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Let's get this sorted then!
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You can look at your State Pension Forecast online, using the link below;
This will show your State Pension forecast, if you have any missing or incomplete years for National Insurance (NI) contributions, it will also tell you how many more years of NI contributions are needed.
This is the best place to startI’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.1 -
Well done Rhy, the debt paying off and plan sounding fabulous 🍻 Ugh to norovirus, glad you're feeling better
@RhiBi I'm also generally befuddled about pensions (and have no spare money for them to worry me anyway) but I would say first off, create a .gov account and see what your state pension forecast is and take steps from there
https://www.gov.uk/check-state-pension
https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'self-blame can be as egotistical as self-praise... any work worth doing is greater than we are... we must not overrate our importance to it, either for good or ill' Margaret Kennedy Lucy Carmichael0 -
I have almost contributed for long enough to get full state pension. I'm a few years short (spent some time overseas but have contributed for 30 years) but I doubt I'll be finishing work any time soon with the amount of debt I have.
When I start looking into pensions I'll (obviously) bang on about it here and maybe a few of us can figure it all our together. Just need all my brain space for debt busting for a while yet.
Debts 04/01/25 01/04/26
Natwest2 £6,509.97 £4,200
NatWest CC £7,612.74 £6,325
Lloyds CC £6,112.60 £4,115
1st Direct CC £176.03 £9.11
CC total £20,411.34 £14,649.11
OD £1100 £0
Car loan £4,000 £3,600
1st Direct Loan £10,684.44 £7,000
Total £36,195.78 £25,249.11
EF £1,750.33
HF £150.762 -
Cross-posted with you @Smudgeismydog!
Absolutely focus on the debt Rhyddid, you are smashing it (though do also check when you have mind space that your state pension seems accurate 😁)
https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'self-blame can be as egotistical as self-praise... any work worth doing is greater than we are... we must not overrate our importance to it, either for good or ill' Margaret Kennedy Lucy Carmichael1 -
Fantastic work with the paying down! Really rubbish about the virus though. I hope you’re feeling much better now.
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I think you can purchase missing years of NI contributions but not entirely sure. Worth looking into. Also if you had caring responsibilities then you can often get the years credited.
DFW info LBM: March 26
Total 03/26 69,481
"You put one foot in front of the other and one day you look back and see that you have climbed a mountain" Ready for the climb.💪
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