PENSION & FINANCIAL WELLNESS

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Craig Whitehead Member , Pension & Financial Wellness Committee , ARTA

In the winter , we watch as the frost gathers on the branches . The trees cannot control the climate , disease , or insects that may damage them .

Just like the trees , we also go through changes . We attended university , began our careers , and had high hopes of putting enough resources aside for retirement . But some of us have also faced situations beyond our control . We wanted to put our money into RRSPs and TFSAs , pay off mortgages , own new vehicles , and travel . However , life happens — we may have faced illness , the death of a spouse or child , poor investments , or aging parents or children who needed financial help . We may have started working later in life or removed our money from our pensions before we reached 55 years old — and the investments have not grown like we expected . If this sounds familiar , what can we do now that it is time for retirement ?

How Do I Supplement My Income ?

There are many ways for retired professionals to earn some extra money . While it might not sound ideal to start working again during your retirement , consider these options as a temporary step to get you back on track financially . Who knows , maybe you will find something you enjoy doing long-term , even after you have reached your financial goals .

To continue working on a flexible , part-time basis , consider working as a substitute teacher , tutoring , or applying to a nearby university or college to teach a course .

If you love golf , check out the needs at the local golf course . You may be able to get a job on the grounds crew , as a starter , or as a course marshal . By working there , you may get free or discounted rounds of golf .

Apply to work with the parks department of your town or city . These seasonal jobs could give you the time and money to spend a holiday overseas or down south and possibly provide employment insurance .

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