no income

I haven't worked, well the odd part time job, but have gone from being a full time mum to a carer of disabled my disabled, now adult children. retirement scares me but we will manage. I think one think that needs to be taken into account is pension credit, IF the poster gets a part time job now, this will likely take the household over the pension creditn limit. so the household will lose entitlement to not only that extra income but the free perscriptions/rent etc. I am not saying this is right or she shouldn't work, but this system would make it very difficult, especially if the household were reliant on perscriptions/expensive rent/glasses/dental care.

Having re-read the op two initial posts it does seem that she has reviewed her pension predictions and will be getting a bit below the full state pension, albeit not until the new retirement age. This must be made up of contributions for childcare. Which seems quite generous to me.

How do you expect to have any money if you have hardly worked all your life? Who do you expect to give it to you? I am sorry but I had two children and worked well up to sixty hours a week at times. I too don’t get a pension until 67 and as I didn’t realise I wasn’t paying the full “stamp” will only get about £17 plus a percentage of my husbands pension. Now I have paid tax and NI from 17 to 63 and that strikes me as unfair!

You really can’t moan about not having any money if you haven’t earned any and subsequently not paid any tax etc. Sorry if that sounds hard but you have to help yourself in this life and not expect others to do it for you.

I am trying to work out why the OP thinks she should have money of her own now? Presumably as she has only worked part-time she has mostly depended upon her husband for money. She seems to think this should change at 62. A massive defrauding of women is taking place but I'm not sure she is involved in this. Most women agreed with pension ages being equalised, unfortunately this has been done in such a way that some women are now uncertain when they will get their pension. The WASPI women have a real and justified fight to have their money
A song from Tyneside
www.youtube.com/watch?v=ab16A2gVrXI

Think you are touching on sensitive ground here, because so many of us who are a similar age to you have worked most of our lives and paid full contributions, as well as raising children. And we are in the same boat pension wise. So I'm afraid you will probably get little sympathy on that front. If you have health issues that have prevented you from working, I'm surprised you have not been entitled to some sort of benefit.

I think what everyone is forgetting is that the OP's husband is already getting means tested benefits with the pension credit so it is a Catch 22 situation. If the OP tries to get benefits in her own name or gets a job the pension credit will be reduced or totally taken away.
The OP has said that she has applied for a pension forecast . Plus she did say that she has worked in part time jobs over the years but not full time ones.

newnanny had to look that up - now know what Jack and Jill ensuite is!

Sorry if i was a bit abrupt earlier. If i had 2 sons at home i would be charging them at leat 250 per month That would give me 500 pound to cover bills and a little bit for myself. Dd gave me that and was happy to do so ten years ago now maybe you could ask for more after all if these lads had their own place they would pay much more in rent alone

Even though we could well afford to support 2 ac living in loft extension, we choose not to do so and they pay 1/4 each of council tax, electricity and gas, internet and Virgin entertainment package as each son has this in own room. They also contriute to food bill. Each son has to cook one night each week unless their working commitments do not allow it and do own laundry. Mollycoddling ac does them no favours at all. They know we will help them with a deposit should they wish to buy own property. We have made them too comfortable in loft extension with enormous bedrooms each and Jack and Jill shower room. OP wprk out how much 1/4 of all bills cost and charge your ac that amount.

I absolutely agree about the unfairness of shifting the goalposts on retirement age. I just skimmed in under the wire on that one!

You do need a joint account - we had one from day one of our marriage. All income shared - mind you, the only income was mine at the time, so OH was very happy indeed with the arrangement!

I got my state pension at 60, but missed the date for contribution credits during child-bearing years, so it is smaller than it might have been.

I am sorry that you are feeling like a second class citizen - would OH consider joint account? You could threaten to stop whatever household duties fall to you!

It is not about OH "giving" you some money; it is about sharing the assets that you have. All his pension and the board you receive from AC is joint income and should all go into one pot. Are you charging enough board? - although this might mess up the benefits if it was too high.

Open your own account and put money from sons in it. They should be paying around £50 minimum a week each I would have thought to cover food, electricity they use and washing etc. If tgey are not paying this much why not

JAYLUCY. I beg your pardon. Who told you over 60s get free dental treatment. I have to scrimp to afford mine and often miss appointments due to the cost

Over 60s get free prescriptions, but not free dental treatment unless they are on benefits.

Go to government website and put in your National Insurance number and it will tell you how much pension you can expect. If you have only worked part-time did you pay pension contribution via N I stamp? Many married women did not pay this. Thankfully I listened to my dear old Dad who told me to pay in to get a pension in my own right. If you were at home raising children you will have been given some pension credits. If you want your own money sooner you will either have to work for it with part-time job or claim pip. Have you thought of baby sitting or dog walking? I have already got 35 years N I paid and retired from teaching early due to health but still look after foster child which i get paid for, but cannot claim Teacher's occupation pension until 2 more years when i will be sixty and then about 8k state pension when i get to 67 years. I am fortunate my dh has good salary and we share money and 2 ac living at home pay towards household bills. Are you charging your ac enough?

Just what I was thinking Daisymae!
If their board covers paying for the internet, that they no doubt use, they could also pay for the tv licence and I hope they pay towards the food that they eat and you cook for them.
Sit down with them and explain that the cost of things is going up so they need to put more in the pot then take the extra and pop it into your own bank account to spend on yourself - you have earned it !
As far as losing the free dental treatment etc, when you finally get your own pension, you won't - EVERYBODY over 60 gets free NHS dental treatment, eye tests, prescriptions etc. Mind you, surprised they haven't knocked that one on the head by now!
Might be an idea as well to have a chat with your husband and explain how you feel - really surprised he doesn't give you "housekeeping" but maybe, he has always paid the bills etc and it has never entered his brain that you would like to be able to pay for things like presents etc without asking him because you have never asked him !

Fiachna56, I made a lot of sacrifices to get that second degree to try and give my children the life I never had.
I was brought up in a very deprived household with a chronically ill father. Some days my mother had no money in her purse to buy a loaf of bread.
I started a Saturday job at 14 and my mother took every penny off me. So I was basically working for nothing.

My mother didn't approve of me going to university, as she wanted me working.
I got a job in a working men's club and paid my way through uni. Although I got a small grant (because my parents were already on benefits,} my mother took that from me to pay for my keep.

Opportunities don't come to you, you have to find them and try and find a way round difficulties.
If I hadn't been academically able to go to uni, I would have done something else.

This is not meant to be a sob story, it's to illustrate that you have to be proactive.

I have so much admiration for Gillybob and how she has found opportunities and worked so hard for her family.

It may seem as if I'm being unkind to OP, I'm not. She should be having a conversation with her husband about how she feels.

I know this sounds unsympathetic but I don't understand why the OP doesn't understand why she has no money of her own. She is not old enough to have a pension, she does not work and her children are too old for her to receive child benefit. Where would this money come from? Her husband and children have incomes which pay the bills so the State would not provide benefits.
It sounds as if the issues are in the family with possibly a controlling husband and children not paying their way. As others have said, the best option is a job.

etheltbags1 thanks for that helpful contribution to the thread , I'm sure you've made the OP feel 100% better

Yes i agree but feel strongly about this subject. Thr kept woman of yesterday has gone for good. We must alll work for outselves

Lilylavender.sorry that some are giving you a hard time.but can you ask your sons for extra funds and explain why?

Oof! That’s a bit strong!

Message deleted by Gransnet. Here's a link to our Talk Guidelines.

Well I can see both sides. Speaking for myself I have never had the luxury of not working . My son was a typical latch key kid as I was a single parent . Later when I met my (now) DH, I was able to bring him and his sister to work with me sometimes but still didn’t have the luxury ( and to me it would be a massive luxury) of being a stay at home mum. Of course now having worked full time for almost 40 years I am told I will have to work another 10 to get a state pension, which will mean I will have paid 50 years of NI .

I’m sorry for the OP but I’m more sorry for those of us who having worked and brought up our children, have been cheated out of the retirement we expected and deserved at 60 .

Fiachna56 Sorry, but you are doing it again . You say you are not judging, but that is exactly what you are doing by saying that leaving a 12 year old for half an hour is something you wouldn’t do. You are implying that my parenting is inferior to yours. This is similar to implying that any disagreement is unsupportive, as ‘women should support one another’, and making a comment then stepping away from the thread is just insisting on having the last word.

Yes, marriages can be partnerships; but it’s not a partnership when one party has nothing and the other claims all of the household income.

FWIW, I agree that the OP has had a bit of a hard time on the thread. Pensions hit a very raw nerve for many of us, and perhaps her wording ‘I don’t understand why I have no money’ didn’t help.

There have been suggestions of what she could do to help herself, though - I don’t think people have been unkind, just blunt.