How to create a routine in retirement and make the most of your time

You finally have more time – so why does it feel harder to get things done? Our expert outlines the best way to bring structure, purpose and freedom to your days.

Senior couple enjoying sunset by the sea
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Saga river cruise ship Spirit of the Rhine in Koblenz
Win an all-inclusive Saga river cruise to Germany

Your chance to win a 7-night cruise for two on board Spirit of the Rhine, worth more than £4,000.