Confused where to start

ForestBluebells

My employer doesn’t match pension contributions but I can ask if they will in my review next month. If they won’t then is it best to invest in stocks and shares instead of paying more into a pension and as you say then in 15-20 years time take any profits to pay towards mortgage? I can still chop away £100 overpayment a month too.

It’s all so confusing and overwhelming to try achieve on a single salary although I do earn ok the only cutting back I can do is stop buying things for myself and dogs / cut back on grocery spend. I can’t lower my bills any further I don’t believe although maybe my pet insurance which is very expensive but gives peace of mind. I’m trying to save £250-£350 a month, previously I’ve been saving £100 a month and anything that happened to be spare I’d pop into savings too. I really want to turn things around and start preparing for a better future not just plodding along in the now.