I recently passed into a new decade. With this passing has come some rather surprising advantages, most of which are of a financial nature. My Senior Railcard, which costs £18 a year and gives me a discount on all trains, has already paid for itself handsomely. I would not have done anything about getting one had I not received a letter from the government telling me that I was entitled to it and also to a cash sum to help me with my heating bills during the winter.

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