Gap to State Pension

DE_612183

Not sure if this should be here or employment.
Anyway, I'm 60 and wife is 55, I'm still working, my wife hasn't worked for a few years.
I get a fairly decent wage and also have a FS Pension that pays out.

I'm hoping to stop doing the job I'm doing in a few years, but the money I'd get until the State Pension kicks in for me, and for my wife 5 years later will be a bit of a challenge.

I was thinking what types of jobs I could do that are not as stressful as the job I do now but still brings in some money - options I'd thought about are below, but I wondered if anyone else has any ideas? I have no real skills like DIY or gardening.

1. Delivery Driver - say Evri sort of thing
2. Work in shop ( M&S )
3. Taxi Driver ( not sure - maybe not great )

Any ideas?

The bit between when I hit 67 and when my wife hits 67 is looking like the most difficult - I could carry on doing what I'm doing now for a while as it's office type work.

Bargainlovernana

Start with a bit of voluntary work for something like Alzheimer’s society then look for part time vacancies after you’ve built up some experience and knowledge . It’s rewarding and not too physically exerting 

sevenhills

I drive a minibus for my local authority. Pay is ok and we get to have all the school holidays.
We have 30 hour, term time contracts, not enough hours for some. Holidays are more expensive in the school holidays.

DE_612183

sevenhills said:

I drive a minibus for my local authority. Pay is ok and we get to have all the school holidays.
We have 30 hour, term time contracts, not enough hours for some. Holidays are more expensive in the school holidays.

That sounds good - do you need a PSV licence for that - or it is ok as it's a small vehicle?

Silvertabby

A number of the shelf stackers at our M&S foodhall are of 'a certain age'.  Salary plus staff discount - what's not to like!

sheslookinhot

From a financial POV, you would probably be better earning the decent wage in your current job.

Try and focus on what makes it stressful and tackle it from there. There are numerous self help sources to assist you in de-stressing your job.

squirrelpie

You don't say when your final salary pension starts, but there might be a Pension Commencement Lump Sum (PCLS) that is paid when it starts and that could help fill some of the difficult gap. But you might also be able to decrease the PCLS and increase your pension payments so you need to think about what is most important.

Albermarle

Also you will probably be able to take the final salary pension early, albeit with reductions in the annual income.

Another alternative is to send the wife out to work 

1. Delivery Driver - say Evri sort of thing

Dashing around the streets 12 hours a day and then getting stick for only dropping off 250 parcels instead of 300. 
OK if you like stress/fancy an early heart attack.

xylophone

'a certain age'.  Salary plus staff discount - what's not to like!

Go on, admit it .....you've gone part time for the discount on the prosecco...    

SarahB16

Albermarle said:

Also you will probably be able to take the final salary pension early, albeit with reductions in the annual income.

Another alternative is to send the wife out to work 

1. Delivery Driver - say Evri sort of thing

Dashing around the streets 12 hours a day and then getting stick for only dropping off 250 parcels instead of 300. 
OK if you like stress/fancy an early heart attack.

... and paying speeding fines due to having to rush round too.   
 
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Many years ago B&Q used to seem to actively look to recruit people of 'a certain age' as I think they were viewed as being reliable and also more knowledgeable.  

Is there a B&Q or a local garden centre that perhaps looks for part time staff.  

Silvertabby

xylophone said:

'a certain age'.  Salary plus staff discount - what's not to like!

Go on, admit it .....you've gone part time for the discount on the prosecco...    

Actually no, I was happy to retire at 60!  But if I.did need to work, then M&S would be my first port of call.  

Prosecco's a bit sweet for me - but M&S do a selection of lovely English sparking wines!