'Your Time"

Brian Pybus, Saturday, October 27, 2012
Retirement is all about what I call ‘Your Time.’

For much of your life you’ve worked at what you love, raised a fine family and been a credit to your community.

Now you’re approaching the period when you’re going to have more time and fewer obligations. It’s time to refocus.

‘Your Time’ is all about pursuing the things you dreamt about one day being able to do. Maybe it is travelling, or writing that book you’ve always known was in you, or devoting more time to hobbies, or joining a cause, or acquiring more education. Imagine being able to do anything you want. Whatever your dream, retirement is the golden opportunity to make it happen.

Retirement gives you the time to follow your dreams. But how do you pay for them? Pensions and investment income will get you there, unless a chunk of that income is going towards servicing the personal debts you didn’t quite get around to paying off when you were still working. Carrying credit card debt, overdrafts, personal loans and lines of credit into your retirement will impact those golden years, no doubt about it.

For most, retirement will mean a reduced income. Servicing debt with fewer income dollars means there’s not enough money to chase the dream. Maybe you have to take a part-time job to make up the difference: in addition to less money you now have less time. And with not enough money and time, you realize that even in retirement you are not in control of your life.

If the above describes your situation I can help you. If you can’t imagine that you will ever be debt-free I can help you. If you have no idea how to fix the financial disarray you’re in I can help you. If you want to take control of your finances I can help you. Above all, if you want a better ‘Your Time’ I can help you.


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