Just Retired today and pensions will pay just enough for hopefully a few extras but not many. N+1 came a couple of months ago so that puts me up to 6 bikes I ride + a few more I don't.

My concern is not medical as we have a "National Health Service" (That I have paid for all my working life). It is not monthly income as that will just suffice. BUT it is the unexpected such as the boiler going down or house breakages that need repair--That I will worry about. I have some money tied away in savings for that eventuality and I hope that not too many breakages or serious repairs will become necessary before the money depreciates much more.

We have cut overhead expenses by getting a small car instead of two- I intend to run the majority of my errands by bike- and we are looking at Cheaper Holidays and to this end have bought a VW Campavan. We will be cutting back but not drastically.

All we have to pay are the Utility bills each month and Food. Anything left over will be spent "Wisely" I'll spend my kids inheritance before they get their sticky hand on it.