Retirement and Budgeting - Health and Wellbeing

Dentist -The 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 to pay optician's charges just like anyone else. The only help is on grounds of low income. (see

Other Medical Treatment - The NHS is still free for the big things, though you may have to wait a long time for non urgent treatment. However, some kinds of treatment, such as chiropody, physiotherapy, osteopathy, chiropractic, homeopathy or psychotherapy, normally have to be paid for. If you want this kind of treatment, ask your doctor if it is available on the NHS.

Chemists and Medicines If you are under pension age, prescriptions are very expensive. You may find that chemists will recommend a paid. For alternative to some items that is cheaper. Once you are pension age (sixty for a woman, sixty-five for a man), prescriptions are free (except for some things such as elastic stockings).

Remember that chemists make a lot of their profit from vitamin supplements and nonessential 'health' items. Just because a chemist sells something does not mean that it is necessarily good for you.

Cosmetics and Hairdresser If you are used to spending money on cosmetics or hairdressing, remember that looking and feeling good are even more important for your self-confidence as you get older. Many hairdressers offer free or cheap hairdressing to the over sixties.

Vet Bills If your pet needs a lot of veterinary care, consider taking out an addition to your house contents insurance policy. It may work out cheaper.

Retirement Budgeting - read on

Retirement and Budgeting - Clothes and larger purchases

Regular Purchases: Once you stop work, you are freed from the obligation to look the part at your job. Not only will that save you money, but it may also provide you with an opportunity to think about what style you want to adopt in retirement.
Clubs or Credit Cards: Rolling credit cards attached to a shop or chain of shops can be a very expensive form of credit. Normally you pay a fixed amount each month and are allowed to spend (that is borrow!) up to thirty times your monthly payment.
Clubs where someone calls to collect a regular sum off you each week are similar, but interest rates can be even higher. Try to use an ordinary credit card (Visa or Access) or a bank loan . . . ... see: Retirement and Budgeting - Clothes and larger purchases