Retirement and Budgeting - Transport and getting around

Free bus passes are still available for all old age pensioners, but not if David Cameron has his way.

Car Tax The burden of the cost of your car will depend on whether you have been lucky enough in the past to have had it paid by your employer. If retirement is your first experience of paying for your motoring costs yourself, you are in for a shock. Car tax is £100 a year.

Car Insurance Shop around for insurance. You should consult an insurance broker. If you are in a motoring organization, they will probably act as a broker for you. Your age can help between fifty-five and seventy-five. After that, it can be a hindrance.

Car Maintenance You could turn an expense into a hobby. Consult your local council about adult education classes in car maintenance. More women are now taking it up.

Annual MOT Any car three years old or more needs an annual certificate of roadworthiness.

Motoring Organization Membership The security of a breakdown service is very important as you get older, especially if you intend to travel more. There are now alternatives to the AA and the RAC, but they do not offer the same range of financial and other services which you may find useful.

Petrol and Oil More than ever, it is worth shopping around. The well-known names are generally the dearest and petrol is just petrol. Petrol at motorway service stations is usually very expensive.

Bus Pass Most local councils offer some concessionary fares to people over sixty (men may have to wait until sixty-five). Many coach operators offer discounts.

Railcard Once you've retired you will probably want to travel more to see relatives and friends. A £19 railcard from British Rail, which lasts for a year, can save its cost on a single longer journey.

Bicycle Maintenance If you have more time now you're retired, pedalling there can save money and keep you fit. Keeping the bicycle well looked after will pay dividends.

Regular Fares Journeys to and from your nearest shopping centre may become more frequent.

Retirement Budgeting - read on

Retirement and Budgeting - Health and Wellbeing

Dentist #NAME? over-sixties have to pay dental charges just like anyone else. And from some time in 2012 even dental checkups are going to cost money. The only help is on grounds of low income. But the expense should be a priority. Apart from all the other obvious benefits, keeping your own teeth helps keep you feeling young. If you can find an NHS dentist then great!
Optician and Glasses - During 2006, the Government is planning to end free sight tests, though some opticians may still offer them.
Regular sight tests are important as you get older. Not only is bad sight uncomfortable and dangerous; a sight test can reveal the onset of more serious eye problems in time to have them cured. People over sixty have . . . ... see: Retirement and Budgeting - Health and Wellbeing