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49 & worrying I should get a pension? Is worth it?

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  • atush
    atush Posts: 18,731 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    OP, do you won your own home? Have any debt?

    I would suggest you start a personal pension now while you are waiting fo your company to offer one. And carry on saving outslde the pension as well- you have a lot of ground to catch up.

    But do take comfort from the fact that every 80 you pay in will become 100 with tax relief
  • If the school in Carlisle was a state school contact the teachers pension scheme. With your NI number they will be able to track your pension for you.
  • jem16
    jem16 Posts: 19,857 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    philip1988 wrote: »
    If the school in Carlisle was a state school contact the teachers pension scheme.

    Not if he wasn't a teacher. Other staff belong to the LGPS.
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