New Year, New You

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A few weeks into the new year, chances are that you’ve been thinking about what you would like to achieve in 2023. Whether it is to start afresh, give something up or simply do more of what makes you happy, there’s no better time to make plans that inspire and empower you to live your best, healthiest life.
So, why not take some time to reflect on your current lifestyle and ask yourself: what changes could you make to improve your quality of life in retirement?
Leading retirement funding specialist, Household Capital has put together a list of 7 simple New Year’s resolutions that retirees across Australia can adopt to become the happiest version of themselves:

Move for at least 10 minutes every day

Exercising may seem daunting at first, particularly if you struggle with limited mobility or balance issues. However, moving your body for as little as 10 minutes a day can dramatically impact your physical and mental health. 
Plus, ‘exercise’ doesn’t have to mean going for a run or doing a high-impact workout at the gym.
It can be a morning stretch, a swim in the local pool, a yoga class, a walk around your neighbourhood… whatever you most enjoy!

Get a retirement wealth health check-up

Nothing causes stress like money worries – and with the cost of living steadily rising, it’s a concern for many.
Consider all of your retirement funding options: eligibility for the Age Pension, any super you have remaining and your home equity. 
Your home equity can be used to provide additional income, access to capital – or both!
There are a number of options available to you.
These range from the government’s low-cost Home Equity Access Scheme, a great option for people who need a little more income or capital to make ends meet.
For those with greater needs – or bigger plans! – there are other options available.
Household Capital enables you to access your home equity via its Household Loan, which has the flexibility to provide income and capital to meet your funding needs.
This gives you the choice to live the retirement lifestyle you deserve.

Make your home retirement-ready

Whether you’re already retired or planning for that next stage in your life, an excellent resolution for 2023 is to make your home retirement-ready.
What exactly does that mean?
Well, ‘retirement readiness’ can mean different things to different people.
For some, it may mean a complete home renovation to create open spaces, while for others, it may be the installation of non-slip surfaces for maximum accessibility and safety.
Household Capital’s retirement readiness checklist can help you audit your home, understand what modifications each room needs and evaluate your options.
Each modification you make comes with associated costs, but Household Capital can also help you fund this project.
Accessing the wealth built up in your home allows you to pay for the renovations you may need to age in place. 

Stimulate your brain

Mental exercise is just as important as physical exercise.
It helps to improve your memory and concentration levels and keep your thinking skills sharp.
Some activities, like board games and classes, can also encourage you to be more social, which in itself stimulates your cognitive system.
Whether you join a book club, start doing crossword puzzles or learn something you’ve always been curious about, stimulating your brain helps to keep its resilience and, ultimately, live an independent life for longer.

Make new friends (or stay connected to your current ones)

Just like mental exercise, a rich social life can significantly improve your quality of life. It helps combat loneliness, often referred to as a silent killer among seniors, and promotes feelings of self-worth and belonging.
Visiting your local bowling club once a week, organising a monthly brunch with your closest friends or attending a community event are great opportunities for socialising and connecting with like-minded people.
And remember that it is never too late to make new friends! 

Commit to seeing your healthcare provider regularly

There is no denying that as you age, your health needs change.
One of the best ways to stay on top of your health is by seeing your doctor regularly and following their advice in your day-to-day life.
We know how easy it can be to avoid going to the doctor, whether it is because doing so makes you feel nervous or you don’t have the means to pay for medical expenses.
However, 2023 is the year when that changes.
Book any consultations in advance and jot them down on your calendar.
When the nerves start to kick in, remember that your provider is only there to help you.
As for the medical expenses, there are different ways you can fund them, such as accessing your home equity.

Spend more time with your grandkids

Yes, even more time!
Research shows that people who spend more quality time with their grandchildren have better mental and physical health and may even live longer.
Choose an activity that both you and the little ones enjoy, perhaps going for a walk to the park when the energy levels are high or reading a book if the group is feeling a little bit too tired.
This will not only keep you moving and help combat mobility issues, but it will also keep your inner child alive – and what’s better than feeling like a kid again?

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