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Looking after your heart and your pension

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With the State Pension Age increasing from 66 to 67 between 2026 and 2028, there is more need than ever to consider how we care for our hearts as well as our pensions.

According to Heart UK (A UK based charity, giving expert support and education in high cholesterol and heart decease) Coronary Heart Disease (CHD) is the single most common cause of death before age 65, accounting for 16% of male and 10% of female deaths. Statistics suggest that, on average, someone in the UK will have a heart attack every seven minutes.

Advances in modern medicine and greater access to information around health, has seen a steady rise in our life expectancy, but this places a greater responsibility on us to make sure we are looking after ourselves.  So, how can we look after our hearts to keep them ticking long into retirement?

Eat healthy

Eating a varied diet of healthy foods can help you maintain your weight, blood pressure and cholesterol as stated by the British Heart Foundation, and will contribute to your overall heart health. Reducing salt, eating unsaturated fats (such as avocados, nuts and olive oil) and limiting your alcohol intake, are also some of the ways you can adopt a more heart health conscious lifestyle.

Get active

Regular, moderate physical activity is another key way to help keep your heart happy.  Maintaining your weight and leading a more active lifestyle can improve not only your physical wellbeing, but your mental wellbeing too. Try going for a short walk at lunch to break up your day. Statistics (from the NHS) show that regular gentle exercise can reduce your risk of major illnesses, such as heart disease, stroke, type 2 diabetes and cancer by up to 50% and lower your risk of early death by up to 30%.

Stop Smoking

If you’re a smoker, the single best thing you can do for your heart health is to quit. Not only will this impact your overall health, but it could also have a positive impact on your bank balance too! You could invest any money you save on cigarettes into your pension and may even have a few more years to enjoy that longed-for retirement . . .

Manage stress

Easier said than done. When work pressures are mounting and family life seems overwhelming, stress can build up unconsciously and cause your blood pressure to soar. There is plenty of help to be found, from professional medical advice to wellbeing apps, but managing stress can sometimes be as simple as taking a break in the middle of your day to relax or talking your problems through with a friend. Good nutrition and exercise can also impact your stress levels, so getting a good balance between the two can decrease stress and contribute to a healthy, happy heart.

These are just some of the ways you can be more mindful of your heart health before you retire. It’s never too late, and it’s certainly never too early, to start taking your health and your pension seriously.

Mindfulness, peace amongst the noise of mental health

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Mental health issues can affect us all in some way or another – whether personally or because someone close to us has suffered.  Unfortunately it still seems to be a taboo subject and is often not talked about openly, even though mental health awareness has been a subject rarely out of the news in recent times. This can lead to many of us suffering in silence, afraid to ask for help and often not knowing where to turn in times of need.

Having suffered from mental health issues myself, I understand the toll it takes both emotionally and physically,  and not only on me, but on my loved ones too. My mind is often full of negative thoughts, worries spin constantly round my brain and sleep will evade me for days. The noise in my head can become overwhelming and there are days where I struggle to look after myself.

A friend recently introduced me to a simple mindfulness programme to help me cope when my anxiety threatens to overwhelm me. After some scepticism (I’m awful at trying new things), it has helped me to take some control and in general I feel calmer and more like myself again. I am not alone in finding this approach helpful – a study conducted by the Mental Health Foundation found that subjects who undertook a course of mindfulness reported:

  • a 58% reduction in anxiety levels
  • a 57% reduction in depression
  • a 40% reduction in stress

Here are five tips to help you find some time for mindfulness in your life:

  1. Actively book some time in your calendar for yourself. You can practice mindfulness in as little as ten minutes and by scheduling this time in you are more likely to create a new habit you can keep.
  2. Find a quiet, cosy corner where you feel safe and relaxed – for me this is in my favourite armchair, surrounded by cushions.
  3. Find a programme that’s right for you. There are lots of great apps out there that make meditation and mindfulness easy, guiding you through your sessions so all you need to do is get comfy and press play. If you find sitting still hard, try a relaxing activity such as yoga which naturally encourages you to focus on your breathing, making mindfulness a more natural process. Or, take up a new hobby, such as knitting, sewing or baking – the repetitive actions act as a natural meditation.
  4. Don’t be hard on yourself.  It’s no reflection on you if you don’t feel the benefits straight away. For me, mindfulness certainly didn’t come naturally and having suffered from anxiety for years it took time to really feel the benefits.
  5. Be kind to yourself. Even if you decide the above activities aren’t for you, make time for yourself at least weekly. Do things that bring you joy, whether that’s exercising, spending time with your loved ones or something as simple as taking a hot bubble bath.

Giving ‘organic’ a go

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Many of us are still in the dark about what ‘organic’ really means – sometimes persuaded by clever packaging that what we are buying is better for us without actually knowing why. But what does ‘organic’ really mean and is it worth spending more on these products to reap the proposed benefits to our health and the environment?

‘Organic’ refers to the way which food products are grown and processed. Organic crops must be grown without the use of pesticides and fertilisers which are synthetic, petroleum or sewage based. For livestock used for meats, eggs or dairy – they must have access to the outdoors and only be fed organic feed.

What are the benefits?

There are a quite a few suggested benefits of eating organic food, however this is really down to personal preference and there are also some more negative points to consider. Take a look at some of the pros and cons of going organic below:

Pros

  • Contains only organic pesticides, if any – insecticides which are widely used in agriculture are not used on organic produce and therefore residue will not remain on your food.
  • Usually fresher – as organic food does not contain preservatives to extend the shelf life, it does tend to be fresher, although this isn’t always the case! Choose your supplier wisely – your local farmers market or farm shop is often a good place to start.
  • Is more environmentally friendly – farming without pesticides is better for the wildlife and organic farming also helps to reduce soil erosion and pollution, as well as increasing soil fertility.
  • Could be healthier – it is believed that organic foods contain more antioxidants and up to 6% more vitamin C, which will help your body to fight off nasty bacteria and keep you free of illness. Grass fed animals also intake increased levels of CLA (conjugated linoleic acid) which can boost cardiovascular protection which is good for your heart health.
  • Animal welfare conscious – this is one of the top priorities for organic farmers. Many people believe that the animals on an organic farm live much happier lives as they are not confined to tight spaces and have access to the outdoors and pasture so that they can freely roam about.

Cons

  • Generally more expensive – organic food does cost more and this can make it tricky to afford those ‘five a day’! The farmers markets can be reasonable though or you could have a go at growing your own.
  • Convenience – as organic foods have a shorter shelf life, it can be a struggle to keep everything fresh and this can mean increased waste and more trips to the shop.
  • Can be hard to find – not all stores stock organic and without spending a small fortune, it’s virtually impossible to stock a whole kitchen with organic foods.
  • Creepy crawlies – as insecticides are not used on organically grown fruit and veggies, it is more common to find bugs in your food which can be off-putting for some people.

If you’ve weighed it all up and think you’re ready to give organic a go, try and grown your own or visit the farmers market this weekend!

What a difference H2o makes

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We all know that we should drink water and keep hydrated throughout the day. Water has many health benefits and even helps with our concentration. Did you know that you can actually improve your memory by drinking water?

I find it really interesting that something as simple as water can make such a difference to our brain power and overall wellbeing. We all want to wake up feeling ready for the day and able to stay focused at work, so why do so many of us find it difficult to get down the NHS recommendation of 1-2 litres of water per day (that’s only roughly 6-8 glasses per day)?

Maybe you really can’t stand the taste of water! Why not try infusing with some fruit and serve with ice, and take a look at the benefits of keeping your H2o levels topped up – it might change your mind . . .

So why should you stay hydrated?

  1. Brain power – as your brain is mainly water, keeping hydrated improves concentration, helps to balance your mood and emotions as well as maintaining memory function.
  1. Energy levels – research shows that that as little as 2% dehydration will have an effect on your energy levels.
  1. Muscle fuel – when your muscles do not have enough water, they get tired and achy – which is why it’s also important to drink more water when you exercise.
  1. Goodbye toxins – water helps your body to flush out all of the nasties.
  2. Immune booster – helps your body to fight against illness – yes it’s true that water guzzlers are actually less likely to get sick!
  1. Vitamin check – your body can only take in the vitamins and minerals it needs by using water to reach the different parts of your body. 

It’s also been suggested that water can help with hangovers, so if all of the health benefits listed above aren’t enough to make you grab a glass, remember that the day after the night before!

Part two: planning to make your dream retirement a reality?

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For some, retirement might feel like the end of an era – a time to slow down and settle for a quieter way of life but with many of us living longer, healthier lives maintaining that full and busy lifestyle when we eventually stop working is fast becoming the norm.

It’s worth remembering that you will still be the same you when you retire but with the added benefit of not having to go into work every day!

Staying fit, healthy and active

While you’re working you might take for granted the ways in which you keep your mind and body active, but it’s important to really think about how to continue looking after yourself in retirement.

Does it take you fifteen minutes to walk to and from your workplace Monday to Friday? You probably don’t even think about it as ‘exercise’ but this daily walk helps to raise your heartrate and keep you physically mobile. NHS guidelines recommend that an adult over 65 who is generally fit and healthy should look to exercise for at least 150 minutes every week. This could equate to two thirty minute runs and 30 minutes of brisk walking, so consider how you could work those minutes into your weekly routine.

Is your current job physically demanding? You may be used to heavy lifting, walking or being on your feet all day and all of this activity benefits both your physical and mental wellbeing. Though you might be welcoming the chance to slow down a bit, you should try to make sure you have alternative plans in place to keep you fit and healthy. Age UK has some great tips on how to keep active and where to find exercise classes local to you.

Do you have a subsidised gym membership as part of your benefits and rewards package? Remember that your gym membership might cost you more when you retire so you may want to find an alternative or factor in the added cost.

Whatever retirement looks like for you personally, you can never save or plan for it too early. 4me has a wealth of interactive tools, short videos and a comprehensive library to help you with planning for the future. Find out more about how 4me can help you here.

Colds and flu – coming to a workplace near you!

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It might seem like avoiding the annual cold or flu is impossible, especially if you work in a close-knit office, for example, where the kitchen, café, photocopiers and even the conditioned air you breathe are all for communal use.

But the first spluttering coughs and wheezes of the season don’t have to mean that everyone in the workplace has an unavoidable date with the doctor. Take a look at our survival guide to help you avoid going down with the big sneeze this winter.

  • Get a flu jab to help minimise your chances of going down with this annual horror. Some workplaces offer a flu jab clinic but if not, you should be able to organise it through your GP.
  • Keep it clean! Make sure your desk is free of clutter and food and use anti-bacterial wipes to kill off any lurking bacteria. Your keyboard is likely the worst culprit for harbouring germs simply because you touch it all the time – remember to give it a clean once or twice a week to see off those invisible assailants.
  • Let’s have a show of hands . . . keep them clean – it’s that simple! Wash your hands frequently and avoid touching your face to minimise the possibility of transferring any bacteria on your fingers to your face.
  • Sanitise for extra security. Keep a mini bottle of hand sanitiser on your desk and use frequently – especially after touching anything used by lots of people such as the photocopier, kettle in the kitchen or the coffee machine.
  • Prevention is better than the cure! Stash some fizzy vitamin C tablets in your draw and keep the sniffles at bay. Have one each morning when you get to work to kick your immune system into action.
  • Get fit and stay healthy. Making sure you are in good health can make all the difference to keeping the dreaded diseases at bay during the winter months. If your diet is healthy and you exercise regularly, you are less likely to fall foul of the flu so make sure you keep up with keeping fit all year round.

Lastly, if you do find yourself falling foul of the flu, don’t be a martyr and struggle into work – you won’t win any awards for being the source of the infection that spreads through the workplace like wildfire. Do yourself and your colleagues a favour and stay at home in the warm while you recover.

Cut down on the stress of your daily commute

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Whether you take the train, tube or bus, or drive into work every day, the chances are that you experience some level of stress during your journey.

Your drive in might be relatively easy unless you reach that particular pinch point roundabout a few minutes later than usual, and your train journey might be reasonable until an unforeseen delay due to a signal failure.

A commute longer than 20 minutes increases your susceptibility to chronic stress.

In fact, even though the uncontrollable events that sometimes hinder our daily commutes can have a negative effect on our mood, the impact of ever longer journeys on our general mental and physical health is much more sinister.

Getting to work

According to statistics from the Royal Society of Public Health, just last year there were a staggering 24 million regular commuters in England and Wales travelling to and from work for just under an hour, on average, per day. This rose to almost an hour and quarter for those commuting into big cities such as London and Manchester. It seems like a long time to be suffering the associated stresses of uncomfortable temperatures, overcrowding, journey delays and lack of control (as a passenger), doesn’t it? But consider too, that a commute longer than 20 minutes (however you choose to travel) increases your susceptibility to chronic stress, and over 35 minutes makes you more cynical, it’s clear to see the negative impact a lengthy commute can have on your mental wellbeing.

Unfortunately it doesn’t just stop there. A longer commute time sees an increased likelihood of snacking (particularly on unhealthy ‘fast’ food) and less time for exercise which means physical health can also be negatively affected.

So what can you do to minimise the strain and pain of an extended commute into work?

  • Take advantage of flexible working if your company supports it. Employers are increasingly open to flexible working patterns and working from home is more common than ever before.
  • Try parking a little further away from the office, or get off the bus/tube one stop before your destination and walk. Even walking for 10-15 minutes will help to raise your heart rate and gives you some vital time to prepare yourself calmly for the day ahead.
  • Why not cycle to work? Cycling will help to keep you fit and healthy, sees you doing your bit for the environment by reducing carbon emissions and won’t cost in fuel (apart from your own!) If your company operates a cycle-to-work scheme, you can ‘hire’ a bike through the scheme and pay for it through Salary Exchange (as long as your company offers it).

Our Why BWell 2017 research shows that 35% of the 18-29 age group and 29% of the 30-49s surveyed agree or strongly agree that their commute has a negative impact on their mood. Find out more about wellbeing in the UK workplace in the full research HERE.