What else can I do?

Click on the figures for more explanation.

You can check your income: 1. Part-time retirement 2. Early retirement 3. Taking part in the Net Pension Scheme 4. Reducing your hours 5. Exchange of partner's pension 6. Variation in benefit (high/low) 7. Saving for a higher pension elsewhere

You can check your expenditure: When interest rates are low it may be more useful to consider your expenditure than your income. Savings yield less when interest rates are low. How can you influence your expenditure? You could make extra mortgage repayments, for example. Reducing your expenditure means that you'll need less income when the time comes. These are just two examples. It is best to decide for yourself which expenses you can save on.

8. Extra mortgage repayments 9. Solar panels