last, our own. What are we going to do with it?

Even though we may have saved enough for our later years, there's always something that crops up to rock the boat.

Keeping busy is the most important.

If not for the money, for our own health and peace of mind.

Here are just a few tips, gathered from many sources, to help in your plans:

Live within your means.

Try to stick to a budget.

Only buy what you need, when you need it. IF you need it at all.

Buying just because it's on "special" is a waste of money.

Buying anything in bulk eats cash flow.

You may need that cash for something else very soon. An emergency.

Don't buy what you cannot afford to. Never use credit to buy instant gratification stuff.

In fact, never buy anything on credit. It will always bounce back to hurt you.

More so in your later years.

Travel: If you can afford it, make up for all those holidays you missed out on because of work.

Visit friends and family you haven't seen for a long time.

Especially kids and grandchildren.

Make the most of them while you can.

Or take a cruise. It'll do wonders for you.

Fix up the house.

You've got the time now.

Fix all those irritating things you've put off for years.

Or paid someone else to do.

You can save a great deal of money by doing it yourself, while improving the value of the house.

For the day you sell and move to the retirement village.