daphnedill so sorry to hear your situation, and I thought I was badly off. Have always worked but like you gave no thought to a pension so didn't pay into employers' scheme, then worked overseas where couldn't pay into UK pension and no NI icontributions, so state pension has big holes too. Currently working to support mortgage but don't know what I'll do when I have to retire..
Good Morning Monday 11th May 2026


