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Time for Retirement Planning

February 24, 2012 | Comments: 0 | Views: 170

We all can claim excuses for not planning for our ideal life in retirement. "I work too much" or "I spend too much time in the car commuting to the job" or "I spend too much time with the kids (or other members of the family) to sit down and do any retirement planning." Do you really know how you spend your time? If the answer is no, now is the time to spend a bit of time to find out.

First, get out your favorite spreadsheet program or even a pencil and a simple piece of paper. Keep in mind that one week, 7 days, contains 168 hours. That is an important figure to know and we will use it in a bit.

In doing this exercise with someone else, we identified these average figures:

Sleeping - 36 hours (6 hours per night times 6 nights)

Working - 55 hours (50 hours of work plus 5 hours of commuting to work every day)

Eating - 12 hours (1.5 hours per day to prepare and eat plus 1.5 to prepare for and do the shopping)

Spending time with family/friends/pets - 14 hours (2 hours per day)

Watching television - 7 hours (1 hour per day)

Getting ready for work - 6 hours (1 hour per day x 5 days, 30 minutes on the off days)

Exercise - 3 hours per week (1 hour per day times 3 days a week)

All of these activities equal 133 hours in a week. If you subtract 133 from 168, you are left with 35 hours. So, do you still think that you still don't have time to plan for your ideal life in retirement?

Get creative about carving out time to craft your ideal life in retirement. Perhaps early in the morning before everyone else gets up or late at night after everyone has turned in might be something to consider. Could you go to the library on the weekend for a bit of quiet time just to yourself? Take a bit of time to consider how you can find time just for you.

Another technique to get motivated about creating the plan for your ideal life in retirement is to use your favorite tool. If it is your iPad, use it. If it's your prized pen and beautiful paper, use those; anything to help motivate you to get started. I would venture to say that once you get started, it will be tough to stop. Consider this an investment in yourself that will reap many rewards today and tomorrow.

Judy Juricek is the President of Attract Your Ideal Retirement, Inc. and her passion is helping women in their 40's, 50's, and 60's to plan for, attract, and live their ideal lives in retirement. Judy believes that everyone can replicate the success that they had in their careers by crafting their ideal lives in retirement.

Judy maintains a blog - where she discusses different strategies for life in retirement including planning, transitioning, improving your health, budgeting and many other topics. Judy is also a contributing author to the newly published book "65 Things to Do When You Retire" along with Jimmy Carter, Gloria Steinem, and many others.

Source: EzineArticles
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