Six Futures We Really Need To Plan More For

We spend a lot of our time wondering about the future. Many of us worry about the future, but not specifically.

We go through life with a set of small anxieties in the back of our mind that never really go away. Not unless we take action to take care of it.

For ourselves, our family and children, we need to think more about our future.

Here are six things we should be taking action over.

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Our finances 

We might try to be frugal and save money where we can. Especially if we want to put towards our savings. But our spending always has a way of creeping up on us. Particularly when the children are involved.

If you’ve been burned by overspending one time too many, it might be time to do it properly.

Prepare a budget and stick to it. Make sure you pay your most important bills first – mortgage or rent, utilities, insurances etc but allow the odd treat otherwise you will never stick to it.

Our parents 

When you grow more as an adult, if your parents are still with you they become a sense of worry. Or at least some apprehension about the future.

It’s a possibility that we should accept that in future they may need care. Care we might not be able to provide. Be prepared to talk to your aging parents about their retirement living and care.

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Our health 

A lot of us have followed the advice we’ve received about life to the fullest and seizing the moment in our youth. Whilst we wouldn’t take that back for anything, now’s the time we should focus more on our health.

As shows, certain health risks can affect our life insurance. Our health no longer influences just us but how we can take care of others in our lives as well.

Our legacy

Speaking of the others in our lives, we spend a lot of time worrying about what we leave behind us for them. Not just in terms of the lessons we impart, but our legacy in value, too.

If we have valuable assets, we want to make sure they pass to the people we care about. The Money Advice Service can help you ensure everything’s prepared for them.

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Our children’s competence

Raising children is by no means easy. It takes hard work and a very keen eye to just feed, clothe and protect them. But we should also be preparing our children for life.

Competence and self-confidence are part of a self-feeding loop. Yet many parents only focus on one part of the equation. Make sure you take the time to guide your child with helpful skills.

Our guiding hand 

Making sure our child is able and confident isn’t the only thing we do for them, of course.

In a lot of ways, we act as their guiding hand.

One of the parts of our legacy we would like to leave behind is children who will do good in the world. But we don’t have to wait until they’re grown up.

Get them involved in helping people through things like volunteering early. That way we won’t have to worry quite so much about the future.

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