Things to do when you retire

So many people spend over forty years looking forward to the moment of their retirement, yet when the moment comes they can be surprisingly unprepared for it.

Maybe you've been too busy at work and those final few months have been hectic.  Once all those retirement speeches have been made, you've said goodbye to your work colleagues and you find yourself starting the first day of the "whole of the rest of your life" - you'll want to consider just how you'll be spending your time, how the finances are going to work out and surprisingly, how you'll manage spending so much time with your spouse (if you have one).

Those who have planned for this moment often succeed in taking those long planned for cruises, others may be facing an unpleasant surprise as they find that their meagre pension is simply insufficient to fund their dreams.

• Arts & Crafts
• Outdoors
• Sports