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Retirement is something that may seem far away at times and some young people do not even think about it even once a year. Truthfully, retirement is one of the most certain events in our lives. It must come one day. Either by choice or law of nature. Furthermore, the fact is that we live a fast-paced lifestyle, and the years can go by in the blink of an eye.
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This is why it is essential to start thinking about preparing for retirement sooner than later. Poor financial planning can force you to keep working for longer. While you may feel like you can work forever, this is not always true. There comes a time when you may want to rest and enjoy retirement.
If you have not financially planned for retirement from an early stage, you may find it hard to make ends meet in your golden years.
Here are some simple ways you can start financially preparing for retirement today.
1. Save 20 Percent of Your Income
One of the most effective strategies is to save 20% of your income using the 50/30/20 budget rule. According to this plan, you should spend 50 per cent of your income on your needs, 30% on your wants, and 20% goes into savings.
This is a useful tool for saving money for retirement or even a down payment on a property. It is essential to look for ways you can save money every day. This includes controlling your spending habits and being financially smart.
2. Set a Savings Goal for Retirement
One easy way to determine your saving goal for retirement is the rule of 25. Simply just multiply what you spend annually by 25, and you should have an idea of how much money you will need to retire. For example, if your annual expenses are $40,000, multiplying that by 25 means you need a saving of $1 million to retire.
Another great way to help you estimate your goal is using a retirement savings calculator. It will help you identify how much you need to save each month to achieve your goals by the time you are eligible for retirement.
3. Identify Debt to Pay Off
One of the first steps for increasing your savings is to first identify and try to pay off any high-interest debt you may have. Lilyview 1 1 2 download free. This may include things like your credit card payments.
After identifying and taking care of high-interest debts, you can focus on other financial obligations such as your mortgage and student loans.
Once you are relatively debt-free, it will become much easier to start planning and saving for retirement.
4. Build an Emergency Fund
Emergency funds are a necessity for most people in today's world. Unexpected expenses can cripple your financial health and even set your retirement back substantially. This is why it is important to have at least 3 months' worth of your income set aside in an emergency fund.
Suppose you do end up with an unforeseen expense. In that case, you can dip into your emergency fund instead of your retirement savings. A high-yield savings account is the perfect platform for your emergency fund.
This is because these accounts earn a higher annual yield compared to other savings accounts. These accounts are also FDIC- insured and usually have no balance requirements or monthly fees. Tenorshare icarefone 5 1 0 download free.
5. Prepare for the Unexpected
Another thing you should consider even before retirement is the procurement of life insurance. Suppose you have a spouse or other people that depend on you. In that case, life insurance can be very beneficial.
In the unfortunate event that you pass away, the life insurance policy can ensure your loved ones are still financially taken care of. There are companies now offering life insurance even in the Gambia such as the ELAC. You can also learn more about life insurance on Manulife.
The Bottom Line
These are just some of the ways you can make it easier to financially prepare for retirement. The most important thing is to start early, as time will enable you to benefit from the compound interest which can help you achieve your savings goals. You can always reach out to a financial or insurance professional to help you get started today.
It's easier to get an interest-free UK loan than you might think. Here are the best no-interest loan options if you need to borrow cheaply.
There are a number of truly interest-free loans available on the UK market that will help you borrow money cheaply or simply keep existing debt in check.
We're going to highlight the various ways you can get a no-interest loan but be warned, not all of them are truly free as there could be some hidden fees involved.
Confused? We'll explain more as we run through each option, outlining all the potential pitfalls to look out for, so your interest-free loan doesn't drag you deeper into financial trouble.
By the way, if you've been comparing personal loans online, you won't have found these options.
That's because providers don't label them as 'loans' at all!
If you've been in debt for a long time now, or are going further into the red, we've put together a guide to getting out of debt and the help available.
As a final point, these options are really only suitable for small to moderate sums: if you need to borrow thousands of pounds then an interest-charging personal loan might be your best bet.
No-interest loan 1: interest-free overdrafts
Good for: reliable, truly cost-free credit whenever you need it.
A small number of current accounts currently offer a 0% interest overdraft facility, despite the new overdraft rules on borrowing costs.
How much can I borrow? That depends on the account you choose and your personal circumstances, but we're generally talking about small amounts.
One of the biggest on offer is from Nationwide, which gives an arranged overdraft of up to £1,200 on its FlexDirect account and charges no interest and no fees for the first 12 months (39.9% EAR thereafter).
If you don't want it time-limited, first direct has an ongoing £250 0% overdraft buffer. You can see a full breakdown of the best interest-free overdrafts here.
Remember that the size of the interest-free overdraft you're offered could also be affected by your credit rating.
How long is the cash interest-free? This depends on the account but borrowing via a 0% overdraft is definitely not a long-term borrowing solution.
Unless you are a student, most current accounts will only let you have an interest-free overdraft for a few months or even a year.
After this, you'll be charged interest on your remaining negative balance, so you need to make sure you've paid off your debt within the 0% period.
What to watch out for: While the Financial Conduct Authority (FCA) has replaced authorised and unauthorised costs with one standard rate, several banks have hiked overdraft rates to up to 40%.
You can learn more in our guide to the best current accounts for those who go overdrawn.
No-interest loan 2: 0% new purchase credit card
Good for: single large purchases
The other main way of getting a totally 'free' loan is to take out a credit card that charges 0% interest on new purchases.
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How much can I borrow? A credit card will normally indicate what its maximum credit limit is before you apply. The credit limit you are offered might be much lower, and (similar to an overdraft) will depend on your personal financial circumstances.
How long is the money interest-free? This depends on the credit card. Currently, providers are offering up to 22 months interest-free on new purchases, but the top rates can change on a regular basis. You can check out the top 0% purchase credit cards here.
What to watch out for: When your 0% deal ends, you'll usually be charged a very high level of interest on your remaining balance (typically APR of around 20%) – so it's crucial you clear your balance before this happens.
If you do still have a balance remaining when your 0% deal ends, you could try to take out a 0% balance transfer card (more on that in the next section) and shift the leftover debt across to it.
You also need to make absolutely sure you make the minimum repayments every month (and more if you can afford it).
If you're late or default on a payment, you may incur a fee, and your 0% deal is likely to be whipped away from you.
Finally, note that the longest 0% purchase cards tend to be reserved for those with the very best credit rating.
No-interest loan 3: 0% balance transfer credit card
Good for: consolidating and paying off credit card debt
If you're already paying interest on credit card debt, you could turn it into an interest-free loan by moving it onto a credit card offering 0% on balance transfers.
How much can I borrow? Similar to a 0% new purchase card, a 0% balance transfer credit card will normally indicate what its maximum credit limit is before you apply.
The credit limit on offer will depend largely on your credit rating, so don't automatically assume you'll get the maximum amount.
How long is the cash interest-free? Again, this depends on which card you choose, but with these cards, it's important you focus on the fee as well as the 0% window to decide what's best for you.
While Santander offers the longest balance transfer period of 31 months (at the time of writing), it charges a fee of 2.75%.
If you're willing to sacrifice four month's worth of interest-free period, Virgin Money's 27 Month Balance Transfer Card offers a lower fee of 1.2%.
For best buys, read our guide to the best 0% balance transfer credit cards and the best low-fee balance transfers.
What to watch out for: While you'll temporarily eliminate interest payments on your debt, most of these cards are not totally free.
The majority of balance transfer credit cards charge transfer fees of around 3% of your total debt to move your money onto them (although there are some truly fee-free balance transfer cards available).
If you're willing to opt for a lower 0% window, you could choose one of the few truly fee-free balance transfer deals out there.
HSBC's Balance Transfer Credit Card offers the longest fee-free balance transfer period at 20 months (but you have to transfer your debt within the first two months of card ownership to avoid a fee).
As a final point, remember if you don't manage to clear your debt during the 0% period, you'll be saddled with big interest charges.
Rates will typically revert to between 18% and 22% APR – but there are plenty of horror stories about people being charged up to 30% APR or even more!
And again, make absolutely sure you make (at the very least) the minimum payments every single month.
Otherwise, you could end up with a fine and a hefty rate of interest on that large balance!
We're working with Compare the Market* where you can find out what credit cards you are eligible for without harming your credit score. Click here to find out more or jump straight in and discover which credit cards you're likely to qualify for.
No-interest loan 4: 0% money transfer credit card
Good for: consolidating and paying off overdraft debt
If you have an expensive overdraft you want to pay off, you could clear it with a 0% money transfer credit card.
How much can I borrow? Again, this will depend on your financial situation.
How long is the cash interest-free? The top money transfer card at the time of writing is the MBNA Long 0% Money Transfer Credit Card with 0% interest on money transfers for up to 18 months. The card has a 2.99% money transfer fee.
What to watch out for: Like with balance transfers, money transfer cards come with an upfront fee for securing the 0% rate. This will vary depending on which card you choose, but they are generally higher than balance transfer fees and can be up to 4% of the total sum borrowed.
The only real difference between balance transfer and money transfer cards is that, with the latter, you're transferring money from a credit card to a bank account (so you have money to spend as you wish), instead of transferring debt from one credit card to another.
No-interest loan 5: PayPal Credit
Good for: immediate access to credit
If you need money today, PayPal Credit could be a good bet.
You spend over £99 in one go with PayPal Credit and automatically get 0% interest on that purchase for four months. You can use this offer again for every purchase over £99.
It's important to pay off your debt within that time as the usual interest rate can be expensive. Also, it's not available to those with a poor credit rating – we've included alternatives in our guide.
Borrowing with little interest: longer-term loans
As you can see, all of these are relatively short-term borrowing solutions.
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If you need a low-interest repayment plan that lasts longer, a low-rate credit card might be a better solution for you.
Alternatively, if you need to borrow a larger sum of money you may qualify for a low rate personal loan.
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And again, if you're borrowing more money to pay off existing debts, it may be time to seek help with your debts.
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*loveMONEY has teamed up with Compare the Market to provide credit card price comparison services. Compare the Market Limited acts as a credit broker, not a lender. To apply you must be a UK resident and aged 18 or over. Credit is subject to status and eligibility.
