You can go be­yond the pen­sion ar­range­ment al­ready in place in your of­fice. Con­sider making ad­di­tional con­tri­bu­tions into your re­tire­ment sav­ings ac­count or put your sav­ings in in­vest­ments you can rely on at re­tire­ment

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5. Travel dur­ing off-peak times:

Since you don’t have to cram your­self onto Friday through Sun­day flights to get back to the of­fice any­more, take ad­van­tage of lower pric­ing dur­ing lower-travel times. That means flights that leave Mon­day through Wed­nes­day, es­pe­cially dur­ing the late morn­ing or af­ter­noon.

6. Get the dis­counts you’re en­ti­tled to:

Al­ways men­tion that you are a re­tiree when you book and you may be able to get sub­stan­tial dis­counts on ho­tels, flights, or rental cars. Some air­lines of­fer dis­counted “se­nior fares” to any­one 65 or over who books on­line and some ho­tels also of­fer up to 50 per cent off for guests who are 60 and up.

7. Think about get­ting travel and health in­sur­ance:

One downer about re­tire­ment travel is that health is­sues are more likely to de­lay a trip than in younger years. For a pricier va­ca­tion, it may be worth pur­chas­ing travel in­sur­ance so you are not out the full amount of the trip if a med­i­cal is­sue comes up. Also, check in ad­vance what your health in­sur­ance cov­ers while you are abroad.

Most peo­ple un­der­es­ti­mate the to­tal cost of their travel, so when you are set­ting money aside, al­lot an ex­tra 20 per cent for un­fore­seen costs. If you don’t end up spend­ing it, you can al­ways treat your­self to an ex­tra-lux­u­ri­ous meal your last night or roll it over into your next trip.

8. Bud­get with a cush­ion:

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