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..
Scottish island ferries debacle. 🏴
Another welcoming into Soop's kitchen for those who care to share...
They don't really care do they
The next thread for friendship, advice and support if estrangement has affected your life