ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

It's not easy being Gran

Updated on July 8, 2016

Reaching the age of seventy feels like a milestone. You survived adolescence, the drive of the early adulthood years, the disappointments of middle age. The tendency is to continue as you have in the sixty-years decade, but reality is starting to sink in. You have lost some friends and a lot of family. The family concentration is on grandchildren and/or great-grandchildren. Your children are entrenched in raising their own families. Friends developed and kept over the years are dispersed all across the country. Life expectancy is a crap shoot – you could drop at any moment, or you could make it another twenty years. And after 80, those years could very well be mired in dementia. This is a great time to make a serious shift in your lifestyle.

There are some really good advantages of old age, as long as you don’t feel old. Term life insurance is a bet – that you’ll die before the term is up. Well, at this point, with term life being normally 20 years, you have the odds in your favor. No need for expensive whole life, since you don’t have enough time for it to grow to a viable size.

You can finally stop collecting recipes. Let’s face it, you already saved 400 of them that you never even tried. For that matter, you can finally stop collecting everything. Time to go through those stamps, coins and bills, organize them, then either cash them in or pass them on to another generation. You have so few visitors by this time, there is no more need to display a bunch of collections no one else has interest in – they are often just dust collectors. It’s a good time to contact those you want to leave things to and ask them what they would like to inherit. You will be surprised at how little they want, and what odd things have sentimental value to them. Save a great deal of family wars by sending what you can to the inheritors now; this only relates to small things which wouldn’t come under the ‘gifts’ act anyway.

You can now take a good look at your memorabilia. Among the photo albums I inherited from my mother were albums of greeting cards she received and saved. After a single look through to relive some memories, it’s apparent that these cards have no value to younger generations – or even to me. Time to discard them. There’s a lot of stuff that is of value only to you – homemade gifts from the kids and so on. A great time to pack up the memorabilia for each child and send it to them, so they can enjoy the memories while they are not burdened with your death to handle.

What about your car? If it is in good condition, will it last 20 years? Knowing you are now living on a fixed income, if you are going to take on a car loan, do it now. If you don’t want to take on that burden, keep the car care up; what seem like expenses for maintenance and prevention will save you a headache in the future. Instead of dumping money on insurance, keep it at a minimum; tuck the money you would have spent on extended coverage into an emergency fund; at least that way you will be getting interest on the money until you need it.

Speaking of emergency funds, do you have a nest egg? This is a good time to keep $10,000 in the Emergency Fund; split the rest up and bestow it on the people you want to inherit it. If your children are comfortable and not in need, consider setting up college funds for your grandchildren instead – these college funds are usually tax-free both in donations and withdrawals. And no matter how diligent your children have been to save for your grandchildren’s education, there will never be enough. Grandparental accounts are not included in the finance reports a prospective college student has to make, and even if it’s a very modest amount, anything will help.

Gotta face the fact – you will no longer consider starting a new career. You have no interest in getting trained or educated in anything new. But you can start a new life. Earnestly write up a bucket list. Start with crazy stuff and end with little things. Don’t be afraid to add to it as time goes on.

Now that you have a wish list, don’t let it collect dust. Look at the things you spend your time doing, and find ways to end some of the chores or change them. You no longer have little children running around; vacuum only once a week. Unless you have company coming over, don’t make the bed; instead, pull the covers down to the foot and let the bed air out; this discourages bed mites. If you don’t have a garage, hose down the car to get rid of dust and pollen; in the winter, hose down the undercarriage if you live where they salt the roads. Any way you can find to loosen up some time, do it.

Then work on the bucket list. If you dream of travel, but can’t afford a cruise to Bahama, start with car trips to friends and relatives you like. Take advantage of the sights along the way; don’t be afraid to pull over and see the largest rubber band ball in the world, or explore caverns. Don’t lock yourself into a timeline – tell whomever you are visiting approximately when you expect to get there, then pull out that fancy smart phone when you are about five hours away and alert them of your arrival.

It doesn’t really matter what is on the bucket list, or whether you can afford to do it up brown; it only matters that you at least get a taste.

America isn’t noted for venerating the elderly for wisdom, but that shouldn’t hold you back. At no other time in your life have you been able to voice your opinion without worrying about the consequences.

After a lifetime of doing what you had to, what was expected of you, and what was best for all concerned, you can now respond to “I don’t feel like doing that” by not doing it! You can get up in the morning and say “What do I feel like doing?” – and do just that. As soon as it gets boring, leave it undone and do something else you feel like doing. Sprinkle in a few chores you were always planning to do but never got around to. Eventually everything gets done. And at the end of each day you feel you’ve been productive. Throw away the schedule – it really doesn’t matter if you do laundry on Monday or slip it in between jigsaw puzzles.

Remember that you have no idea of how long you will have your health or sanity, so now is the time. Enjoy it!!


    0 of 8192 characters used
    Post Comment

    No comments yet.


    This website uses cookies

    As a user in the EEA, your approval is needed on a few things. To provide a better website experience, uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

    For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at:

    Show Details
    HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
    LoginThis is necessary to sign in to the HubPages Service.
    Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
    AkismetThis is used to detect comment spam. (Privacy Policy)
    HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
    HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
    Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
    CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
    Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the or domains, for performance and efficiency reasons. (Privacy Policy)
    Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
    Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
    Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
    Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
    Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
    VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
    PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
    Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
    MavenThis supports the Maven widget and search functionality. (Privacy Policy)
    Google AdSenseThis is an ad network. (Privacy Policy)
    Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
    Index ExchangeThis is an ad network. (Privacy Policy)
    SovrnThis is an ad network. (Privacy Policy)
    Facebook AdsThis is an ad network. (Privacy Policy)
    Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
    AppNexusThis is an ad network. (Privacy Policy)
    OpenxThis is an ad network. (Privacy Policy)
    Rubicon ProjectThis is an ad network. (Privacy Policy)
    TripleLiftThis is an ad network. (Privacy Policy)
    Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
    Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
    Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
    Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
    ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
    Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)
    ClickscoThis is a data management platform studying reader behavior (Privacy Policy)