top of page
  • Writer's pictureDan Haylett

Do You Know How You Are Going to Spend Your Time in Retirement?

value your time

In today’s blog I will look at why it is important to have a time plan that sits alongside your financial plan and then give you 9 practical tips on how to plan your time in retirement as well as some worksheets to help you start to create your ‘Retirement Time Plan’.


Retirement marks a significant transition from full time work to what many hope will be a period of relaxation, freedom, and the pursuit of long-neglected passions. However, this transition can often be more challenging than anticipated. Without the structure provided by a work schedule, you may find yourself at a loss for how to fill your days, leading to feelings of aimlessness or, worse, isolation. This is why having a plan for how you will spend your time in retirement is not just beneficial; it's essential.


The Importance of Having a Time Plan


Prevents Boredom and Enhances Well-being


A common misconception about retirement is that it's one long holiday. In reality, the novelty of having nothing to do wears off quickly. Humans are creatures of purpose, and having goals and activities to look forward to each day can significantly enhance one’s sense of well-being and happiness.


Encourages Personal Growth


Retirement is an opportunity to rediscover old passions or develop new interests. Having a time plan allows you to allocate resources towards personal development, whether that’s learning a new language, instrument, or diving into hobbies like gardening, painting, or writing.


Promotes Physical and Mental Health


Staying active, both mentally and physically, is crucial in older age. A structured plan can help ensure that you regularly engage in physical exercise and cognitive activities, reducing the risk of health issues like heart disease and dementia.


Fosters Social Connections


Planning your time can also include scheduling regular social activities, which is vital for maintaining mental health. Loneliness can be a significant issue in retirement, but by joining clubs, volunteering, or participating in community activities, retirees can build and maintain a supportive social network.


9 Practical Tips on How to Plan Your Time in Retirement


1. Reflect on Your Interests


Start by listing activities you enjoy or have always wanted to try. Don’t limit yourself; retirement is your chance to explore freely.


2. Set Short-term and Long-term Goals


Having goals gives you something to work towards. These can range from completing a physical challenge, such as hiking a famous trail, to longer-term goals like writing a book.


3. Create a Loose Daily Schedule


While you don’t need to plan every minute, having a basic structure to your day can provide a comforting routine. This might include dedicated time for exercise, hobbies, socialising, and relaxation.


4. Stay Flexible


Your time plan is not set in stone. The beauty of retirement is having the flexibility to adjust your plans as you discover new interests or if unexpected events occur.


5. Prioritise Learning and Personal Development


Consider enrolling in courses or workshops. Many universities and online platforms offer classes tailored to retirees, ranging from academic subjects to practical skills and arts.


6. Volunteer


Volunteering is a fulfilling way to spend time, offering both a sense of purpose and the opportunity to meet people. Look for causes you’re passionate about in your community.


7. Stay Physically Active


Incorporate regular physical activity into your schedule, whether it’s joining a gym, taking up a sport, or simply going for daily walks. Physical health is closely linked to mental well-being.


8. Plan for Solo and Group Activities


Balance your time between solitary pursuits and social activities. Both are important for a fulfilling retirement.


9. Revisit and Revise Your Plan Regularly


As you progress through retirement, your interests and abilities may change. Regularly revisiting your plan allows you to adjust and adapt, ensuring that your retirement remains fulfilling.




Retirement offers a unique opportunity to redefine your life on your terms. However, to make the most of this period, it’s crucial to approach it with a plan. By considering your interests, setting goals, and maintaining a balance between structure and flexibility, you can ensure that your retirement is not just time spent, but time well spent.

Free Spend Your Time Worksheet Download

Spend Your Time Worksheet
Download PDF • 62KB

160 views0 comments


Rated 0 out of 5 stars.
No ratings yet

Add a rating

Subscribe to The Humans vs Retirement Blog

Receive my best posts on retirement, delivered to your inbox, free with no strings attached!

Thanks for submitting!

Recent Posts

bottom of page