One of the best things about retirement is that it gives you more time for travelling. You can stay longer in your favourite holiday spots, or set out to explore all those places on your Must See One Day list. You can also visit distant friends and relatives more often without having to rush back for work on Monday morning.
Unfortunately, the cost of transport, accommodation and eating out soon adds up, and most people find their wanderlust restricted by their bank balance.
But you dont have to be a millionaire to enjoy a free and easy lifestyle. All you need is a touring caravan or motorhome. Decide where you want to go, do a quick Internet search to find and book a suitable campsite at a very reasonable price, and off you go!
Modern caravans and motorhomes are nothing like the cold, cramped metal boxes of the past. In fact, many are positively luxurious! Showers, fully equipped kitchens and comfortable beds come as standard in lots of models, and you can add your own individual touches to create a home from home thats exactly right for you.
Taking your accommodation with you solves all kinds of travel problems. There are no luggage restrictions for a start, and you dont have to spend your journey worrying that your bags might go astray. Simply take whatever you need. And that can include your pets, of course.
Plan your own route; taking breaks where and when you want. You can stay on one site for a week, or longer, or move on every day. Eat when you like, sleep when you want, be as active or relaxed as the mood takes you.
Sites vary from the small and secluded to large holiday parks complete with shops, restaurants and entertainment. If you prefer the quiet life, you will be pleased to know that many sites are for adults only. But if youre treating your grandchildren to a holiday look for family-friendly sites with safe play areas.
There are thousands of licensed sites to choose from all over the UK. If you want to go further afield its easy to take a ferry or use Eurotunnel to explore the rest of Europe. And you dont have to confine your travels to the summer months. Imagine touring Portugal and Spain to escape the British winter!
If youre new to caravanning, its a good idea to hire a caravan or motorhome for a short break. Decide what you like " or dont like " about the hired model so youll know what to look for when investing in one of own. And when you find the one that ticks all your boxes your life will change, for the better!
Sold on the idea of buying into the freedom a caravan or motor home will give you but not quite sure how to finance it?
Of course there is a range of finance options out there, but if you dont want the burden of monthly repayments, or the worry of credit checks or income related loan agreements that you may not qualify for, there is another option. If you are a homeowner and are aged 55+, you could release some of the value of your home to fund your retirement dreams. This is called equity release, and it is a safe and very popular finance option amongst the retired population.
Providing you take independent financial advice and deal with a specialist equity release adviser who is regulated by the Financial Services Authority (FSA) and who only recommends products endorsed by Safe Home Income Plans (SHIP), you can be assured that releasing cash from your property is completely safe, that you will never owe more than it is worth and you can live in your home for as long as you wish.
Equity release involves no monthly repayments, no credit checks and the finance is not related to your income.
If you would like to enjoy the freedom and benefits a caravan or motor home brings, and you are aged 55+ and own your own home, why not consider equity release? Providing you take independent financial advice from a Financial Services Authority regulated equity release specialist, youll be well advised and certain that the finance option is the right one for you.
About the Author:
Geoff Charles is the Managing Director of Bower Retirement Services, an Essex-based FSA regulated independent financial advice company that offers specialist advice on equity release throughout the south of England and free on-going, lifelong customer support. For more information visit http://www.brsequity.co.uk, telephone 01277 262724 or e-mail info@brsequity.co.uk.
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