Many people are happy to sail through life. They take minimal risks. They earn their money and just live life each day. There are others who are complete opposites to this. Perhaps take more risks than they should. Don’t calculate the things that go wrong or never prepare for the worst-case scenario. Or perhaps even prepare in advance to make life that little bit easier.
Sometimes we have to accept that we need to become our future friend. We need to think about the future financially and for the time in our lives when we retire. We need to think ahead to tomorrow, next week and next month. Sometimes small changes in the habits and routines that you already have established, can make a big difference in how you live your life in the present. If anything, you can ensure that you can have a happier lifestyle that can be much more positive. So how do you do that and what should you be thinking about? With that in mind, here are some of the ways that you can be your future friend.
It can all start with simple considerations, so if you are trying to think ahead and be your future friend then start off with tomorrow. Here are some of the ways you can do that to help your tomorrow to be a better and more organised day.
Preparing in advance for the day ahead
One of the first things that you can think about doing would be to think ahead for what you have on the following day and preparing in advance. For example, if you have children, does tomorrow mean school? This could then mean preparing today the uniforms, any schoolwork that needs completing or checking, school bags or any other equipment they may need for the day. If you have work is there anything you can do right now that will ease the stress and rush of a morning? Preparing your outfit ahead of time, ironing it and making sure it is presentable and clean? Perhaps it might mean washing your hair and styling tonight instead of rushing tomorrow morning. Preparing for the day ahead could mean pulling out frozen food for the following night’s tea, or even preparing lunches for the family. Small changes can make the following day fear less stressful and more pleasant.
Leaving the kitchen tidy at night for the morning
The biggest bug bear many people can have when it comes to their mornings and days is to walk into a mess from a good night’s sleep. You know the scenario. You get up, you walk into your kitchen to make a nice cup of coffee and you are presented with last night’s pots and pans and plates that have not yet been cleaned or loaded into the dishwasher. It just means there is an extra chore to do that day, which could have easily been done the night before. A small change to your routine at night that involves cleaning down the kitchen could help you to start the following day in a more positive way.
Once you have mastered thinking about the following day you can start to plan and prepare for a week at a time. You may have incorporated different routines into your evenings for the day ahead, so now thinking about using a Sunday, for example, as a day to think about your week could help. Here are some of the ways you can prepare your week.
Meal planning and saving on the food bill
A great way to help with your week is to plan your meals for the week at a time. This will help you to get rid of the pressure of needing to cook something, as you will have already planned and prepared ahead of time. The food bill can also be reduced by doing this, as you can start to only buy the food that you need for the week ahead. Getting into this habit can also help you to eat more healthily and avoid the temptation of convenience food or take out options.
Being aware of appointments and logistics
Taking the time to think about your week and look in your diary for appointments and plan logistics can help your week sail through more easily. Knowing where you need to be, where children need to be and also where you need to be can help you out massively. It may sound like such a small thing, but knowing there is a plan in place can take all kinds of pressure away and enable you to focus on the job in hand.
Having a cleaning schedule
A great way to stay on top of the house is to have a cleaning schedule in place to help you keep track of jobs that need to be done and when. A cleaning schedule is a great way to delegate jobs to other members of the family, and to spread some of the bigger jobs across the week. This way the house can stay tidy and clean over the course of the week rather than feeling like there is too much to do.
Planning your week is one thing, but thinking about the month and further ahead can also help. Here are some of the things to try.
Making savings on those monthly outgoings
Your monthly outgoings are one thing that you have no real control over, they need to be paid. But you can control how much you pay to these people on a month by month basis. Changing providers for things like energy and insurance products and checking that you have the best possible rates can help you to ensure that you only pay for what is needed. This is when looking at The Best Insurance Coverage and checking rates can pay off. This can help you to save extra funds for your future as the extra in disposable income can come in handy.
Thinking ahead for birthdays and christmas
Another great way to help you think of the future is to plan ahead for birthdays and Christmas. This might be a christmas list in terms of gifts, or even bookings supermarket slots and ordering food in advance could help you to be more organised.
Finally, the future. You can start to make plans and put things in place when you start to make decisions for your future. Here are some of the best ways to help secure your future self.
How will you finance your retirement?
We can all get too distracted with how much we earn today. How much money we have left until the next pay day. The problem with that is when the income stops, as it will when you retire, what then? This is why safeguarding your future finances is a great way to make sure that period of your life is just as enjoyable. Considering things like pensions would be a great place to start. Many employees by law have to offer a workplace pension these days. This is something that you pay into out of your monthly salary each month. It tends to be an amount you won’t miss. Alternatively, you could choose to safeguard your finances by investing in property. This is where buying a home, and subsequent properties can prove quite lucrative. Providing you with equity that you can utilise in your later years, or even earning an income through rental payments. Or you could choose to save some money each month. Which over the course of years could add up.
What will you do when you leave employment?
Another thing to consider would be what you do with your time when you choose to retire. This could be quite a nice thing to think about. Deciding on where you may travel to or how you will spend your time. This is where creating a bucket list could come in handy. A list of all the destinations and experiences you want to do and see in your lifetime. Retirement is the perfect time to tick off those travel destinations. However, you may also want to consider taking up new hobbies and being active in your local community. All of which could be beneficial. One of the big things about retirement is ensuring you keep your mind active.
How will you safeguard your dependents when you are gone?
The one thing people don’t think about is the time where you are no longer around to provide. This isn’t even something you can guarantee will happen in your later years. Afterall, none of us knows what tomorrow will bring. This is why putting things in place to cover this would be beneficial. Especially if your income is what pays for bills, mortgage payments and living. The last thing you want to do is put pressure on your dependants in what will ultimately be a stressful and emotional time. This is why life insurance policies and other such things could prove to be a worthy consideration.
Have you thought about funeral expenses?
On the subject of not being here, one of the biggest expenses a family will have are funeral costs. Sometimes there is no need for life insurance policies. Especially if your employer covers you for death in service. But funeral costs will always be there, so it’s worth making plans for those.
Let’s hope these tips help you to be your future friend in all aspects of life.