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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Is living on the state pension really that bad?

717 replies

cateringday · 21/02/2026 09:07

I mean, if you own your home then you’re getting around £250 a week just for bills and spends.
i have a tiny pension and DH has none. I am always worrying about this but then realised that we will have no rent or mortgage to pay.
im just wondering if it would be as awful as people make out? I hear stuff saying you need £300000 in pension pot to have a comfortable retirement, why would you need that much?

OP posts:
XenoBitch · 21/02/2026 22:35

LoyalMember · 21/02/2026 22:34

I can assure you she is, or whatever the term is now. She has a Disability Badge for her car.

No, there is no registered disabled. You are making stuff up.

LoyalMember · 21/02/2026 22:35

Pickledonion1999 · 21/02/2026 22:34

State pension is not £800 a month. It works out at closer to 1k assuming you have paid full NI contributions.

Edited

It's £922.

LoyalMember · 21/02/2026 22:38

XenoBitch · 21/02/2026 22:35

No, there is no registered disabled. You are making stuff up.

She is disabled, has a Disability Badge, and receives PIP (but that name's changing in Scotland to something else, or might already have).

Pickledonion1999 · 21/02/2026 22:38

LoyalMember · 21/02/2026 22:35

It's £922.

From April it will be £1045.63 per month. It is paid four weekly though, maybe you are thinking of the four weekly amount. Most months have more than four weeks.

Thechaseison71 · 21/02/2026 22:38

XenoBitch · 21/02/2026 22:32

Well, as of a few days ago, my my mum is having to pay it on her own.
She does not have the spoons to say her DH died and to get a discount right now.

I'm sorry to hear that. Maybe you could email the council on her behalf

XenoBitch · 21/02/2026 22:38

LoyalMember · 21/02/2026 22:38

She is disabled, has a Disability Badge, and receives PIP (but that name's changing in Scotland to something else, or might already have).

There is no such thing as "registered disabled"

LoyalMember · 21/02/2026 22:39

TinkerTailorLadyThinker · 21/02/2026 22:15

So how does she qualify for PIP?

I assumed it was only for anyone who was so ill they couldn't work at all.
Although it now seems to capture conditions that are mental health / neurodiverse issues rather than physical disability.

Because she's disabled.

LoyalMember · 21/02/2026 22:40

XenoBitch · 21/02/2026 22:38

There is no such thing as "registered disabled"

She's Disabled.

Pddn · 21/02/2026 22:42

XenoBitch · 21/02/2026 22:02

No. PP is on PIP. They are disabled. It is none of your fucking business TBH.

They go on multiple holidays a year and have more planned? They seem to be doing well.

XenoBitch · 21/02/2026 22:43

Pddn · 21/02/2026 22:42

They go on multiple holidays a year and have more planned? They seem to be doing well.

You can be disabled and go on holidays.
Or do you think disabled people should be house bound?

XenoBitch · 21/02/2026 22:44

LoyalMember · 21/02/2026 22:40

She's Disabled.

THERE IS NO DISABLED PEOPLE REGISTER

ElleintheWoods · 21/02/2026 22:56

OldBurt · 21/02/2026 11:27

Good cleaners are always in demand so if you are fit and enjoy cleaning (or dog walking/admin/DIY etc) a few hours a week could bring in a nice little cash in hand income.

Seriously?

What would you think of someone of working age who made an OAP scrub the floor? I'd be absolutely mortified having a 75 year old clean up after me.

Bit ageist don’t you think?

Some people actually genuinely enjoy cleaning, or whatever other job they’re doing.

’You seem lovely but couldn’t possibly hire you because of your age, would be too embarrassed, so sorry’ is the reason why many people in their 60s work way below their skill and ability level.

Life doesn’t end at 70, people don’t suddenly become frail and break in half. My boss is near 70 and fabulous, so much insight and genuine care.

Most of my friends’ parents still work in the jobs they’ve done all their lives aged 75+, usually full-time. I intend to definitely be working at 75 unless I’m gravely ill and at death’s door. If you love what you do, you don’t just want to give it up, and others should not be telling you what you are or aren’t capable of, or what dignity looks like for you.

There’s no shame in an honest day’s work.

LoyalMember · 21/02/2026 23:01

XenoBitch · 21/02/2026 22:44

THERE IS NO DISABLED PEOPLE REGISTER

Edited

Okay, but she's disabled. Will you leave me alone, please?

Jasonandtheargonauts · 21/02/2026 23:02

Charlize43 · 21/02/2026 15:03

I don't know anything about annuities but assume that you would buy one with your pension lump sum or any savings and then they would invest the money and pay you an annual amount (monthly) for life.

A company pension also pays out for life? You will have accumulated at pot with your contributions, your employers contributions, etc.

My friend pays an addition lump sum of around £8K a year into her company pension, HMRC then give her pension tax relief of 20% and this buys her around £500 extra every year for life. Another poster said this was a defined benefit scheme (she is a part-time lecturer).

To me it sounded like an excellent return if you lived longer than 16 years after retiring.

I am still trying to get my head around 'saving into your pension' instead of say, setting up an ISA, or another saving account and then buying an annuity...

As I said, if you pay into a pension, any pension, for every 80p you pay in the government gives you an additional 20p in tax relief. So £1 goes into your pension pot.

Any other savings accounts the government does not put that 20% tax relief into it.

You could do as you said and save into an ISA or something, then buy an annuity with that pot of money at retirement age, instead of with a pension pot. But you wouldn't get that tax relief of 20%.

The advantage of your suggestion is you can access the money for other purposes at any point. So if you're diagnosed with terminal cancer, for example, you could spend your ISA on additional treatments not available on NHS or just spend it doing your "bucket list" before you died. A pension is locked in there and you can't access the money until you're 55. So it's a gamble. Are you likely to need the money for purposes other than a retirement income or would you be better off with a pension and getting the government putting 20% tax relief into it.

This tax relief is nothing to do with whether the interest on savings is taxed, which I'm wondering if you're getting confused with that since you mentioned ISAs. The interest made on an ISA is tax free. With any pension the government literally puts money into it for you, that's what the 20% tax relief is. That money then accrues interest the same as the money you put in. If your employer is also putting money into your pension that's even more free money going into it, meaning a bigger pension pot upon retirement. Your employer wouldn't put that money into your ISA instead.

This is a completely separate situation to comparing whether a private pension is a better deal than an employer's pension. The employers one is always better than a private one, if they're contributing to it, regardless of whether it's a defined benefit pension scheme or anything else. The "defined benefit" part is yet another additional beneficial component to your friend's pension scheme.

Sometimes you'll get an employer offering a pension scheme but not paying into it themselves. In that scenario it's no different to you paying into your own pension scheme that's not offered by the employer. If the employer isn't even paying into it for you (because they're stingy, basically) it's unlikely they're offering additional benefits like "defined benefit" or "final salary" or anything else.

You're comparing whether you should pay into a savings account or into a pension like your friend's one. You need to strip it down further because that's not a good comparison. For a start, to have the opportunity to pay into a pension scheme like your friend's one you'd first have to have an employer who offered such a scheme, which might mean working for a different company or changing careers altogether. What you need to decide first of all is: do you want to pay into a pension (any pension) at all, or do you want to save the money elsewhere. You need to decide what matters more to you: getting the 20% tax relief that paying into a pension gives you, or having the ability to access the money at any time because it's not locked into a pension.

In simple terms, if you had a pension scheme and a savings account, both invested in the exact same way in the same companies and performed the same, and if you put a £30k (random figure plucked out of the air) one off payment into both of them and left it there to grow, at retirement age the pension would be worth more than the savings account, because of the 20% tax relief that went into it and grew alongside your £30k. The effect of the tax relief is how the government rewards you for choosing the pension and locking your money away until old age.

XenoBitch · 21/02/2026 23:03

LoyalMember · 21/02/2026 23:01

Okay, but she's disabled. Will you leave me alone, please?

Then stop making shit up like a disabled register. It is harmful and unhelpful

Pepperlee · 21/02/2026 23:05

XenoBitch · 21/02/2026 22:35

No, there is no registered disabled. You are making stuff up.

I'm registered as partially sighted. I'm not sure what your problem is.

Jasonandtheargonauts · 21/02/2026 23:07

LoyalMember · 21/02/2026 23:01

Okay, but she's disabled. Will you leave me alone, please?

Perhaps when you stop making comments like "my disabled wife works because we can't afford for her not to" you'll get left alone. You're insinuating that if others on PIP aren't working, it's because they're choosing not to work, but could work if they could be arsed. That's what's getting people's backs up. Just because your wife on PIP works, it doesn't mean everyone claiming PIP is capable of working. That has nothing to do with whether they can "afford to" or not. You're being incredibly rude implying that people who don't work are shysters who are choosing not to work.

XenoBitch · 21/02/2026 23:08

Pepperlee · 21/02/2026 23:05

I'm registered as partially sighted. I'm not sure what your problem is.

There is not a general register of disabled people. Blind is different.
There is no such thing as "registered disabled"

LoyalMember · 21/02/2026 23:08

XenoBitch · 21/02/2026 23:03

Then stop making shit up like a disabled register. It is harmful and unhelpful

It's just an old expression. I now know it fell out of use sometime in the 90s. Will you kindly fuck off now?

XenoBitch · 21/02/2026 23:09

Jasonandtheargonauts · 21/02/2026 23:07

Perhaps when you stop making comments like "my disabled wife works because we can't afford for her not to" you'll get left alone. You're insinuating that if others on PIP aren't working, it's because they're choosing not to work, but could work if they could be arsed. That's what's getting people's backs up. Just because your wife on PIP works, it doesn't mean everyone claiming PIP is capable of working. That has nothing to do with whether they can "afford to" or not. You're being incredibly rude implying that people who don't work are shysters who are choosing not to work.

This.
I know plenty of people who claim PIP and work. And even more who claim PIP and can not work.

XenoBitch · 21/02/2026 23:10

LoyalMember · 21/02/2026 23:08

It's just an old expression. I now know it fell out of use sometime in the 90s. Will you kindly fuck off now?

Keep up with the times then.

LoyalMember · 21/02/2026 23:13

Jasonandtheargonauts · 21/02/2026 23:07

Perhaps when you stop making comments like "my disabled wife works because we can't afford for her not to" you'll get left alone. You're insinuating that if others on PIP aren't working, it's because they're choosing not to work, but could work if they could be arsed. That's what's getting people's backs up. Just because your wife on PIP works, it doesn't mean everyone claiming PIP is capable of working. That has nothing to do with whether they can "afford to" or not. You're being incredibly rude implying that people who don't work are shysters who are choosing not to work.

I'm doing nothing of the sort. I'm merely saying that we're so skint we can't afford for one of us not working. I'd love her to be at home because some nights she can hardly walk because of the pain she's in.

KeepOffTheQuinoa · 21/02/2026 23:17

Donttellempike · 21/02/2026 09:16

Pretty much everyone who lives long enough does. Those who don’t are the exception

2.5% of people over 65 live in care homes.

10.8% of 85 year olds live in care homes.

So actually a big majority do not need residential care

Anonymouseposter · 21/02/2026 23:21

Pickledonion1999 · 21/02/2026 22:38

From April it will be £1045.63 per month. It is paid four weekly though, maybe you are thinking of the four weekly amount. Most months have more than four weeks.

That’s the new state pension for people born after April 1953. Doesn’t apply to all pensioners. It will to anyone about to retire though

Tacohill · 21/02/2026 23:35

TinkerTailorLadyThinker · 21/02/2026 22:13

That's completely wrong.

As far as I know everyone pays council tax with a discount for a single occupier.

Certainly being state pension ages doesn't mean you don't pay CT- if only!

It seems many people who receive state pension don’t pay CT - if you do, perhaps you have savings over £16k?

I am not sure how they work it out.
Some posters have checked and it looks like they wouldn’t have to pay CT and so maybe it’s area dependent? Not sure but you’re incorrect to say it’s completely wrong.

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