New Year New Home
Finding Connection
This Winter
Experience the joy of community in our beautiful communal spaces. At Burghley Living, you won’t memories together.
Maintenance Made Simple
Put your maintenance worries what truly matters, enjoying life to the fullest.
The Burghley EasyMove Service
overwhelming experience. That’s why our Burghley Easy-Move Service is hassle-free. along with comprehensive services. *
Winter in Your New Home
your stylish new apartment or gather with fellow neighbours for joyful celebrations in our elegant communal lounge.
Experience the magic of the winter season, all while feeling at home. *
Deciding to travel alone can be a tough decision whatever your age. Our sole focus is solo travellers and so much is included in the one price on our escorted holidays.
More than 18 years of nothing but solo travel
Fully escorted by a dedicated Tour Manager
Quality hotels with no single supplement
We include most meals, drinks, excursions and a host of extras
Age group normally 50+
Tried, tested and trusted by our high level of repeat guests! REQUEST YOUR 2026 HOLIDAY BROCHURE TODAY!
u3a Matters is published by the Third Age Trust Trading Company.
Company number 11899419.
Contributions for consideration:
email: editor@u3a.org.uk
Enquiries and issues: email: support.magazine@u3a.org.uk
Other communications, please send to:
u3a office
Third Age Trust
156 Blackfriars Road, London SE1 8EN
Email: u3a.office@u3a.org.uk
Tel: 020 8466 6139
EDITORIAL
Editor Sharon Parsons
editor@u3a.org.uk
Group sub-editor James Hundleby
Sub-editor Amy Beveridge
DESIGN
Art Editor Yvey Bailey
Picture Editor Jessica Marsh
PRODUCTION
Jane Easterman
ADVERTISING
For advertising enquiries, please contact our sales agent Redactive Media Group.
For display:
u3amatters@redactive.co.uk 020 7324 2775
For classifieds:
u3aclass@redactive.co.uk 020 7324 2773
PUBLISHERS
Redactive Publishing Ltd
9 Dallington Street London EC1V 0LN redactive.co.uk
THE SMALL PRINT
u3a Matters is published in February, April, June, September and November. All rights reserved. Any reproduction without permission is prohibited. The publishers cannot accept responsibility for any unsolicited material or for the views of contributors. None of the Third Age Trust, the editors or the publishers are responsible for verifying the content of any advertising materials that may be included within u3a Matters, and express no view or recommendation on any service or product advertised. Readers should always take appropriate professional advice. The Third Age Trust provides third party liability insurance. However, extreme sports and high hazard activities may not be covered. Please check before running an activity.
THIRD AGE TRUST
Registered charity No 288007
Limited company No 01759471
Third Age Trust Trading Limited is a subsidiary of the Third Age Trust
In this edition of u3a Matters, I’m especially struck by two features that bookend the issue, and entirely encapsulate what the u3a is about. Fittingly, we begin on page 7 with a tribute to one of the movement’s founders, the late Eric Midwinter: his vision helped to lay the foundations for a movement that is flourishing all these decades on, and has benefited thousands of ‘third-agers’ over many years.
On our final page, meanwhile, a member describes her determination to embrace positive ageing with an adventurous spirit that turns stereotypical perceptions of ‘older age’ on their head, just as Eric intended.
That isn’t to suggest, of course, that some aspects of getting older aren’t difficult. On page 31, for example, we look at the very real challenges that can come with living alone – some of which may seem especially
acute at this time of year. Here again, though, one of the key pillars for the movement is social contact – and the u3a offers members numerous ways to embrace that, bringing support, stimulation and friendship. Such examples are peppered throughout this issue – from inspiring groups and events that make learning together useful and fun (check out our Live & Learn section starting on page 65, for example) to really inspiring ideas for u3a outings and celebrations.
This movement will always be here for you – so reach out, get involved and enjoy it!
7 CONNECTIONS
Members pay tribute to u3a co-founder Eric Midwinter. Plus news and views from across the u3a
27 FRIENDS EXTRA
Discover fantastic savings as a member of u3 Extra, plus great Brand Shop buys
31 LIVING WELL
Editor
Strategies for living alone; nature-inspired gift guide; filo pastry recipes
43 STORIES TO SHARE
Pink Floyd memories; a wartime escape; sending letters home from Zambia
49 YOUR GOOD HEALTH
Global health secrets; avoid tummy troubles; health news
57 GOOD TIMES
Historic streets to treasure; what’s on the big and small screen; new books page
65 LIVE & LEARN
Interesting groups, diary dates, inspiration and expertise
MAILBOX
Your letters
78 PINBOARD
A round-up of u3a events and celebrations
80 DILEMMA
Your advice to a member – and another quandary to consider
83 BRAIN GAMES
90 COMING OF AGE
Why taking risks can be so rewarding
News and views to share what’s been happening across the u3a
A man of vision connections
Eric Midwinter’s keen intelligence combined with determination, wit, warmth and curiosity leaves an outstanding legacy. Here, we pay tribute to his remarkable life and work
Eric Midwinter’s long life began in Sale, now part of Greater Manchester. The younger son of Edna and Harold, a fi reman, he was educated at Sale Grammar School, before studying history at the University of Cambridge. Before doing so, however, he did his national service – and after being promoted to sergeant, he was posted to Germany.
Later, at St Catharine’s College, he became a member of the debating society, and actively pursued wideranging interests that were to stay with him all his life. There was sport – notably cricket and football – but his love of the stage was also very much in evidence: as a member of the dramatic society, he acted, wrote and produced. After graduating with a first, Eric
Eric at the u3a’s 40th anniversary in 2022, full of ambition for its future success
As a bright-eyed schoolboy
entered the teaching profession, and in the decades that followed his work and achievements in the field of education proved formidable. But his ambitions to educate and enlighten went much further.
Leading the way
A social historian, he was acutely aware of the need to recognise senior people as valued members of society: he was adamant the older person should be seen as “a positive, active citizen, not as a negative, passive social casualty”.
To that end, he held a number of pivotal positions. This included his appointment as director, and later chairman, of the Centre for Policy on Ageing ( 19801991 ), and consultant to the Millennium Debate of the Age project. Not least, of course, in 1982 he co-founded the University of the Third Age. He was awarded an OBE 10 years later.
He was adamant the older person should be seen as ‘a positive, active citizen’
Beyond the u3a Alongside this work, Eric was well known as an accomplished broadcaster and writer. His lifelong passions of theatre and cricket were never to leave him: he had a huge knowledge and love for comedy and entertainment, and as a noted cricket historian he held the position of president of the Association of Cricket Statisticians and Historians for seven years from 1997 to 2004.
Last, but certainly by no means least, Eric was a devoted family man. He was married to Margaret for 61 years, and the couple had three children, Matthew, Daniel and Kate, and three grandchildren, Niamh, Patrick and Sam.
We know that all members of the u3a will join us in sending Eric’s family our sincere condolences at this very sad time.
Laying the foundations
Ian McCannah, chair 2018-2021, a member of Barnet u3a
Readers of u3a M atters will identify Eric Midwinter as one of the three founders of the u3 a movement in 1982.
However, those reading Eric’s obituaries in the national press will realise that by that date he was already an established educational academic, broadcaster and author. During a long life, he published over 60 books, as well as articles on topics ranging from cricket, show business and comedy to aspects of education, 19th-century leisure, politics and third age learning.
Despite being widely recognised as a polymath, Eric’s legacy will most likely lie within the u3 a movement. His educational career brought him into contact with Michael Young – a serial founder of bodies such as the Consumers’ Association, Which? magazine and Grandparents Plus – and Peter Laslett, a Cambridge historian
who worked with Young on forming the Open University.
The concept of providing a platform for informal learning into the third age of life (defined as no longer being in full-time employment) first surfaced in 1970s France. The main features of Université du Troisième Âge (UTA) were third-agers attending a range of lectures provided by second-agers (defined as adults in work) in universities, with funding by the government and no concept of volunteering.
The three academics decided to bring the concept of third age learning to the UK. However, they did not believe that the ‘French model’ could be transferred as there were too few universities in the 1980s to provide a learning experience across the country. They also believed that a UK movement
Eric’s army daysA family man
With grandson Sam
should be member-funded, volunteer-based and not dependent on formal links to government agencies. Not least, they argued that third-agers should not share informal learning with second-agers – hence, “the learners teach, and the teachers learn” ethos of the movement today.
Eric was much younger than Michael Young and Peter Laslett and became the father figure of the movement after their deaths at the beginning of this century. The result of their shared vision nearly 50 years ago is a movement of over 1,000 u3as and 400,000 members in the UK, and a model that has been copied throughout the English-speaking world, as well as parts of Europe.
Eric never lost his connection with the grassroots of the movement. In retirement he joined Harpenden u3 a , and when they were struggling
to find a chair, he stepped forward! At a national level, he kept in touch with members until very recently through his interesting, thoughtful and humorous articles in every edition of this magazine.
During my time on the board of the Third Age Trust, including three years as chair, we had regular meetings. Eric shared his vast experience of the movement with me and provided suggestions on how to address the many issues it faced, particularly those presented by the pandemic.
No doubt our personal relationship was strengthened by the fact that we were born and bred within 10 miles of one another and shared many memories of the glory days of Manchester United! Along with many, I will miss Eric along with his humour and wise counsel.
Inspired devotion
Dianne Norton, a member of Wimbledon u3a
I had the great good fortune to work with Eric Midwinter during the establishment of the u3a when the spare room of my home in Wimbledon became the organisation’s first office. I dealt with all the correspondence that arrived from keen new members. I remember early on, when Eric was interviewed by the BBC about the u3a, we received over 400 letters in response. People wanted to know how they could join a u3a near them: the answer was, if you want one, you have to start one! I later became executive secretary of the committee, and the u3a’s first and only employee at that time. It was such a privilege to be there from the very start.
Eric had a staggering intellect and a phenomenal energy: when he said he would do something, you knew he would do it straight away. His remarkable memory and verbal acuity meant that anyone who heard him speak knowledgeably on a wealth of topics would never forget what he said.
The passion he had for the foundation and all it stood for was genuine, and he cared deeply about the organisation, its members and the u3a community overall. Indeed, I believe he demonstrated a unique and inspired devotion to the movement for which we older people should be forever grateful.
At home with his wife Margaret
Eric was well known by so many in his various walks of life
Keen intelligence
Liz Thackray, chair 2021-2024, a member of Flintshire u3a I had the privilege of meeting Eric Midwinter during the u3a’s 40th anniversary year in 2022 when I hosted a lunch to celebrate the contribution made by him and others to the early development of the u3a in the UK. I was struck by his intelligence and candour. He was proud of the way the u3a had grown and developed over the years – not always as he and his fellow founders had anticipated – and that it retained the spirit of the independence of local u3as.
Eric cut his teeth in community development in the 1970s, when he led the work of the Liverpool Education Priority Area team. In that role, he learned to appreciate the knowledge of local people, often not formally schooled. It was that understanding that underpinned his approach to the u3a. He recognised that after a working life most people had a virtual rucksack of knowledge, experience and activities that they were both ready and willing to share with others – and there was a hunger for new friendships as work receded into the background. He knew the model for the embryonic u3a was not without its challenges – he described it as anarchic – and he knew local independence would always challenge central management.
He was proud of his achievements. His intelligence and wit will be missed.
Musical collaboration
Tony Crimlisk, a member of Southport u3a I first met Eric in 1966 at the Ethel Wormald College of Education – a new college in Liverpool specifically for mature students. We both arrived there at the same time: Eric was appointed as deputy principal, and I had the role of head of music. I was young and inexperienced, and I always remember how generous he was with his time and advice.
More than 50 years later, we met again – through, appropriately, the organisation he founded. I had started a musical theatre group at Aughton & Ormskirk u3a, and one of the musical comedies I wrote had the tongue-incheek title of That Terrible u3a (later described in the press as “the best advert for the University of the Third Age you could ever wish to see”, I hasten to add!).
Eric read some reviews about this and other musicals I’d written, and contacted me – a bolt out of the blue! – to ask if I’d like to collaborate in writing a musical comedy based on an idea he had about what happened to the character Bob Cratchit from Charles Dickens’ A Christmas Carol in his later years – well, naturally, he joined the u3a! The result was Bob Cratchit – Retired, which the musical theatre group first performed at Ormskirk Civic Hall in 2015. Eric, of course, came to see it along with other u3a executives.
I’m so pleased that Eric and I were able to renew our connection in such a special way, and I will always remember – along with his many achievements – his great sense of humour and fun. My sincere condolences to his wife and family.
Happy memories
Beryl Clarke, a member of Cirencester u3a I read with great sadness of the death of Eric Midwinter. I remember when Eric and my husband Peter were both very young teachers in a school in south Manchester. At the time, Eric’s subjects included speech and drama, and Peter was teaching music, so their work overlapped and they got to know each other.
Sadly, as the years passed, Peter’s health deteriorated, which meant he couldn’t get out and about very much. However, he always looked forward to receiving u3a’s magazine and reading Eric’s articles – they reminded him of that happy connection, and always lifted his spirits.
Catching up with former chair and host Liz Thackray
Celebrating u3a's 40th anniversary with guest Baroness Jill Pitkeathley
Future aims
Pam Jones, chair 2015-2018, member of Witney u3a
When I think of Eric, I especially recall the wonderful celebration of 1,000 u3as that took place at Friends House in London on 20 November, 2016. I was privileged to chair that meeting with the invaluable help of Sam Mauger, who had recently been appointed as CEO, and Lin Jonas, who had previously held the post.
Baroness D’Souza, the Speaker of the House of Lords at that time, along with Eric, our remaining founder, were the inspiring speakers that day.
Eric set u3as a challenge at that meeting. He was delighted that we had reached 1,000 u3as, but said that his vision was to double our
membership to one million by 2020. Sadly, Covid-19 intervened, but that challenge still remains. He felt that one in every 10 third-agers should belong to the u3a. He wanted us to ensure that this demographic is recognised for its positive contribution and never excluded.
Eric always felt that our way of learning should be used in schools rather than league tables, competition and streaming. He encouraged us all to preach our message as well as practice it.
Eric, you were a true inspiration and support to me. Long may your legacy live on.
Comic appreciation
Paul Foxall, a member of Kennet u3a
I had the pleasure of meeting Eric when he came to the Max Wall Society in London to give a talk in March 2018. Comedy was one of Eric’s chief interests, so it was most fitting for him to attend the celebrations of the ‘Great Wall’ at our annual dinner. It was my first year as the society’s chair, and I wanted a reliable guest speaker –Eric fitted the brief perfectly. He was
extremely knowledgeable and had also met and interviewed many top comedians, including Ken Dodd, who was the Max Wall Society’s president. Eric had known him a long time and had interviewed Ken in Knotty Ash: very sadly, the comedian had died just three days before he gave his talk.
Eric later wrote in our journal that it had been a wonderful evening. For us, having him there made it particularly special too.
Eric felt that one in every 10 third-agers should belong to the u3a
True connection
Vivien Chandler, a member of Harpenden u3a
Our u3a has a tremendous amount to thank Eric for. We were one of the very fi rst u3as to be founded (by Eric, of course, who lived in Harpenden) and he was connected to us for over 40 years. He became our chair again about 10 years ago, and still contributed to meetings and to our history group until he became ill.
I can’t thank him enough for the support he gave me personally when I became chair in 2020 – just at the start of Covid-19! He was delighted to see how successful Harpenden u3a had become in the last five years. He will be much missed.
Do you have memories of Eric that you’d like to share? If so, email: editor@u3a.org.uk, and head your email: ERIC MIDWINTER
Eric reminiscing with Isobel Markham (far left) and the late John Lloyd, who both served on the NEC Committee, and Michaela Moody (second left), former trustee and vice chair of the Trust
Sharing a joke with former chair Lin Jonas
Here at Travelsphere, we’ve been leading the way in escorted touring for more than 60 years. Our itineraries have been designed to explore both iconic and off the beaten track sights, immersing you in your chosen destination. And, we take care of all the little details so you don’t have to. From flights, overseas travel and accommodation to a range experiences all led by an expert Holiday Director, what are you waiting for?
“Travelsphere takes all the best things from destinations, excursions, great food, and excellent accommodation and makes it a holiday to treasure forever.” S Ranford
Request a brochure
01858 415024
Award winners
Something to smile about!
Following last year’s relaunch of u3a Matters, we were absolutely thrilled that the magazine was shortlisted in two highly regarded categories at the prestigious 2025 Memcom Excellence Awards. This year saw a record number of entries, and the competition was fierce!
The glamorous ceremony was held at The Royal Lancaster Hotel in London on 25 September, and we were delighted to receive a Highly Commended Award for Best Magazine (circulation more than 20,000). This is truly gratifying recognition, given the calibre of the shortlisted entries.
u3a Matters is your magazine – which means we couldn’t produce this title without the valuable stories, updates, opinions, ideas and inspiration that members provide in every edition, so thank you. Do keep your contributions coming.
Next year, who knows – we might scoop the top prize!
THOUGHTS FROM THE CHAIR
Perfect planning?
Chair Allan Walmsley considers the benefits of changing course from time to time
As I write this article for u3a Matters’ Winter edition, I’m sitting in a hotel foyer during my (admittedly late) summer holidays. It made me think: is so much planning ahead always good for us?
The famous corporate saying is ‘Fail to plan, plan to fail’, and doing the groundwork has always been a large part of my business and personal life. But now that I’m heading towards 70 years old, life seems to be whizzing past ever more quickly than before; future planning seems to be for an evershortening horizon; and, ironically, the unexpected seems to pop up more and more frequently. Are there parallels for u3as, I wonder?
On a personal level, being in a prominent position in the Third Age Trust means an element of planning is essential and unavoidable, just as it is with u3as, networks and regional teams. But perhaps there is also a virtue in being responsive and adaptable as and when circumstances change, often without warning. We live in a world where almost nothing stands still – challenges, whether they be personal or organisational, are never far away. Often that means previous arrangements and ideas are thrown out of the window and we find ourselves ad-libbing without a prepared script.
So, can we find a better balance and cut back on some of the traditional planning we tend to do? Can we be more reactive as things pop up, bend with the wind a little more and even make more time to simply enjoy the moment?
I’m not suggesting that u3as throw away their plans, but perhaps there’s a time and a place for everything and we can organise in different ways. All u3as are faced with competition; seniors have many more ways to spend their time; and potential younger members may be looking for something different in later life. So perhaps we need to think about being more flexible, reacting to changing circumstances and – in doing so – possibly heading off challenges in advance. Just a thought!
My direct email address is allan.walmsley@u3a.org.uk
Or you can contact me via u3a.of fice@u3a.org.uk
Collecting our award: Liz Page, chair of the u3a Matters Committee; Iain Cassidy, CEO; Sharon Parsons, editor
PHOTO: PETER ALVEY
Life lessons
WORDS OF WISDOM
Dr
Ranjit Arora of Bardford u3a shares her wise
thoughts
CHERISH YOUR WANDERLUST
There is nothing more life-altering than following your wanderlust. I first left home out of necessity but it opened up a whole world. I enjoy travel, especially cruising, because it inspires spontaneous decisions you never dreamed you’d make, and encourages different activities as you visit new places and make new friends.
TALK TO STRANGERS
You can never feel lonely if you are willing to talk to people you don’t know. To quote William Butler Yeats: “There are no strangers here, only friends you haven’t yet met.” It is amazing how sometimes just a simple hello or a smile can lead to life-long friendships.
CHALLENGE THE NORM
I have never been one to follow the crowd. Although speaking my mind and standing up against injustice has jeopardised my career, it has also opened up opportunities for other people. Nothing changes unless someone takes the first step to challenge the norm. Why not be that someone? Be true to yourself.
What are your Words of Wisdom? Send your three short and sweet thoughts and why to: editor@u3a.org.uk
Call out for Wrens…
Penny Hammerton of Lincoln u3a is on a quest to find female u3a members who joined the Women’s Royal Naval Service (WRNS) between 1946 and 1981. She says: “For 35 years after the Second World War ended, women who joined the WRNS – known as ‘Wrens’ – trained at HMS Dauntless at Burghfield near Reading in Berkshire. Here, their essential details were recorded in ledgers, but in 1981 the base was closed and these records went missing. Initially, it was thought they had been sent to HMS Raleigh in Torpoint, Cornwall (which had become the WRNS training base), but sadly these ledgers have never been found.
“My friend and fellow Wren Mandy Powell made it her lockdown project to track them down, but so far they have not come to light. So instead she set up a page on Facebook, asking for ex-Wrens from that period to come forward, as well as name others who were in their division.
“We’re sure that there are many former Wrens in the u3a, and we would love to hear from you. While there is a complete history of World War II Wrens, for those of us who served afterwards we fear it will be as if we never existed.”
If you can assist in this appeal to save the records and history of the WRNS during that period, please email: ddpwrens@ gmail.com
Flying the flags
For the fi rst time this summer, enthusiastic members of White Cliffs Country u3 a joined Deal Pride’s colourful parade through the bustling streets. The coastal Kent town has a large LGBTQ+ community and the march has quickly established itself on the town’s annual calendar since it was established three years ago. “Deal has long been known for its friendliness, and u3a similarly welcomes people of every diversity,” says member Gillian Ashford. “Deal Pride’s atmosphere was so warm and welcoming on the day, and all ages were represented. It made for a truly inclusive event that everyone really enjoyed.”
Penny as Chief Wren in 1971, aged 25
White Cliffs Country u3a stand out with a banner designed by member Carol Fowler complementing the rainbow Pride flag
The festival is coming! Looking ahead
ur inaugural u3a Festival 24 was a fantastic success – and our second one, taking place next summer, promises to be even better!
OFrom 1–3 July 2026, the University of York will be buzzing once again, with u3a members from all over the country coming together for three days of inspiration, involvement and fun.
Festival 26 will offer visitors a brilliantly curated programme with even more opportunities to take part, learn something new and celebrate the creativity and energy of u3a members. Look forward to:
A full programme of talks, lectures, and workshops
Music and performances showcasing the talent of our members
City walks and tours to explore York’s rich heritage
Sporting events and competitions with both ‘come and try’ sessions and knock-out tournaments!
Sharing skills and passions with others. On-site accommodation will be available to book alongside festival tickets. We’re aiming to open bookings in late autumn, so make sure you keep up to date!
So get the date in your diary, start making plans and we’ll see you there!
Stay on track!
Be the first to receive updates and booking alerts by signing up for u3a Festival Updates – here’s how:
Subscribe to the u3a Friends Newsletter: tick ‘Festival Updates’
Festival 24 was a huge success
Festival
24 created memories that will last a lifetime. Festival 26 is set to be even bigger, brighter, and better – we can’t wait to welcome everyone!
Margaret Fiddes, chair of the Festival 26 working group
Savedatethe1-32026July
Check out the festival page at: u3a.org.uk/festival26 For any other information, email festival@u3a.org.uk
Already a subscriber? Simply update your preferences, and you’ll receive an email link to add Festival Updates
Smiles for miles:
High five!
Team u3a takes on the Great
Left to right:
Rik Edwards, Chorleywood u3a; Elizabeth McDonnell, Haslemere & Guildford u3a; Duncan Forsyth, Lymm & Thelwall u3a
North Run
Frances Chater, Rickmansworth u3a
The Great North Run – the biggest half marathon in the world – is always a day of excitement, determination and celebration. This year, five inspirational u3a members proudly took on the challenge to raise money for the Third Age Trust, and to highlight the positive impact u3a has on its members and the wider community.
ha in the wo a e determin celebratio five inspi members on the ch money fo Trust, an on its me wider co
On race volunte the finish at South Shields wit
On race day, volunteers were busy at ields with u3a banners,
Tuning in u3a on air
bunting and leaflets to cheer on runners and spread the word about the u3a movement.
“This is a fantastic opportunity to boost the organisation’s profile,” said Julie Travers, events and fundraising officer. “We’ve loved talking to spectators and sharing how u3a makes a difference to people’s lives.”
As the crowds roared and thousands of runners crossed the finish line, Team u3a came through with happy faces, proud stories and an incredible sense of achievement.
Congratulations to our five runners for going the distance – raising awareness, funds and most importantly, beaming smiles!
Pam Jackson, Cottingham u3a’s secretary, shares a great initiative that has helped to publicise the organisation across the local airwaves
ike most small u3as, we work hard to publicise the great opportunities the organisation can offer to our local community. We’ve done all the usual stuff – posters, flyers, stands at events – but felt we wanted to do more. So we set up a subgroup of our Executive Committee to brainstorm ideas. “Let’s aim high!”
LRadio Humberside, and the latter eventually agreed to give us some airtime!
Nigel Hemstead, Romsey Archway u3a
Karen Baker, chair Lesley Tempest and Karen
I suggested. “Let’s get on the local TV or radio to share what we get up to...”
Our chair Lesley Tempest agreed to contact the local TV network and
ittee to s g dio t u Tem th an
mem their u3a e ve au ce ev he m ut th disc d it gh! get on o to mpest he nd u in five twic Th abou the and
Their popular breakfast show presenter, Kofi Smiles, was duly booked to come along to one of our monthly members’ meetings, and interviewed eight members, plus Lesley, about their u3a experiences. This resulted in five audio clips, which were aired twice every morning for a week!
The mix of members talking about their u3a experiences made the discussions really interesting, and it was lovely to hear heartfelt
comments such as: “The u3a has made my retirement!” As Lesley said in her broadcast: “The u3a is a lot more than just something to do.” It was a really fun, interesting experience, and great to have genuinely positive feedback from Kofi, who said: “It’s a no-brainer to get involved in your local u3a.” It’s a super way to promote what the organisation is all about – we hope it inspires other u3as to get on their local airwaves too!
Hawtree
Best-selling ideas
Read all about it!
How to achieve literary success?
Author Christopher Hammonds, a member of both Harrow and Aylesbury Vale u3as, considers the options...
You may know, or perhaps may not, that I wrote a book called Dodgson’s Dodo. It was published in 2022, and since then I have given three talks: one in the local library (attended by six people, including my partner and her friend); another to a reading group of 12 in a London suburb; and the third as a contribution to an arts and crafts exhibition in my village. This last one had an audience of 20, so things are looking up!
As I have discovered, writing a book is one thing, selling it is quite another. My book has maybe sold a few hundred copies so far: sales may have already peaked, for all I know. The thing is, to sell big time you need one or more of the following: fame, contacts or luck. Of those three, fame is the fastest route to success.
It doesn’t matter where your fame comes from. It can be the result of something you’ve achieved – like breaking a world record or being a successful actor. Notoriety can be just as good. If millions of people know your name, for whatever reason, you can sell your book.
Take Prince Harry, for example. His memoir, Spare, is no literary masterpiece and was actually written by a ghostwriter, but it has sold in the millions. Why? Because Harry is famous. It tells his story –
or those parts his publisher thinks will get people talking. The reader learns, for example, that Harry lost his virginity in a field behind a pub, and that is considered interesting. The fact that I lost my virginity on the back seat of a Vauxhall Velox by the Clifton Suspension Bridge is of no interest to anyone at all, apart from me and possibly the girl I was with...
If you’re famous and you write a book, you’ll be invited on to chat shows, where your book will be held aloft and discussed by the host – in short, promoted. You can then go up and down the country signing copies in dozens of bookshops and at literary festivals, and expect reviews in national newspapers and on social media – and much more besides. If you don’t have the advantage of fame, influential contacts may be your next best bet. Just knowing the ‘right’ people might be enough to provide you with a useful introduction to someone – like an agent! – who can help you to get your book known. And if your work has merit, who knows: it might make that longedfor breakthrough.
I guess, however, the most satisfying way to get your book sold is for it to be a masterpiece and for you to have the luck to get it noticed. If it’s good enough to get on the radar of people who matter, chances are it will take off.
Writing a book is one thing, selling it is quite another
As you will have surmised, I’m not famous, I don’t have any useful contacts, and, unfortunately, I haven’t had a major stroke of luck that could bring my book to the attention of anyone who might positively influence its circulation. And anyway, Dodgson’s Dodo is probably not destined to become a classic of English literature. I, of course, could not possibly comment on its literary merit, if indeed it has any at all. I did my best, I enjoyed writing it and I love the fact that those who have read it seem to have liked it.
I can’t ask for more... although in the unlikely event that I should ever become famous for one reason or another, my book would come as part of the package.
Dodgson’s Dodo by Christopher Hammonds is published by Austin Macauley Publishers and is available on Amazon.
Enhance your wardrobe with pure lambswool, with our £15 OFF exclusive offer. A favourite of our loyal customers, this fine but resilient fibre produces wonderfully soft garments that offer an attractive country look. With 30 years’ experience in luxury knitwear, it’s no surprise that both our classically styled men’s pieces and our layering-friendly ladies pieces look and feel so fabulous. Available in a wide range of melange* and plain colours. Use the code U3A2 when ordering - but be quick, as this offer ends 11th December 2025.
u3a Week
All together now...
u3a Week is an annual celebration of u3as and their vibrant activities. This year the theme was positive ageing – here’s how just a few u3as celebrated
Racing ahead
Chris Howarth, Southport u3a
Our u3a got involved in numerous events to mark u3a Week, raising the organisation’s profile in the process. One stand-out was our involvement in the Southport 24 Hour Race, which saw dinghies from all around the country compete in the endurance yacht race around our seawater lake. Some 40 members were on hand to assist with everything from parking and scoring to supporting IT – and even polishing the silverware – while two hardy members even competed in the race!
On display
Susan Stokes, Barnsley & District u3a Barnsley & District u3a gathered at the
Civic Hall in Barnsley for our special u3a Day Showcase – and what a day it was!
Our very own Concert Party brought the hall to life with music and song, while Thursday Jive soon had everyone up and joining in. Around the room, there were wonderful displays from our groups including art, stitches, languages and jewellery, each showing the talent and creativity within our u3a.
Top that!
Lynne Bergin, Lowestoft u3a For u3a Week, post boxes across Lowestoft sported a colourful new look, thanks to
Positive effects online
During u3a Week, 1,575 members learned something new by attending one of the national online events. Our programme showcased positive ageing in all its forms, including talks from the Centre for Ageing
the talented members of Lowestoft u3a Mixed Crafts group. Each topper had been lovingly designed to represent a different u3a group, from art and history to walking and creative writing. The 17 toppers were on display throughout u3a Week and locals were encouraged to explore the town and see how many they could spot.
Here we are!
Karen Abbott, Elgin & District u3a We kicked off u3a Week with a colourful stand at the entrance of Tesco in Elgin. We spoke to many people and gave out a lot of leaflets and information about our u3a, raising awareness of the benefits of membership.
All welcome here
Joan Williams, Hullbridge u3a
We held a Tea and Chat afternoon. There was a lovely buzz in the room as both familiar faces and new ones came together to share conversation and make some new friends. We especially welcomed those who live alone and just wanted an afternoon out. This was a reminder of how powerful a simple chat can be in lifting spirits and creating community.
Better, plus sessions on gardening, photography and eating well.
One member who attended the Centre for Ageing Better’s talk on combating ageing through their ‘Age without Limits’ campaign noted: “It
was interesting to learn how we can change our way of thinking about ageing, and the difference between ageing and ageism. We learnt how we can benefit from being active and engaged in activities for both mind and body, providing people of this age with the confidence to enjoy the things we want to.”
vicHallinBarnsleyforourspecialu3a
- will you and your loved ones beready?
There are some common misconceptions about the switch to Digital Voice, from who it affects to how difficult the change might be. This can cause unnecessary worry or resistance. To build confidence and encourage action, we want to help by dispelling the most common concerns to bring the truths to life in a relatable way.
Helping is simple. You don’t need to be a tech expert to help – just knowing what’s happening can help reassure a loved one about the change.
MythResponse
“You need broadband in order to keep using your home phone.”
“Home phones won’t work in the event of a power cut.”
“Not sure what’s new or different –what’s the benefit?”
“It’s hard to make the switch to Digital Voice.”
“I need help getting set up, but an engineer visit sounds complicated – I might not book it.”
“BT offers a dedicated landline service for people who don’t have broadband, so no one will be left disconnected.”
“To help you stay connected during a power cut, BT provides battery back-up support. It’s free for those who need it most, and available to purchase for others.”
“Digital Voice comes with helpful features like three-way calling and built-in scam and nuisance call blocking for added peace of mind.”
“For most people, it’s as simple as unplugging your phone from the wall socket and plugging it into your broadband hub. That’s it, and you keep your same number for free.”
“There’s no need to worry. For those that may need extra support BT offers a free engineer visit to make sure everything’s set up correctly and working perfectly. When you’re contacted to confirm or book your engineer visit, please don’t ignore it. You’ll be able to choose a date and time that works best for you.”
To find out more about Digital Voice, including local events, helpful tips and the support available, visit www.bt.com/connected-together or call BT’s customer care team on 0330 1234 150
Discussion point
The changing face of retirement
In this series, we debate the topics that affect the u3a and wider society. Here, CEO Iain Cassidy considers what retirement may mean now – and whether
the organisation is keeping up
ot long ago over coffee with friends, the conversation turned to retirement. “Are you looking forward to it?” someone asked. For a moment, I didn’t quite know how to answer.
NThe truth is, the old idea of retirement – work until 60 or 65, draw a pension and spend days at leisure – no longer fits everyone’s reality. Indeed, in my last column (u3a Matters, Autumn 2025 ), I considered whether the way we view volunteering going forward may need to change, not least because volunteering and retirement often go hand in hand.
That’s because today many of us are working longer, juggling caring responsibilities or still paying off mortgages well into our 70s. Others take mid-career breaks or combine part-time work with volunteering. In this new landscape, retirement feels less like a
single milestone, and more like a shifting, complex transition.
So, the question is: how do we, the u3a, keep pace with this change? Perhaps the key lies not in altering what we stand for, but in how we reach people. Could we become a bridge for younger people who have stepped back or are working reduced hours? Could we be a space where confidence is rebuilt through shared purpose, meaningful friendships and the joy of learning? Exploring these questions challenges us to think about how our model – and the way we deliver it – must evolve to meet the expectations of the next generation.
Of course, being part of the u3a doesn’t take away life’s challenges, but research shows that volunteering and staying active in later life can slow biological ageing. That makes your
Key notes from our AGM
In October, u3a members, trustees and staff gathered at Hinckley Grange Hotel and Spa in Leicestershire for the Third Age Trust’s AGM 2025, with many more members joining online.
Chair Allan Walmsley welcomed Sheila Crawley as vice chair and reflected on the change that has occurred since his appointment at last year’s AGM.
CEO I a in Ca ssidy sh a red a dra ft vision a nd mission for the Trust, emph a sising the need to a d a pt to a ch a nging membership a nd
How can u3a keep up with shifting working practices?
local u3a walking group, language class or book club more than just a pastime – it could be a lifeline. Retirement may be changing shape, but the need for purpose, growth and connection is timeless. And this is where u3a can – and must – play a unique role by helping people both today and tomorrow navigate the tricky waters of later life with optimism and resilience.
How do you think u3a can reach and support this changing demographic? Please email editor@u3a.org.uk and head your email: RETIREMENT
re-a f firming the Trust’s commitment to supporting a positive l ater life for a ll. Council chair Sue Russell reported on the u3a Council’s first year, encouraging members to stand for election in the new year and help shape strategic priorities. Key themes identified this year included improving communication, supporting volunteers, and enhancing digital infrastructure.
With a renewed focus on unity, growth a nd support, the Trust a ims to re a ch 500,000 members by 2028. As
I a in reminded attendees, the u3a movement thrives on joy, le a rning a nd connection, a nd every member pl ays a vita l role in its future.
Chair Allan Walmsley addresses the room
Prize draw
Walk this way
Win a wonderful three-night walking break with HF Holidays
Spend three nights at one of 16 country houses in some of the UK’s most stunning countryside or coastal locations, courtesy of HF Holidays.
As an award-winning British heritage brand and certified B Corp, HF Holidays has been leading the way in walking holidays since 1913. This is your chance to experience everything that makes these breaks so special.
You and your chosen companion will enjoy comfortable en-suite accommodation, a traditional cream
tea on arrival day and delicious dining throughout your stay – from cooked or continental breakfasts each morning to generous packed lunches and freshly prepared three-course dinners in the evening.
The highlight of your stay will be the daily guided walks, led by knowledgeable and experienced leaders. With a choice of routes each day, you can explore at your own pace while discovering the beauty, history and wildlife of your chosen destination.
Closes 31 January 2026. For full terms and conditions and how to enter, simply follow the link hfholidays.co.uk/u3a-prizedraw or scan the QR code
Explore the UK, Europe, and beyond with HF Holidays. From guided walks to challenging hikes, sightseeing tours to special interest breaks, our holidays bring people together of all abilities. Whether you visit with family, friends, or travel solo, discover the joy of walking and share the journey with others. Request your 2026 brochure today
request a brochure, browse our
Derwent Bank nestled in the beautiful Lake District
Discover the benefits
Such good friends!
With u3a’s fabulous Friends Extra, you can enjoy a wealth of exclusive benefits, savings and opportunities
Friends Extra, our exclusive benefits hub, is absolutely packed with fantastic savings and opportunities – whether you’re looking to save on everyday essentials, planning your next big trip or purchase, or simply want to treat yourself.
Get moving for less
Our health section, starting on page 49, looks at some of the ways people around the world stay fit and healthy –and a lot of that comes down to being active! If you feel the need to stretch and strengthen your body, give yourself a special gift with up to 70% savings on sport, fitness and wellness products with MyActiveDiscounts. Or why not take advantage of discounted membership at over 4,000 gyms across the country?
If being in the great outdoors is more your thing, take to the road (or the cycle path) instead – there’s 7% off bikes at Halfords for Friends Extra members. What are you waiting for?
Smart ways to give
This can be an expensive time of year, but our nature-inspired gift guide on page 37 has lots of ideas that won’t break the bank. Not least, Friends Extra has a wealth of affordable options too. There’s 10% off National Book Tokens, and be sure to check out gift cards for a huge range of high street shops, cafes, restaurants and more.
Want something really different? Treat loved ones to a valuable experience rather than a standard gift – think cookery classes, vegan fine dining and
Join today!
eco-friendly getaways with 20% off Virgin Sustainable Experiences.
And don’t forget these...
Take control of your health...Get 40% off home health tests from YorkTest, leading experts in food intolerance and allergy testing
Enjoy family days out... Take advantage of up to 15% off the UK’s top attractions from Merlin Entertainments
Upgrade your laptop... Invest in new kit – there’s 15% off with Acer, or up to 40% off with our member-only offer.
To sign up to u3a Friends Extra, you first need to subscribe to the u3a Friends newsletter at u3a.org.uk/u3a-friends. You will then receive a welcome email with a link to the u3a Friends Extra website, where you can set up an account and get access to a wide range of discounts. If you’re already subscribed, you can sign up to Friends Extra via the link in the next newsletter.
Come shopping!
The u3a Brand Shop is the place to find all the publicity materials your u3a needs to promote the movement in your local area . We’ve updated most assets in recent months – there’s everything from branded lanyards to lapel badges and hi-vis tabards. And do let us know if there are things we can add to support your u3a with recruitment.
The shop also sells the ever-popular u3a diary – make sure you order yours now if you haven’t already! Go to: u3a-shop.co.uk
Holidays designed with you in mind
Here at Saga, we have more than 70 years’ experience designing memorable holidays. Discover a wide range of travel experiences, all created specifically for those over 50.
From relaxing hotel stays to exciting escorted tours and trips just for solo travellers, there’s plenty to choose from. You can even indulge a passion with one of our expert-led special interest itineraries. Book with us and look forward to stress-free planning, superb value for money, and friendly, helpful service from beginning to end.
EXPLORE THE WORLD WITH SAGA HOLIDAYS
Here is just a taste of the holidays available. Visit our website to browse the full range.
Hotel Port Denia
A popular hotel for guests and locals alike
7 nights ALL INCLUSIVE from £675
per person based on two sharing, 4 March 2026.
Including insurance and cancellation cover or a price reduction of £20 if not required§
Jewels of Croatia Northbound
Discover sleepy islands and architectural gems 14 nights from £2,795
per person based on two sharing, 21 September 2026. Including insurance and cancellation cover or a price reduction of £100 if not required.
Walking Madeira’s Levadas
Explore lush valleys and laurel forests
7 nights ALL INCLUSIVE from £1,595
per person based on two sharing, 13 October 2026.
Including insurance and cancellation cover or a price reduction of £20 if not required§
India’s Golden Triangle
Our No.1 tour to India
9 nights from £2,595
per person based on two sharing, 11 April 2026. Including insurance and cancellation cover§ or a price reduction of £120 if not required. ALL HOLIDAYS INCLUDE… Travel insurance and additional cancellation cover§
• Saga Host or Tour Manager • Return international flights with 20kg+ of checked in luggage (varies by airline) • Airport fees, taxes, and charges • All transfers in destination • Meals as specified • A selection of excursions on escorted tours • Nationwide shared chauffeur service included on all escorted tours and hotel stays from April 2026^
livingwell
How to make life simpler, easier – and more enjoyable
For some, living alone brings contentment – but others may fi nd it more challenging
Living solo
Home alone
Whether you’re used to living by yourself, or are suddenly single, being able to manage – let alone thrive – needs a plan
Recent statistics show that last year the number of people over 65 living alone in the UK rose to 4.3 million (in 2014, the figure was 3.5 million). It is attributed to an ageing population, of course, but also an increasing trend: more people in this age group are actively choosing to live alone.
Indeed, it’s true that many who are single recognise there are benefits. To start with, there’s freedom to make decisions entirely based on what you would like to do – from painting a wall the colour you like to eating just what you fancy for breakfast. You can choose! Nevertheless, the challenges that must often be faced are also
real, and for those navigating a new life alone – perhaps struggling with grief, loneliness or anxiety – the benefits of a single status can be hard to fathom.
A lot to consider
Living alone means you must manage household tasks, maintenance and admin you may not always be familiar with, and little problems may become huge causes of worry when faced alone. There may be financial pressures too (see page 34 ).
Not least, there is the responsibility you must take for your physical health and mental wellbeing by recognising when you need help or care – and acting on it.
“The key to living alone successfully is to find a balance,” points out clinical
Temples & Tigers – Exclusively Solos Tour
13 days from £2,595pp £2 ,395pp
Join a small group of like-minded travellers as we explore the classic Golden Triangle cities of Delhi, Agra and Jaipur; plus Amritsar and the Golden Temple; and Ranthambore National Park – home to the majestic Bengal tiger.
Day 1: Depart UK
Depart with Virgin Atlantic from London Heathrow. Regional departures are available on selected dates with Emirates or Qatar Airways.
Days 2-3: Delhi
Experience the best of old and modern Delhi, visiting Lotus Temple, Parliament House, Red Fort and Jama Masjid. Enjoy a rickshaw ride through the markets of Chandi Chowk.
Days 4-5: Amritsar Tour Highlight
A rail journey aboard the Shatabdi Express takes us to Amritsar, where we explore the breathtaking Golden Temple and witness the sacred Palki Sahib ceremony. We also visit the Partition Museum, and later on, enjoy mouthwatering Punjabi dishes
Days 6-8: Jaipur & Amber Fort
Explore the opulent ‘Pink City’, including City Palace, Jantar Mantar and Hawa Mahal, plus enjoy a unique cookery demonstration in a Rajasthani family home. The UNESCO World Heritage Site of Amber Fort is a true highlight of Jaipur, set amidst dramatic pink hills.
Days 9-10: Ranthambore National Park
Ranthambore National Park is the former private hunting ground of India’s Maharaja and is famed for its majestic and elusive Bengal tigers. The park is inhabited by marsh crocodiles, sloth bears, monkeys, leopards and over 250 bird species. We go in search of the incredible wildlife during two safaris
Days 11-12: Agra & The Taj Mahal Tour Highlight En route to Agra, we stop at Chand Baori –a 13-storey, 1,300-year-old stepwell, constructed with mind-blowing geometry and aesthetics. At sunrise the following morning, we see India’s most iconic attraction, the Taj Mahal Day 13: Delhi – UK
After 13 amazing days discovering India, we depart Delhi for our flight back to the UK
Meticulously
Freedom to explore
Once in a lifetime experiences
Expert Tour Managers
100% ATOL Protection
Rated 4.8/5 on Feefo
Guaranteed Price Promise
Exclusively Solos Brochure
Featuring a selection of Exclusively Solos escorted touring holidays, with NO single supplement, to India, Sri Lanka, Japan, China, Vietnam & Cambodia, and Australia.
psychologist Linda Blair (lindablair. co.uk). “You must weigh up living as you may want to, versus how much support you need – or perhaps are going to need one day – and how much you’re prepared to compromise on that.”
Negotiating all of this can be difficult, but taking a measured approach to living a single life that feels manageable and comfortable is possible – and can bring with it increased confidence, resilience and self-reliance. “At this stage of life, there is comfort in knowing yourself, and having the wisdom that comes with the years,” says Linda. “That can be very empowering when you are on your own.”
Single steps
Manage life well on your own
Recognise your worth
If you spend a lot of time by yourself, it can be all too easy to sidestep certain activities or habits that make everyday life more pleasant. “When I was first on my own after getting divorced, I adopted a sort of ‘why bother if it’s just me?’ attitude,” admits u3a member Mary.* “It took a long time to realise that taking the time to make myself a nice meal from scratch, or treating myself to an occasional bunch of flowers, would make my home a much nicer place to be, and help me feel more positive too.”
Look after yourself
Similarly, not bothering much with self-care or your appearance because ‘it’s only me living here’ is a slippery slope: make an effort, however small, every day. You’ll always feel better for it.
“Little habits will give your day structure and worth too,” advises Linda. “Maybe start the morning with a few stretches or simple exercises, and go from there.”
Be sure to eat well, get enough rest and get outside if you can – even a daily walk around the block will be hugely beneficial. Do things you enjoy too, be it a creative hobby or studying a subject that has always interested you. “Stay curious,” says Linda. “Aim to learn something new every day.”
Give yourself a break
“My friends kept telling me I was doing ‘really well’ after I lost my wife three years ago, which made me feel I had to keep putting a brave face on it,” says u3a member Brian.* “Inside, I was paralysed with grief, and managing even the smallest tasks felt overwhelming. I eventually plucked up the courage to get some counselling, which really helped me.
“Then I joined a local cookery class where I learned to master the basics, having never cooked properly before. Now I’ve joined a u3a pilates group, which – surprisingly – I love! I am finally starting to find purpose again.”
Smart moves
1
Feel safe. You will be more relaxed home alone if you know your property is secure – from smart locks for doors and windows to security lighting and video doorbells. Consider vulnerable areas around your property that would allow intruders easy or inconspicuous access. If you’re going away, ask someone to keep an eye on your property, and use timers for lighting.
2 Take precautions. If you’re nervous about being alone without anyone around to check you’re OK, consider a personal alarm system (such as careline.co.uk). These security lanyard or wristbands can be used to detect falls and for emergency calls. It can also be reassuring to arrange for someone to check in briefl y every day, or you could give someone ‘three rings’ at a
Eating well is key to good self-care
“Grief is a natural response to loss, and doesn’t have a specific timeline,” says Linda. “Don’t feel you have to respond in a certain way when people tell you you’re doing well. Say instead: ‘I’m doing the best I can’, which changes the language and emphasis.”
Stay sociable
Make the most of your u3a and all it can offer! Numerous studies emphasise the importance of connecting with others to nurture a sense of wellbeing. Interacting with those that share aims and interests brings so many benefits – from stimulating your mind to ensuring you stay engaged in the world around you.
“Whether you share a passion or discover something new with other people, or you choose to volunteer, getting involved and being part of a social group is not only satisfying, it can stop you feeling isolated,” says Linda.
specified time to let them know you’re fine.
3 Consider the future. Whether it’s to cut household costs, be closer to family and friends, live within a residential community or be nearer amenities, it might be time to consider a new home. But don’t rush, particularly if you are newly single: spend time adapting to your solo life a little first.
“And if there are special times when you are concerned about being alone –such as Christmas – why not take the bull by the horns and ask someone else on their own to join you?”
Value the solitude
Not least, but most importantly, time alone can bring space to stop and reflect on life without interruption. Many find being alone an opportunity for deep selfdiscovery and an understanding of life that is valuable and enlightening.
Single savings
Reviewing your outgoings and entitlements can be beneficial
Living alone is not cheap: rising energy bills, food inflation and everyday outgoings puts a lot of pressure on single households. Then there are the fixed costs for everything from the TV licence to broadband, and standing charges for utilities – all of which are the same, regardless of whether you are living alone or not. Check these quick tips to ensure you are not missing a trick to budget more economically:
Feel in control:
Create a detailed budget that lists everything from fixed costs to weekly or monthly household spending and annual outgoings, and consider how you can build in an ‘emergency’ fund. Diligently tracking what you spend – via a budgeting app or simply a notebook –and reviewing it regularly may quickly show where costs can be cut too.
Council tax: If you’re recently single and dealing with endless admin, it can be easy to overlook entitlements such as this. Living alone qualifies you for a 25% single-person council tax discount.
If you’re on a low income or benefits, Council Tax Reduction can cut bills by up to 100%. Contact your local authority to apply.
Energy efficiency: Small changes, big savings. Draught-proof doors and windows, bleed radiators and switch appliances off at the plug. A heated throw costs pennies per hour compared to heating the house, potentially saving hundreds annually. And don’t forget to turn appliances off at the mains when you are not using them as this eliminates ‘standby power’ and can potentially reduce your electricity bill.
Unclaimed benefits: You may be missing out. Use the free Benefits Calculator from Turn2us (turn2us.org.uk) or contact Citizens Advice (citizensadvice.org.uk) to check eligibility for Pension Credit, Attendance Allowance or Housing Benefit. Pension Credit unlocks other support, including a free TV licence.
Insurance renewals: Never auto-renew. Set reminders a month before renewals and compare quotes. Insurers reserve the best deals for new customers, so switching or negotiating can yield significant savings.
Direct debit discounts: Pay bills by direct debit if possible, especially as utility companies and councils often offer discounts. It also prevents late payment fees and ensures you never miss a payment that could affect your credit rating.
Savings and switching: Services such as Look After My Bills (switchmyenergy. com) automatically switch you to more favourable utility tariffs. Set up a standing order to move even £20 monthly to a savings account – that’s £240 saved over a year and a great building block.
Senior discounts: Claim your free prescriptions, eye tests and bus pass. Many retailers offer senior discount days, while councils provide free services
including home safety checks, insulation grants and handyperson schemes.
Emergency financial help: Contact your local authority about Local Welfare Assistance or Discretionary Housing Payments. Turn2us, Age UK and utility company hardship funds offer support during crises.
Batch cooking: Your freezer is your friend. Cook larger portions of everything from soups to casseroles and freeze in single servings. You’ll reduce waste, avoid pricier convenience foods and run your oven less frequently.
Smart food shopping: Plan, list, save. Meal planning prevents waste and impulse purchases. Shop late afternoon for reductions, choose own-brand products and join loyalty schemes to avoid paying over the odds for everyday items.
The envelope budgeting method: A very simple way to manage small, everyday expenditure: divide cash into envelopes for different expenses. When an envelope empties, spending stops until next month. Physical cash creates spending awareness that cards don’t.
Batch cooking is a great way to fill your freezer economically
Don’t miss out on free medical checks
‘Positive
ageing demands taking risks’ Insight
Rosie Ross, of Lancaster and Morecambe u3a, describes the value of risk in her life-changing experiment
Idon’t want to wake up at 75 and wonder where the last 10 years have gone, I thought when I was 65. Motivated by restlessness and discontent, I knew I needed to find a new way forward. I was single, had no dependants and was in good health, so what was there to stop me? Nothing! Determined to seek some answers, I sold my home, stored what remained and, in 2017, I went travelling around the world. My adventure led to some exciting – and sometimes daunting – thoughts along the way, and since returning and settling into my new home four years ago, I have reflected a great deal on my experience. What I have realised is that, for me, embracing risk was crucial for planning and deepening my whole experience – and that positive ageing, in general, demands it.
The writer TS Eliot said: “Only those who will risk going too far can possibly find out how far they can go.” I couldn’t agree more! Furthermore, I believe risk is impossible to avoid. For example, leaving the apparent safety of home requires risk assessment as we step out into traffic. But remaining at home in order to ‘stay safe’ risks our mental health with the danger of retreating into mindless routines and infrequent connection with others – and the increased possibility of domestic accidents.
So, risk is present whatever we choose to do, and new situations require
new risk assessments. Regarding positive ageing, I believe it is important to recognise and challenge any tendency to stagnate, and to embrace wholeheartedly what is new. I claim no expertise regarding positive ageing or risk management, of course – but perhaps my own experiences will stimulate thought.
I believe it is important to embrace wholeheartedly what is new
My decision to travel the world in my late 60s certainly involved risk. “What if you’re ill?” people said. “Isn’t it dangerous to go off on your own like that? Won’t you be lonely?” Their unspoken message was “You’re mad – don’t do it!” Yes, I was ill for two weeks with a chest infection –so I slowed down and allowed myself to recover. Yes, I may have been in danger occasionally: finding myself alone in a B&B in French Polynesia with two scary pitbull terriers, I moved to different accommodation. And yes, I was lonely when, holed up alone in a New Zealand
motel for several days, I resigned myself to waiting for the rain to stop – but I spent the time messaging friends, reading and making further travel plans.
I survived these situations and am glad some overly protective friends hadn’t destroyed my confidence. Illness and loneliness were risks I had previously considered. The pitbull terrier experience was a shock, but it proved to me that it is impossible to plan for every eventuality. But I managed to stay safe, and I joyfully remember my travels. For me, all new experiences require risk assessment – whether systematic or intuitive. I find that addressing risk head-on can alleviate the stress of a new venture and generate new ideas –especially when one has a ‘Plan B’ ready, just in case. Managing risk sometimes causes me to compromise on my ideals, while at other times intuitively I just have to go for it. Risk is omnipresent – let’s celebrate its contribution to positive ageing!
Rosie’s Back Home! Positive ageing for a restless spirit by Rosie Ross is published by Rowa nva le
New Dark Cherry Nubuck/Suede
2026-2027 RHINE RIVER JOURNEYS
Rhine Getaway
Basel to Amsterdam
8 days, 6 guided tours
A Viking river journey is like no other. Sail into the heart of your destination on our intimate river vessels which have all the amenities of an elegant boutique hotel, including an unparalleled choice of all-outside staterooms, expansive views from floor-to-ceiling windows and al fresco dining. Thoughtful service ensures you feel like one of the Viking family. Included excursions provide an overview of must-see cultural and historic highlights. And you can trust that your Viking river voyage is a great-value package, with everything you need included. Start planning your journey today.
Departing March-November 2026; March-November 2027
Prices from £1,695pp
Rhine & Moselle Discovery
Trier to Basel
8 days, 6 guided tours
Departing March-November 2026; March-November 2027
Prices from £2,395pp
A Tale of Three Rivers
Bamberg to Trier
8 days, 6 guided tours
Departing March-November 2026; March-November 2027
Prices from £2,195pp