Between looking after the kids, running your home and going out to work, you might find there’s hardly any space left in your schedule. It’s understandable if you may be putting off some important tasks like I do. But whether it’s planning your long-term finances or looking after your health, there are some issues you really can’t afford to ignore. Here are three important things you need to stop putting off. So join me in my year of doing not saying and sort them today!
3 Important Things You Need To Stop Putting Off.
Arrange essential health checks
Keeping tabs on your health is a must, so make sure you follow the guidance when it comes to medical checks. For example, if you’re between the ages 26 and 49, it’s recommended that you get a cervical smear test every three years. I have to admit I have been putting this off out of sheer laziness but I have booked mine now for this year! Above this age, tests are advised every five years. You should get your blood pressure checked regularly too. Doctors recommend getting tested every three years, or every year if you’re on the contraceptive pill.
If you’ve had unprotected sex with a new partner, it’s important to get tested for STIs. You can arrange to do this at a specialist clinic, and some tests may also be available at your GP surgery. It’s also possible to buy home test kits for infections including chlamydia, gonorrhoea and HIV. You can visit pharmacies either in person or online to see what’s available. If you find you do have an infection, it’s essential that you get treated. Bear in mind that treatments for some infections are available online. For example, you can access chlamydia treatments from Lloyds Pharmacy Online Doctor. It’s important to be aware that you won’t necessarily experience any symptoms if you’ve got an STI. So it goes without saying that even if you feel fine, it’s always best to play it safe and get checked out.
Make a will.
It might seem a bit morbid so bear with me. If you’ve not already drawn one up, now’s the time to make a will. No one likes to think of a time when they’re no longer around do they? You need to make sure your children are looked after and your money and property ends up in the right hands. To do this you’ll need to get this paperwork in place. If your will is straightforward, you might choose to draw it up yourself. However, if it’s going to be complicated or you’re not sure how the process works, it’s best to use a solicitor. This will stop you making mistakes that could cause confusion further down the line.
I know it may not exactly be your idea of fun, but creating a will can be a weight off your shoulders. And once it’s written, you can forget about it. This is something I have been thinking about doing recently, as a single parent, it makes sense to know exactly what will happen to Olivia should anything happen to me.
Start saving for your retirement.
Saving for the future can be tough. You don’t want to be leaving it too long before you start planning for retirement. I’m closer than I think! If you don’t you could land yourself in deep trouble. Although there’s a State Pension, the full rate of this is just over £155 a week. But you will need at least 10 qualifying years on your national insurance record in order to get it. So, if you’ll need more than this to lead the sort of lifestyle you want after you stop working, it’s essential that you make your own arrangements on top of this.
If you’re not already paying into a workplace or private pension, now’s the time to start. I did have one with a previous employer. I paid weekly out of my wages, however since changing jobs, I am now without a workplace pension. You can use online calculators that help you work out what your retirement income will be. And they will help you to find out how much you need to start saving to reach a level you’re happy with.
From arranging health tests to planning your future finances, getting around to these tasks may seem like a chore. But the thing is you (and me) won’t be doing yourself any favours if you put them off.