Hi everybody - I guess it's t-shirt day-to-day Tina - Oh yeah - Cruising through life
(yeah) and you bought me this one that tells the world I'm over 60 - I know - Even though I'm in denial
- I bought that for your 60th birthday - You did indeed so thank you very much - And if you remember
we were actually at a winery in Prince Edward County - Yes enjoying wine tasting - Absolutely
that was good wasn't it - So what are we talking about today Tina - We're going to talk about stress
free retirement - That sounds like a great subject because retirement could be stressful if you don't
plan it right, is that right Tina? - That's correct - So what's the first thing that we should do to reduce
some of the stress - Well one of the things that we really like to do is to streamline all our
financial things like the financial bills that we have to pay (we do) isn't it - So what we did we have
set up wherever possible automatic payments so for instance when we got a new internet company
18 months ago we put a credit card up and just had automatic payments because the price was
negotiated we knew what it was going to be every month and so they just charge our credit card
and the nice thing about that is that we can pay our credit card online as well can't we
- Yeah absolutely hey yeah it's great - So we've becoming virtual hermits in our apartment
having never no need to leave - And there's a lot of other bills too Norm hey we pay the rent that
the rent is paid by a direct debit so again it's taken out of the first of the month we don't even
have to worry about it it's just automatically taken out in the bank - We also have decided to
pay our insurances for the apartment for the car and our trailer in one one lump sum so we
pay that annually so we don't have to worry about moving money to a bank account to pay a standing
order and we also save some money because of that because the insurance company doesn't charge us
a handling service fee - That works really well we actually do that as a bank transfer don't we Norm
we literally just put our account number in to the insurance company
Norm does an automatic quick from one to the other and it's paid it is so easy - So
that banking online helps to be stress free because we can do banking in our pyjamas
- That's always very handy hey so you can do it at any time of the day
- It really is so we have a banking app on our iPads and we also have the option of going online
and banking through the laptop as well - Also too Norm remember if we get some checks sent to us
in the mail we can actually do those on through your iPad too hey just take a picture of it - Yeah
because there was a point where the government wouldn't pay my pension direct to the bank they
insisted on sending me a check (yeah) which was very nice to have a cheque - To get the money - But who
wants to have to drive down to a bank branch and line up and pay that in so our our banking app it
was relatively new for the Bank of Montreal they introduced photographing the check for automatic
deposit and that's worked really well for us - Yeah very convenient isn't it - So with that and interact
transfers email transfers it's been great
so really stress free about the only stressor is earning enough money to pay all these bills
- One of the very best things that has really helped reduce stress for me is and it feels like we've
got a maid that comes regularly to the apartment - But we don't - We just got a Roomba robot vacuum
and it's awesome isn't it Norm - It really is it does an absolutely fantastic job when yeah
we just used to have a regular vacuum that you pushed - Yes like the upright one wasn't it (yeah)
- But this one I don't know what's inside it but it really fluffs the pile up so you can see that
your carpets are standing higher (yes) as Tina says it's more fluffy to walk on afterwards but it just
provides hours of entertainment I was looking at this thing going up and down I keep meaning to put
an action cam on it - Oh yes so you can put a webcam on the top of it hey Norm it really is
a lot of fun but quite seriously takes away the chore of vacuuming doesn't it
- It really does and so Tina will just corral the thing and so if we want the hallway done we'd
lay some chairs down so it can't escape anywhere and it just goes up and down - And around in circles
- If it finds an area where there's more grit or whatever it just goes around in circles till it
gets it all out yeah so we'll leave a description a link in the description for the one that we have
(yes) it's a relatively inexpensive one and it's great - Yeah we didn't go for the dead
expensive one did we we just went for a medium one and they're always coming on sale aren't they - They are
we were just too cheap to buy a an expensive one - We highly recommend it - We do a Roomba
robot vacuum cleaner Tina's new best friend nothing like waking up to fresh brewed coffee
that you didn't have to make yourself or you made it the night before and forgot that you did it
so we did buy for our trailer to be honest with you an automatic coffee maker just a
regular like a drip one I think it's Black & Decker - And it wasn't dead expensive was it
- No but we brought that when we closed up the trailer we brought it back here and Tina
has been setting it up every evening before we go to bed and the coffee is made when we wake up
- It's great isn't it - It really is - Because the one that we bought to take the trailer
actually had the automatic timer on didn't it - It did - And so we know when we've been using it back
in the apartment and it's great - So just waking up and having that fresh brewed coffee that
you're not having to set up in the morning it really is very relaxing isn't it Tina - It is it's very
nice great way to start the day another wonderful thing that we've been doing particularly more I
guess during this pandemic is that we are now ordering so much from Amazon and Costco online
it's made life so much easier hasn't it Norm - It did and we've just sort of gone through the
holiday season and one of the great things is ordering gifts online having them gift
wrapped by somebody else and shipping them to the door we don't even have to worry about
how much the mailing is and finding a box you just ask Amazon and - They do it all for you
don't they - So we sent our daughter and her family personal gifts - Yeah with gift cards on and all
wrapped up was great as (it was) and then of course we've been buying things for us too haven't
we which have come right to the door and it's just wonderful we love it - We got our new camera
and yeah hair light and so everything online it's great and we've just got a new lens for the camera
because the other one was making the camera be too far away from us so this is the first
video with our new lens - Yeah so we hope you like it - And we also wanted a new T.V. because
stuck in the house with the pandemic what else is it to do watch a movie every now and then
so we got a new T.V. it's a 65 inch wouldn't fit in our car so we bought it online at Costco - It was
wonderful and not only did they deliver it to the building they delivered it right up into our
apartment - Right to our front room where we wanted it - Door-to-door service included brilliant wasn't
it yeah we didn't even have to pay any extra - So there was no struggling with a huge box
trying to get it here it's the way to go - It is all you had to do was sign for it wasn't it Norm
- Yeah and it was stress-free buying - Yes we would highly recommend that - We would indeed
so along with the online thing we're also doing groceries so if we want something from Walmart
we just go online it's relaxing we just go through the virtual
grocery aisles selecting what we want and put it in the basket and then we go for pickup instead
of having it delivered so we can just drive down to our local Walmart they'll come out put
it in the trunk of our car and off we go and we've already paid for it on online with our credit card
- Yeah that's actually working really well isn't it Norm - And the nice thing about that Tina is it
remembers what you've ordered (yeah) it has it in the little area for reordering - And it's like do
you want to order this again or you had this last time would you like this or this is on the sale
it's great but what we can do is put the order together over like a couple of hours can't we (yeah)
and we can put it on hold then we can do something else and then go back to it and then we add it all
up and then providing we leave enough time to book usually we book for the day after don't we to
have it picked up - Yeah yeah - And it's a really easy way of shopping and we don't have to go in the
store it's worked great - No we worked out that if you tick the little box that you're going to
bring your own bags - Oh yeah - They actually just bag it up in their own bags so we get free carrier bags
- And often they bag things like two and three times don't they so in an order we can get like
20 carrier bags can't we which is great because we recycle those and use them in the bathroom for
bins and things it's great - Yeah we use them as bin liners - We do don't we - So we're all about
reducing stress in retirement enjoying ourselves and we are using the tools that are available
(yeah) and as your memory starts going automatic payments come into their own because you don't
forget to make a payment and you don't get charged late fees - No which is great and then
generally when we're paying like the credit card bills they tend to send us a quick email
don't they 2 or 3 days before the payments due we can just pay that online too so it's great
isn't it works really well - So that's really what we just wanted to cover stress
free retirement set up a few things to make life easy for yourself so you can have more
time to enjoy yourself or watch that new big screen T.V. - I know actually the movies
are really good on it on you know - It is - Yeah we're really enjoying it - So thanks for watching
- And we hope that everybody is staying safe - And keeping well - Until the next time bye bye, bye bye