532 a year.Filling their new-found spare time with hobbies and activities, such as starting a new class or club, playing golf or joining a gym will need an average of ??176 a month.he is a total of ??2,114 over a year.Visiting family and treating children and grandchildren with presents or days out will also require just under ??100 per month, or ??1,156 each year.Of top of that, pensioners will