It’s not nice to think about, but aging without family nearby, or without family at all, comes with its own set of challenges. Therefore, for solo agers, planning ahead becomes even more important to ensure independence, comfort, and security in the later stages of life.
If that sounds like something you might have to be concerned with, don’t panic–make use of the following list of realities that solo agers without family should plan for, and you’ll be all the more prepared.
Choosing a Trusted Power of Attorney
First up, remember that without close family, deciding who will make decisions for you in case you can’t is a big deal. A power of attorney handles financial or healthcare choices, so it’s important to pick someone reliable. Contrary to popular belief, this doesn’t have to be family; it could be a close friend, a lawyer, or even a professional fiduciary, but they should definitely be trustworthy.
Either way, having this in place ensures someone you trust is looking out for your best interests when you can’t.
Planning for Long-Term Care
It’s very important for solo agers to think about where they’ll live if they need extra help down the road. They won’t have a family to organize a senior living community, an assisted living facility, or in-home care, so planning ahead is crucial.
Building a Strong Social Network
Another reality that solo agers without family have to plan for is to have a solid group of friends or community connections. Yes, this can make a huge difference for solo agers, because friends can act as a support system, help in emergencies, or just keep loneliness at bay.
Sure, building these relationships takes time, but that’s exactly why it’s worth investing in them now. Joining clubs, volunteering, or attending community events are all highly recommendable ways to expand your network.
Preparing a Detailed Will
When you don’t have a family to help out, it’s all the more important to have a clear and detailed will, ensuring that your assets go where you want them to upon your eventual death. This document outlines how your belongings, property, or money will be distributed after you’re gone, and you wouldn’t want that to be overlooked, would you!?
Budgeting for Unexpected Costs
Infamously, aging often brings surprise expenses, such as healthcare, home repairs, or other unexpected needs. Because of this, having an emergency fund or a well-thought-out budget can help solo agers handle these costs without too much stress. Financial planners can be a great resource for creating a strategy that works for your unique situation, so don’t overlook this option.
Maintaining a Healthy Lifestyle
Unfortunately, solo agers may not have someone around to nudge them toward healthy habits, so taking personal responsibility for your health is key. You’re most likely already aware of what this takes: regular exercise, a balanced diet, and routine check-ups.
Staying Connected Digitally
Don’t be tempted to ditch technology as you age, as it can be a solo ager’s best friend for staying connected and informed. Even if this consists of learning how to video call, joining online communities, or using apps for medical or financial management, such digital skills can keep you independent.
Overall, staying tech-savvy ensures you can access resources, stay in touch with friends, and manage tasks more easily. The world is only becoming more tech-dependent, so try to keep on top of this.
Planning for Home Modifications
If you plan to age in your current home, you might need to consider whether your home needs adjustments to make it safer and more accessible. For instance, this might include adding grab bars, widening doorways, or installing a stairlift. Don’t put this off, because preparing your home for future needs ensures you can stay comfortable and independent longer, without scrambling to make changes in a hurry.
Joining a Retirement Community
A lot of solo agers find that retirement communities offer the perfect mix of independence and social opportunities. These communities often provide amenities, activities, and healthcare options, making them a really appealing choice. We’d recommend researching and visiting different options in advance, helping you to find one that feels like home when the time is right.
Managing Legal Paperwork
Not only do solo agers need to stay on top of their wills, but they need to keep up with other legal documents. Keeping these updated and in one accessible place makes it easier for whoever steps in to help, which will be very important without family around.
Considering a Professional Care Manager
If you’re getting older and don’t have family around, don’t feel bad for hiring a professional care manager. They can take some of the pressure off when you eventually have to deal with complex healthcare or living arrangements. Furthermore, these experts can advocate for you, coordinate services, and ensure you’re getting the care you need, which will make your life a whole lot easier.
Building a Routine
Any solo ager who doesn’t already have a consistent routine should definitely think about developing one. Routines are scientifically proven to provide structure and purpose–especially when you’re aging solo. A routine helps with everything, including staying active and managing mental health.
So, it doesn’t matter if it entails joining a morning walking group, dedicating time to hobbies, or simply taking some time out of your day to relax, because either way, your new routine will help to keep your life feeling balanced and fulfilling.
Exploring Local Resources
Many communities offer programs and services for seniors, such as transportation and meal delivery. Don’t underestimate these; solo agers can benefit greatly from these resources, even if they often require a little research to discover.
Keeping Important Contacts Handy
Maintaining a list of key contacts, like doctors, lawyers, and trusted friends, can make life easier in emergencies as a solo ager. Sharing this list with someone you trust ensures that help is always a phone call away. It’s a simple but effective way to stay prepared for the unexpected.
Reviewing Financial Plans Regularly
As with anyone else, solo agers should remember to revisit their financial plans regularly to make sure everything is on track. Yes, it will include budgeting, investments, and insurance policies, which can be tiresome to deal with, but as your life circumstances change, staying on top of your finances will help you adapt without stress.
Preparing for Loneliness
We’re finishing this list off by mentioning the importance of preparing for loneliness. Don’t feel depressed at the thought of that; even with a strong social network, it’s only natural that solo agers might face moments of loneliness.
However, having hobbies, staying active in the community, or adopting a pet can all help to fill the gaps. Make sure that you plan ways to stay engaged and connect in your old age, and it will make a massive difference.