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A successful future must be based on careful financial planning. It is vital to review your income and expenditure as your circumstances change.

Calculate the difference in outgoings when you leave work - less tax, possibly no National Insurance, no pension contributions, work expenses, travel costs etc. Are there other things you can cut out without feeling their loss?

What will be your net income when you leave your job (before any new investments) after all these items are considered. 
Adjust your spending to meet your new income level and make all the adjustments to routine spending that you feel are reasonable?

Allow a settling down period, then look to see if there is a shortfall, how much it is. If there is, will it remain at that level and for how long?

If you need income, how much do you need? Will your need for income change in the next 10 years. Why and by how much? (For instance, a State Pension becoming payable, your mortgage finishing, a partner finishing work and receiving a pension, insurances maturing).

Everyday expenditures will change, some increasing and some decreasing. Income, however, will nearly always be less. It is important, therefore, to exercise some control. The budget forms which follow help compare the main areas of income and expenditure before and after leaving to identify areas where adjustments can be made.


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The Retirement Counselling Services Ltd

Suite 3
8 High Street
Bucks HP22 6EA