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At a crossroads re continuing in work

(62 Posts)
Germanshepherdsmum Thu 24-Aug-23 15:35:52

You don’t mention your state pension - are you not receiving it yet? You say you’re 67 and have worked over 55 years, that presumably includes part time work whilst at school?

fancythat Thu 24-Aug-23 14:53:14

And as others suggest, see if you are entitled to extra pensions and benefits.

fancythat Thu 24-Aug-23 14:52:16

As you are financially unstable, I wouldnt be ditching the job.

But I would try and see a GP about your energy levels.

Georgesgran Thu 24-Aug-23 12:52:32

I’m agreeing with Ddog. Have you had a proper pension forecast and will your DWP (when you get it) be the full amount?
Try adding all your bills and divide by 12 (hope you don’t think I’m patronising) and see if your income covers your expenditure - I agree though that it’s impossible to see what the future holds.
A very low income might entitle you to pension credit which would also open doors to housing and council tax allowances.

Doodledog Thu 24-Aug-23 12:44:39

If you know what your pension will be, could you try living on that amount before you leave work to see how you will manage? If you have savings, try not to touch them, and if you don't, take something off your pension so that you can build up a 'rainy day' fund.

If you can manage then you know you can retire, but if it is a struggle you may have to work a bit longer. Alternatively, is there an option for you to cut down to 8 hours instead of 16, and split the difference?

MerylStreep Thu 24-Aug-23 12:34:39

I was about your age when a blood test showed that I have pernicious anaemia. Ask for a blood test.
If it does happen to be that they will put you on a 3 month injection. Some people don’t get to 3 months ( energy) and need them X monthly, like me.

NotSpaghetti Thu 24-Aug-23 12:30:33

Can you still top up any pension years I wonder (or is it too late?).
Have you got all the right pension years allocated to you?

If you are very tired I'd definitely see your GP.

Thinking of you. 💐

Theexwife Thu 24-Aug-23 12:27:25

There are a lot of job vacancies at the moment, so I would leave and if you cannot manage or miss work then you can get another job.

sodapop Thu 24-Aug-23 12:21:37

It's a tricky decision Bea65 do you give up your job entirely and enjoy a more relaxing life or continue as it's only 16 hours a week. I'm not sure how this will impact on your pension so I would be inclined to discuss your future with an expert. I'm sure there will be extra credits available to you if you have a low income in retirement. Good luck

Coronation Thu 24-Aug-23 12:20:32

If you haven't done so already, it may be worth speaking to you GP to rule out medical issues for the sluggishness. Perhaps this can be treated and you can carry on working

midgey Thu 24-Aug-23 12:14:34

If it was me…I’d hang on in there. A very small pension means that life may be a bit limited unless you already have a social life. Hope you feel better soon.

Bea65 Thu 24-Aug-23 11:59:48

Am very uncertain what to do...have very little energy at moment due to bad fall 2mths ago and being off work...my present role i can do at home and its only 16hrs a week -am 67 - but can't seem to wake up in mornings and very sluggish most days..am not financially stable - have a very small pension when I do retire- this worries me although i've worked 55+yrs and during this time, often had a second job as needed to change car or wanted a holiday etc etc...just need a sounding board if anyone else has/had a similar situation and feel unsure which 'road' to take...hmm