When people say they save £X amount a month, do they include pensions?

[Plumpeee]

I currently save about £600 a month, £300 in Cash and £300 into Stocks and Shares. I also save about £500 a month into my workplace pension.

So am I saving £600 a month or £1,100 a month?

I’d say you’re saving £600 a month, I never include my pension contributions in what I’d say I’ve “saved”.

I don’t think people generally include pensions because it is not money which can be accessed in the short or even medium term.

I wouldn't include the standard pension scheme contribution but I would any amount that I chose to put into my pension above and beyond that.

I don’t include pension, I class savings as whatever I put into my savings account from my net salary.

I don’t include pension savings. We save £500 a month, pension on top of that.

Some will, some won't.

Some people will count any money they don't spend in any particular month as 'savings'.

Others will look on payday and set aside (or have already set up all the standing orders to move the money automatically) £x for car costs, £y for holidays and £z for school uniforms and include this as part of their budget rather than 'savings'.

It doesn't matter how you describe it, you just have to arrange your budget according to your own priorities.

No, when I talk about it (which I generally don’t!) I’m thinking of accessible savings, definitely not pension.

I include savings and additional voluntary contribution (AVC) to pension. I pay the usual amount of pension (6.1%) and additional voluntary contribution of 28.1%. I include AVC as I can access it 10 years before national pension age (about 11 years from now). In addition to AVC, I also put in £880 to my savings. So, in total, I put in £2k/month.

I don't include my employer pension but I would include an additional stakeholder pension or LISA

Is that something people routinely say? I dont think I've ever said that or had anyone say it to me but if they did and there was some reason that I needed to clarify I'd ask them

No I wouldn't count pension contributions. I generally view savings as money I have put in a savings account.

I would like to get to a point where savings means money I haven't earmarked for a specific purpose!

No, just what was being saved in normal savings accounts.
Never included pension contributions as they are not "savings".

I don’t include pensions or money for the children as savings. For me, savings is extra that I have that I can access at any moment (even if there is a fee or loss of interest involved).

This is a vocab question. I WOULD include pension in a savings question and I’m a Chartered IFA!
Pensions are money put aside for the future, the very definition of saving. They are not ‘savings’ as people see them, but you save into them.

I wouldn’t include a workplace pension , for
me saving is from take home pay

I wouldn't include pension savings in my monthly savings amount, when talking to other people.

I don't include my pension contributions in my savings, as they are subtracted at source.

If talking to a financial advisor then yes (but I put 50% of my income into the workplace pension)

Anyone else, I can't see why they'd ask a number? I'd just be generic -I pay into sone regular savers, into an isa and pension payments each month.

I don't consider it as part of my monthly savings, but I do consider it part of my net worth.

Which written down makes bugger all sense.

I don't include it, mostly because it gets taken out of my pay so I never see it.