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Topic: pension

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feeblecat

via mobile 21/3/2021 at 7:34am
Location: Scotland
Outfit: Coachman Highlander

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Quote: Originally posted by Pixie_Hez on 12/2/2021
When I started working at 21 I joined the pension scheme where my pension age was 60. Several years ago they changed the scheme to 67 and although I can still choose to retire at 60, they will reduce my pension quite substantially if I do. So it looks like I will have to work to 67 to get a decent pension. It’s quite depressing as 60 doesn’t seem that far away but 67 feels like an eternity away!

Hi, I am in the same boat. But I have looked at the figures and although I will take a big hit I've decided I'll probably leave next year when my husband retires and I'll be 60. We won't be very well off but, having lost my younger sister a couple of years ago I've decided I would rather not work than work and enjoy a bit of life. We will just cut our cloth.

franbee

21/3/2021 at 9:24am
Location: Lancashire
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You will learn how to live frugally, we did for a number of years. When you finally get your pensions you will suddenly become a lot better off.

Capt Lightning

21/3/2021 at 1:49pm
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Yes Feeblecat, life is too short to spend it working, however most people will tell you that they've never worked so hard since retiring

It depends a lot on personal circumstances.. We had children at university and a small mortgage. I paid all these things off and we started retirement in our mid 50's with a clean slate. We had a huge drop in income and initially we had thought about part time jobs to supplement this. Having applied for a few jobs and had a couple of interviews, we soon realised that we didn't want to go back to work.

Now, the pensions have kicked in and our outgoings are much less, we're able to enjoy a comfortable, is not lavish, lifestyle. You can also play the 'crumbly card' with concessionary fares and anything you can get free. I would just say that I recommend having enough savings to tide you over any unexpected expenses until the income picks up.

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Two drifters off to see the world.

I'm tired of reality, so I'm off to look for a good fantasy.

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