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Retirement can be a wonderful time to explore new interests and stay mentally and physically active. However, with the cost of living continuing to rise, many may be forced to cut back on leisure activities.
A new report from Scottish Widows highlights this growing concern, revealing that nearly two in five people (39%) are at risk of being unable to meet even basic needs in retirement – up from 35% in 2023. The findings are based on research conducted in partnership with Frontier Economics, using data from a YouGov survey of over 5,100 UK adults in January and February.
The report also highlighted that low to middle-income earners and those under 40 are particularly vulnerable to financial shortfalls in later life.
In light of this report, Caroline Abrahams, charity director at Age UK, said: “Whatever you may think about ageing and retirement, it’s something we can embrace rather than fear.
“The cost of living and rising cost of energy and food bills mean we all have less finances available for doing the things we really enjoy, but there are things we can do that are relatively low cost to keep us socially engaged and maintain our mental and physical health.”
In a time when pension savings often struggle to keep up with inflation, Abrahams and Age UK have come up with seven affordable ways to enhance your retirement lifestyle – supporting both your mental wellbeing and physical health without breaking the bank.
1. Join a local walking group
“Walking groups and walking sports like football and tennis are excellent ways to stay active,” says Abrahams. “Activities that get you outside are best for mental health as nature can help decrease your anxiety levels and can help lessen stress.
“Physical activities can improve cardiovascular health, balance, and flexibility. Additionally, these activities provide social interaction, which can reduce feelings of isolation. Many local Age UKs offer groups like these.”
2. Try some new arts and crafts
“Engaging in creative pursuits such as book clubs, painting, drawing, crafts, knitting, or photography stimulates the brain and enhances fine motor skills,” says Abrahams. “These activities also offer a sense of accomplishment and opportunities for socialising.”
3. Attend coffee mornings
Bond with like-minded individuals over a cup of coffee.
“Regular social gatherings like coffee mornings or friendship clubs provide a platform to build new relationships,” says Abrahams. “Social engagement is crucial for mental wellbeing and can help prevent depression and cognitive decline.”
4. Sign up for strength and movement classes
Find your inner yogi at a local yoga class.
“Gentle strengthening exercises like Tai Chi, yoga, and seated exercises improve flexibility, balance, and strength,” explains Abrahams. “They are highly beneficial for older adults as they help maintain muscle mass, improve bone density, and enhance overall physical function, preventing falls.
“They also promote relaxation and mental clarity.”
5. Join a community garden
Joining a community garden is a great way to get outdoors and meet new people – plus it also provides a good workout!
“Volunteering at a community garden gives access to fresh, healthy food, improved mental and physical health, increased social interaction, and environmental benefits. As well as the physical and mental health benefits, it can enhance social engagement and give a sense of purpose,” says Abrahams.
“Gardening tasks like digging, planting, and weeding are gentle forms of exercise that can improve strength, flexibility, and balance.”
6. Engage in daily brain games and puzzles
“Activities like crosswords, Sudoku, or memory games keep the mind sharp,” says Abrahams. “They also offer a fun and rewarding way to challenge oneself.”
7. Visit your local museums and galleries
“Find out whether there are any free local museums and galleries to visit and go and explore local history,” recommends Abrahams. “For more information or to find activities in your area, you can contact your local Age UK directly.
“They offer a range of services and can guide you to local opportunities.”
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