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Pensions Planning: The NUMBER
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Great update, sounds like you are in a very healthy position, and living a very full retirement
Good for youI’m a Forum Ambassador and I support the Forum Team on the Pension, Debt Free Wanabee, and Over 50 Money Saving boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the Report button, or by e-mailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.2 -
End of 2025 Results:
Retired couple 58/60, MCOL, No mortgage, 1 car, no dependents, no pets.
- Subsistence (day to day living costs including utilities and insurances): £15914
- Non-Discretionary CAPEX (e.g. car/house repairs, home improvements, white goods, furniture, etc.): £5278*
- Discretionary CAPEX (e.g. holidays, short breaks, days out, meals, takeaways, etc.): £23908**
* Includes a car repair and new patio amongst other things.
** Includes £13K spent on a 3 week holiday to New Zealand.
Can provide a little more insight if it helps anyone. Good luck everyone.12
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