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28.01.2010

老後はどこに住みますか?-2


前回に引き続き、川崎市の講座の内容から、
老後の住まいについてまとめていきます。

。。。。。。。。。。。。。。。。。。。。。。。。。。。。。。。。。


Q.老後はどこに住みますか?

この質問に対しての答え、

・ 現在の住まい(自宅)に住み続ける という選択と
・ 住み替える  という選択。

今回は、住み替える場合の注意点をまとめます。

住み替えのために、まず考えなければならないのは次の3点です。

目的・時期・予算

<目的> これは、住み替える理由と言いかえる事もできるでしょう。

例えば、

一人暮らしの不安を解消したい
倒れたときなどの緊急時に対応してもらいたい
防犯上の不安を解消したい(悪徳商法の被害者は一人暮らしのシニアが多い)
将来の介護に備えたい
家の管理が面倒になった(一軒家は特に)
家事から解放されたい
サークル活動などで人との交流を楽しみたい
医療ケアやリハビリを受けたい  等々


一人暮らしでの不安は、介護への不安が多いのではと思われますが、実際
住み替えした人を見てみると、住み替えを考える時期はだいたい80歳ぐらい、
ひとり暮らしや子どもがいないご夫婦だと、もう少し早いようです。


<時期>
すぐにでも
いずれ近いうちに
介護が必要になったら 等々

注意すべきは、住み替えとは、つまり引越しするということ。
そのため、当然ながら体力や気力、適切な判断力等が必要になります。
そういったものが衰えないうちに実行することが重要となるでしょう。

 
<予算>
入念な資金計画が絶対条件。
途中でお金が足りなくなったからといって、若い頃のように、働いて資金を
確保するというわけにいかなくなります。

また、お金のことは思った以上にストレスになるもの。体調にも影響しかねません。
面倒がらずに綿密な計画を立ててください。

3回目となる次回は、具体的な資金計画の立て方や施設の選び方などの
情報をお伝えします。

|

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