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
Getty
Teide National Park, Tenerife at sunset with a view out over the water
Win a Saga cruise to the Canaries and Casablanca

Your chance to win cruise for two to Cádiz, Casablanca and the Canary Islands, worth more than £9,600.