
When we were initially considering coming to live in Spain there were of course numerous questions that needed to be answered, before we made the ultimate decision to take the plunge, although it wasn’t a dive into the complete unknown, we had after all owned our ‘bolt hole’ here since 2015 and spent two ninety-day periods each year living here for the last few year’s. The biggest question for us was undoubtedly the financial aspects, for we knew that we would be dependent solely on our pensions as our only sources of income, with no absolute guarantee of the amount of annual increases we would get on them, but knew that the annual costs of living would also more than likely outstrip any such increase, year on year, so we had to look into the future and not just the present. We also needed to confirm the Tax situation and just how the ‘No Double Taxation’ Agreement, between the UK and Spain, actually worked and, as we were to discover, whilst the UK Government do not ‘Directly at least’ take any tax on our State Pensions, the Spanish Tax Authority do, as it does not fall under the ‘No Double Taxation Agreement’, although you can claim it back off the UK Tax Authority retrospectively, but it is not a straightforward process. We already had a pretty accurate idea on the general everyday costs of living in Spain, although there were some things that we knew would change if we were to live in Spain permanently but, fortunately, for us, they happened to be to our financial advantage, the biggest savings being on no longer having to pay for two return ferry crossings each year, and the reduced cost on the amount of fuel (Diesel) that we used, not having the costs associated to owning two vehicles (Insurance, Tax and Annual Servicing), we would no longer have to pay the Annual ‘Property Tax’ that holiday home owner’s had to pay in Spain, and some other minor cost savings, but it all added up to being much more economical to live permanently here in Spain than it did to live in the UK.
Okay, so my regular reader’s already know most of this already, as I have mentioned it before, in much more detail, in previous rambles, and I will be doing a ‘Cost of Living’ breakdown for our first ‘full year’ here in Spain in a future ramble, for those that may require a little more meat on the bone. However, forgetting the important financial aspects, there were two other considerations, one was whether or not we wanted to make this our ‘forever’ home and spend our ‘Twilight Year’s’ here, I rather like that terminology, it sounds so much better than ‘Old Age’, or, would we discover that Spain wasn’t all it was cracked up to be and decided that we didn’t actually want to live here permanently, perhaps choosing to re-locate somewhere else within Europe, or even return permanently and live out those ‘Twilight Year’s’ back in the UK 🤔 The other consideration, and a less savoury topic, should we decide to make this our ‘forever’ home, was the fact that in all likelihood, one of us would pass away before the other, all things being equal that would probably be me due to the age difference between the two of us, although that wasn’t necessarily the only determining factor, so, apart from the more practical issues that came with that, such as funeral arrangements and burials, which is a little different here in Spain, but what would it be like, for either one of us, if, or more likely, when, we found ourselves living here alone 🥺
Now initially, it was difficult to answer some of those questions, in particular the one about living here alone so, Shazza and I just agreed that, if at any point in our lives here, wether that be just due to no longer being happy here, or due to ill health, and we wanted to return to the UK, that we would both return together with no if’s, but’s or maybe’s. Obviously, at this point in our lives, we could not know with any certainty, just how either of us would feel, in the future, when one of us had passed away, and it wasn’t a subject that either of us, at this stage at least, wanted to dwell upon too much, especially as we are both relatively fit and healthy with no pre-existing ‘serious’ medical conditions or mobility issues, that said, it is a subject that we have both discussed quite openly with each other and, for the time being at least, both of us agree that neither of us have a ‘Fear Of Growing Old In Spain’.

Now there are lots of things that both Shazza and I absolutely love about living here in Spain, not just Spain per se, but our particular location in this particular part of the country. Of course in top spot on the list of things we love is the ‘generally’ good all year round temperate climate, which I have to say is probably the best part of living here in this part of Spain, albeit that it does suffer with occasional weather extremes like Floods, Wildfires and even Earthquakes. You are of course already aware of how badly several areas of Spain have been hit with severe flooding and the resulting catastrophic consequences, and now we have received advanced warning, from the National State Weather Agency, of another similar ‘DANA’ weather event fast approaching Spain, with another four days of anticipated heavy rainfall 😲 Additionally, over the last two weekends, our own Province of Malaga has suffered ‘minor’ Earthquakes, fortunately with no fatalities or structural damage, but these are becoming more frequent.


Not wanting to sound as if I am downplaying such events, but Spain is not the only country to suffer these kind of things, so we do have to put it into some sort of perspective and Shazza and I often ask ourselves the question, is there anywhere, in the World, let alone Europe, that is completely safe from, either extreme weather events, or indeed undesirable issues that are created by us humans, such as Crime, Violence, Political Unrest, Armed Conflicts etc 🤷♂️
However, I am once again beginning to digress from my intended subject for this particular ramble, ‘The fear of growing old in Spain’. Now it may also seem to you my reader’s to be a bit of a strange topic for me to be writing about, far away from my normal lifestyle ramble topics, but there are generally good reasons that dictate why I write specifically about some of the things that I do, and this is no exception. Some of you may think that this is due to the catastrophic events that occurred recently in Valencia, the fatalities and people still missing, and who knows, that may have been laying there somewhere in the dark recesses of my subconscious, but no, the answer is far simpler than that, it was all due to an article that I read in a local media publication, not directed at foreign residents in particular, more the general feeling of fear that ‘some’ people may have about growing old.

It was basically an article where a journalist conducted an interview with a female Psychologist on growing older, not that her gender had anything to do with it, this subject interested me and after reading it, subsequently prompted another deep and meaningful discussion between Shazza and myself 🤭 Once again, I am not going to re-print the whole article but to give you a flavour here are two key elements of the interview taken from that article.


The other reason that I have decided to choose this particular subject to write about is, I know that I have reader’s who only started to follow my ramblings when we applied for our Non-Lucrative Visa, who intended, or were interested, in doing a similar thing and remained interested in what it was like actually living here on a permanent basis. One of the many things that may deter people, of a certain age group, from actually taking that leap, is a fear of growing older in an unfamiliar country, so I hope that this ramble may stimulate them to think about it, and it may, or then again, may not, alleviate some of the doubts they may have, or indeed confirm in their own minds that this would be a reason for them choosing not to make that lifestyle change. I am writing it from a purely personal perspective, so the kind of things that Shazza and I sometimes discuss and our own personal perspectives on facing our ‘Twilight Years’ here in Spain but also, just some of the things that I tend to mull over, generally during the quieter late night hours whilst sat alone on my balcony, seemingly just gazing out upon the black abyss, but in reality the cogs in my brain are spinning whilst I have silent conversations, sometimes even debates, with myself.
So the cogs started churning and, after reading the contents of this article in full, it initially raised another question in my mind ? ‘At what point in our lives do we actually change from being considered as ‘middle aged’, to then be considered as being in our ‘Old Age’ and, who the bloody hell actually makes that decision 🤔’ Although some of you may say to me, Eric, it commences when you have to start to ask that very question in the first place 😲
As for myself, after just very recently celebrating my 68th birthday, although I am not sure that the word ‘celebrating’ is factually correct, more just a case of gratefully acknowledging that Shazza remembered and then swiftly moving on to treating it as just another day. I do have to say though, that I certainly still do not feel anywhere near being that age, in fact, if it were not for the date on my birth certificate confirming the year of my birth, then I would say that I feel ‘at least’ ten year’s younger, if not a bit younger, just a pity I suppose that the mirror in the bathroom doesn’t reflect that, so I may just elect to do without a mirror if, and when, we choose to do our en-suite bathroom upgrade 😂
Of course, as I am sure you will expect from me by now, I do also have my own personal philosophy on this subject, and that is that age is just a number at the end of the day, a number that quite simply defines how long, each of us, as individuals, have actually spent living on this earth since the day we were brought into it, how long we continue to live is determined by many other factors, some within our control, other’s perhaps not so. But, other than possibly ‘personally’ marking the anniversary of that day on an annual basis, that number appears to be more relevant to other’s, rather than ourselves, and is something that is used by other’s, to mark certain events or points in our live’s, for example, the age when we start and finish school, when we become ‘legally’ responsible for our own actions, when we can cast our own vote in Parliamentary or Local Government Elections, when we can obtain a ‘full’ drivers licence, open a Bank Account or obtain Credit Cards or enter into Loan Agreements, more importantly the age when we have to start paying Income Tax on our earnings, and paying contributions into Social Services, and then, much later in life, when we can ‘officially’ stop working and are entitled to receive a State Pension etc. etc. etc. the list goes on and on, so it appears to me that that number is much more important to some other’s, more so than ourselves. But, having thought about that, it prompted me to ask myself another question, which meant that it was going to be a long night 🙄
Does reaching the official retirement age, at whatever age you reach it, because that age can differ on several factors, wether you are male or female or even what country you live, but irrespective of those things, does reaching the official retirement age automatically move you out of the category where, up until that point, you were considered as being ‘Middle Aged’ but on attaining that ‘official’ retirement age, then moves you unceremoniously into the category where you are then considered as being of ‘Old Age’ 🤔 So, is it actually the Government that decides when you are considered to be an ‘Old Person’, I actually, for once, cannot put the blame for that on their shoulders and I will tell you why.
I remember an occasion, just after I had turned 60 years of age, going in to a Chemist in the UK to get a prescription filled for something or other, I got my wallet out, ready to pay the usual prescription charge, and was informed that there was ‘no charge’ now that I was 60 years of age. Now of course, me being me, I was very happy at the news, as I have always liked the word ‘Free’, although I was quite surprised as I obviously wasn’t, at that time, at Retirement age or in receipt of a State Pension, indeed I was still some 6 year’s from that point in my life ? However, I didn’t question it, you don’t look a gift horse in the mouth now, do you ? But was I now getting ‘free’ prescriptions because, at the age of 60, I was now, in the opinion of the NHS, considered to be an ‘old’ person 🤔
Another thing I began to notice as soon as I reached that magic number of 60, suddenly I started to be constantly inundated with completely unsolicited letters, and leaflets, encouraging me to take out Life Insurance Policies for the over 60’s, in order to provide financial security for the loved one’s that I would leave behind 😲 ‘Leave Behind’ I thought to myself, but I hadn’t made any plans to go on any trips, had they got me mixed up with somebody else ? Not only that, and probably more importantly, who had told these people who I was, how old I was, and provided them with my contact address, could this be considered as a Data Breach ? could I sue someone and add to my pension savings pot 🤗
Bit it didn’t stop there, after continuously receiving these unsolicited communications for a further period of five year’s and, quite literally just after celebrating my 65th birthday, in addition to all of the other leaflets, I then started to be inundated with further unsolicited Leaflets, Emails and even Advertisements on my social media accounts, about Funeral and Crematorium Plans ⚰️💀

‘Come on’ I thought to myself, I am only 65 years old for goodness sake, fit, healthy and in the prime of my life. But it didn’t stop there either, even though I was still one year away from the ‘official’ retirement age, and still not in receipt of my State Pension, once I hit that magic ‘65’ number, letters from the National Health Service (NHS) started to drop on the doormat, they apparently having made pre-designated appointments for me to attend something called a ‘Well Mans Clinic’, for ‘blood tests’, ‘cardiograms’, ‘diabetic checks’, ‘blood pressure’ and a whole host of rather nasty sounding checks where they would insert ‘objects’ internally into some rather personally sensitive areas of my body 😲 Now up until that point in my life, I had never even heard of a ‘Well Mans Clinic’, but you know what the scariest bit was ? Here they were, a whole host of faceless people, trying to sell me age related Insurance Policies, Funeral and Cremation Plans and, what I suspected to be the NHS looking for serviceable parts of my anatomy to harvest when I gasped my last breath, and attempting to brainwash me into the belief that, at only 65 years of age, I was just about ready for the knacker’s yard and ready for departing this world.
But was this the actual point whereby even the National Health Authorities were telling me that I was of an age where, officially, I was now also classed, not just as being ‘Old’ but also in the ‘Vulnerable’ category 😲 Because now I was apparently also entitled to ‘Free’ Flu and Covid Booster Vaccinations. Well I can tell you now for nothing, even though I generally like the word ‘Free’, this was one particular gratis service that I was more than happy to decline.
At one of these ‘Well Mans Clinics’ appointments, that I did decide to attend, but more out of curiosity than being worried about my health, I asked the question, “What is in this flu jab that I keep being offered”, of one of the nurses, “A combination of ‘Three’ of the most common and virulent strains of the Flu virus” she said, in quite a matter of fact sort of way. I was shocked and stunned, they actually wanted me to willingly let them inject into my body, three different ‘active’ flu viruses, in order to ‘try’ to prevent me from getting a Flu virus 🤔 “But what if I get infected with a different strain of flu virus” I asked, “Then, unfortunately, you are more likely going to suffer with the flu” she replied 😲 She then went on to ask wether I had received that year’s flu vaccination and, if not, would I like to have it whilst I was there !! Needless to say, I told her, very politely of course, where she could stick her combined Flu and Covid Booster jab, and that it certainly would not be in me.
So, I have come to the conclusion that, when we reach the age of 60 years, irrespective of our individual health and fitness, the ‘System’ has already decided that we are considered to be ‘Old’ and on the slippery slope. However, if you are lucky enough to survive for another 5 years, much to their disdain I would imagine, then, at the ripe old age of only 65 years, you become, not just ‘Old’, but also ‘Vulnerable’, even though I still had one year to go until I could officially retire and claim my State Pension, it didn’t take me too long to work out who would benefit the most if I were not to reach Pension Age 🙄 So I guess, upon reaching the ripe old age of 65 years it is then just a matter of time, as to how much longer you will survive, especially after having being vaccinated with lots of active viruses to help you on your way, which prompts yet another question, just how long does it normally take to research and discover a new vaccine, how long does it usually take to test them, then get them approved by an ‘Independent Regulatory Authority’ before distributing them as fit for use on humans 🤔 So just how quickly did it take to produce the Covid Vaccine 🤔 Fertile grounds here for me to present a ‘Conspiracy Theory’ I think, not that I am going to, there are plenty of other’s out there, including scientist’s, who are already vocalising their own concerns on this very subject, so I am not going to join that long list. I am not an Anti-Vaxxer, as I do realise that, historically speaking, some vaccines have proven to be global life savers, although I do have to say that I will continue to have my own personal doubts on the mass initial Covid Vaccination Programme, but of course I will reserve judgement on the long term health and safety attributes, or dangers 🤔 Why do I continue to see and read about so many people who are suddenly getting illnesses that they have never suffered with before, and only since being administered with the Covid Vaccine, or dying of things where there is no genetic history, can all of these be just coincidental 🤷♂️
However, this ‘Old Age’ brainwashing continued, even when we moved across to living in Spain, for when we first obtained our residency permits here, shortly after registering with our local health clinic, I received an unexpected phone call at home, from my ‘assigned’ practitioner nurse at our local health centre, after the usual brief pleasantries, and in perfect English, “Are you feeling well today ?” She asked, “Yes” I replied, “How are you feeling”, I responded out of politeness , but she didn’t provide an answer, she just asked another question, “Do you live with someone who can take care of you if you are unwell ?” she asked, “Yes” I again responded, but in truth I was getting a little worried at this point, I mean what did she know that perhaps I didn’t 😲 Now of course, and in all seriousness, it was of course nice to know that someone from my local health centre was acknowledging that I was on their books and was checking up on me, even though I was a recent new Immigrant into their country, a ‘Legal’ one, but then why has Shazza never received such a telephone call, do they not care about her 🤔 Or were they too considering me as being old, possibly even vulnerable ? Because not long afterwards, I received a letter of invitation to go for an annual Covid Booster vaccination, but again, Shazza didn’t 🤔 I of course refused their generous offer. But now, one year on and having recently celebrated yet another birthday, and 8 years further on from the age where all this ‘Old’ question started, should I be seriously worried 😲 To be perfectly honest with you, I am just waiting for the knock on the door from the undertaker, wanting to measure me up for my coffin 😂 But now at least, I can be thankful for each and every day that I do actually wake up in the morning, in my bed and not sat on a cloud playing a Harp 😂

Okay, I know, I sort of digressed a little bit, again, but it bore a little bit of relevance to the main subject of this ramble, didn’t it 🤔
Shazza and I have already had discussions about the aspects of the both of us growing older over here in Spain and what, due to the age difference, the limitations that that ‘may’ bring, as to what we want to do, or indeed what we will be capable of doing, as the year’s pass us by. Like an ageing vehicle, which can of course last for very many year’s beyond its anticipated normal life expectancy, even with regular maintenance, care and attention, eventually the parts do still wear out and replacements no longer become available. Well we are under no illusions that the same principle applies to the human body, no matter how well you look after it, eventually it just ages and the parts wears out, and with their currently at least, being no confirmed, medically tested and approved, anti-ageing remedies, no ladies, not even your re-vitalist face creams or body lotions 🤭 eventually the body stops working effectively, then ultimately it stops working altogether. So we are certainly under no illusions, we can keep eating a healthy diet, we can keep maintaining our mobility and general health, but we cannot prevent the ageing process so at some point our bodies will become worn out, and that is the realistic facet of life.
It is not a discussion that we actually shy away from, and we have had the discussions on whether either of us would want to remain here when, one or the other of us, does in fact pass away. I understand that to some reading this, that may sound a bit morbid, but we don’t view it that way, in fact we believe that it is a sensible discussion for couples, of a certain age group, to have, sooner rather than later, rather than keep kicking that particular can down the road, as that road continues to get shorter as each year passes, irrespective of one’s health, fitness and mobility.
Neither of us actually see any practical differences in wether we live out our ‘Twilight Years’ here in Spain, or in the UK, other than in the UK being much closer to family that is, although our immediate family members are spread out, either in other countries across the globe or indeed even internally within the UK. Here in Spain we are settled, we know where everything is that we need, the local walks, the Cafe/Bars and Restaurants, Shops, Bank, Post Office, Health Centre, Fuel Station and Car Wash etc. In fact everything that we require in our normal every day lives in which to live a comfortable existence, whether that be now, as a couple, or in the future when we are not. We also have our home, with everything that is familiar to us, we both know how things work, the appliances, where the fuse box is located, the water isolation valve etc and we feel very secure. We know our neighbour’s within our community, some obviously better than other’s and, albeit we are a multi-national bunch, they all fortunately speak English, should we require their assistance. Would we feel comfortable going to the places that we frequent now, but on our own, for coffee, Lunch or even Dinner, of course the memories we would have of frequenting those places together, could initially cause us some pain, but given time that pain would ease but, the main point is, would we feel comfortable living here without each other when that time eventually arrives, we both believe that practically speaking we could, but in reality, well we wouldn’t really know until that time arrives 🤷♂️ But we both agreed that it would be much the same wherever we were living which includes the UK.
So, although we certainly have no ‘Fear Of Growing Old In Spain’, whilst we remain fit and healthy, the other question we have to confront is, would we want to remain here if we became less fit and healthy and reliant on the Spanish Medical and Social Care facilities ? As far as the medical facilities are concerned, whether that be our local Health Centre or the Hospital facilities, we certainly have no concerns whatsoever, the standard of care that we have so far experienced is, or should I say that I have experienced, as Shazza has not as yet had cause to require those services, are in my personal opinion, exceptionally good. But their are some disadvantages, Spain has no similar ‘Public’ social care services, as in ‘Home Help’, as there are in the UK, and the same applies for public locally funded ‘Nursing and Care Homes’, so if you need assistance at home, you have to pay for a private service, and the same for Care Homes, both of which are limited in their availability, and where they are available, they are very expensive. The advantage for Spanish citizens is that they have families who look after them, as in a lot of other countries, so they become their carers for as long as is required, we would not have that luxury 🤔 However, on a more optimistic note, who is to say that either of us would suffer any illness, or would become immobile to the extent where we needed support, I for one plan, when the time comes, to go to bed one night and just wake up sat on a cloud playing my Harp, waiting for Shazza to join me, blowing her own trumpet 😂😂
So, as is becoming more frequent these days, another long winded ramble from me 😮💨 I have tried to lighten the content with some tongue in cheek comments, however, there are obviously some more serious aspects that do need some consideration before choosing to live your ‘Twighlight Years’ in a foreign country. Shazza and I do generally live by the philosophy that age is actually just a number, living life to the full is more about how well you keep your body in good health, but neither is it specifically about a ‘healthy diet’, although knowing what is better for you, and what your body requirements actually are, can be extremely advantageous, but it won’t prevent you ageing or from the parts eventually wearing out. Maintaining a decent degree of mobility is also important, but as you age, so too is being careful in not putting too many demands and strains on it, whilst the adage of ‘Use it or lose it’ is a good motivator, so too is ‘Everything in moderation’, it’s a matter of finding the right balance and to a certain degree, just plain old luck, that the ‘Dark Forces’ don’t come and hit you with any unanticipated surprises 😉
Personally speaking, I am just glad that at the moment I still feel ‘Middle Aged’, and glad that I have not, as yet, reached that ‘Old and Vulnerable’ stage in my life, even if there may be ‘others’ out there, including the bathroom mirror, trying to convince me otherwise 😂
Until the next time, stay fit and healthy my friends …………….
Hasta Luego mi Amigos, La Vida es Buena

































































































































































