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Scared about lack of pension contributions. Is there anything I can do?

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BlushingSheep Thu 15-Sept-22 00:39:04

Hi, this is my first post, so please be kind.

I am 52 and it has only recently dawned on me that because of the types of jobs I have had all my life (low-paid/temp), I have probably not been paying enough contributions to my state pension. There have been periods of unemployment too.
Is there anything I can do about this, or is it now too late? I have some money coming to me from a will and am wondering if I should use any of it (if it's enough) to top up - assuming that's something you can even do.
My name will shortly be going onto the deeds of our house, and my husband will be getting a couple of small work pensions which he has assured me will be coming to me (or a %) if he passes away first, but I am scared, as the realisation has dawned, that I may well end up homeless and destitute.

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Delila Thu 22-Sept-22 19:02:43

smile

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MissAdventure Thu 22-Sept-22 19:17:15

I've just looked it up.
Readers Digest is £22 odd per year for delivery of the magazines. smile

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M0nica Thu 22-Sept-22 19:43:52

The married women's stamp was abolished in 1977. That is 45 years ago, I doubt there are many not yet retired women who pad that for more than a handful of years, if at all.

I certainly didn't and was determined not to. I can remember the discusssions at work every time a woman married as to what she should do. I always wanted financial independence, married or single.

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Callistemon21 Thu 22-Sept-22 19:45:41

Doodledog

They had books giving sound advice on everything. Do they still publish now, or has Google done for them?

We have loads of those lovely Readers' Digest books.
MIL used to buy them! Lots of them ?

Readers' Digest started in 1922 apparently, a few years after Enquire Within.

They must have updated Enquire Within regularly, I can't imagine that questions about how corsets are constructed, why is arsenic beneficial, are gaslights safe in the home etc remained relevant.

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MissAdventure Thu 22-Sept-22 19:56:39

We had medical books that recommended leeches to let blood, and putting a spoon in someone's mouth if they had a seizure.

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Doodledog Thu 22-Sept-22 20:24:53

We had a 1960s medical book (with less terrifying cures than leeches grin ), a DIY book with stepladders on the cover, a consumer rights one that my dad was found of quoting, and a gardening one. There may have been others, but those ones spring to mind.

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Doodledog Thu 22-Sept-22 20:26:04

Oh, and I have a dressmaking one somewhere. I can't thread a sewing machine, but it must have been bought with hope rather than expectation.

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V3ra Thu 22-Sept-22 22:35:44

I can remember the change to the married woman's national insurance being discussed at work in the late 1970s.
The older women were advised they wouldn't get the benefit of changing to the full stamp.

Us two younger ones, in our very early 20s, were told we should do so.
I think I just shrugged and went along with what I was told to do. Forty+ years ahead seemed unimaginable at that age ?

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Norah Fri 23-Sept-22 12:54:07

Many do unpaid work, never pay tax or NI - as such have no state pension. I'm 77 and have no state pension. Can happen.

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