No money at all

[AngelaBB]

My husband retired in August, I have been retired two years. He didn’t talk to me about retiring , just came home and said he had talked to HR and never went back to work.
He is hopeless with money, I gave to run everything and I find it exhausting. He hadn’t bothered to sort out his pension, although he told me that he had and just left it, we now have no money at all. He has finally sent the forms in but has been told that it will take at least six weeks to all come through. I have no money at all, used my overdraft facility and credit cards maxed out. He expects me to sort it out but I don’t know how. There literally is nothing in the pot. He can live like this but I can’t, he thinks I’m over reacting and it’ll all work out but I’ve had enough. Am I being unreasonable?

Not true, I have known people to tender immediate notice and it's been accepted.

Does he really not have even a little savings to tide him over the next few weeks?
Sorry but assuming he will be getting full new state pension you won't get any pension credit and that can take weeks to be sorted anyway.
Your best bet is to see if you have any credit built up with utilities, use food banks, get a small overdraft etc.
If you rent then use the Age UK benefit calculator to see if there is nay housing benefit or council tax support available assuming you are both over state pension age.

We have no savings, we have cut back as much as we can since I retired. I have a large overdraft already. We don’t qualify for pension credit. Its very frustrating, there must be thousands like us.

Agree with this post. Good luck, Op

Thanks all.

Do you have any idea what income your husband will have from pensions? Has he claimed them yet? The problem is that he ought to have received a letter in respect of the state pension and responded immediately. Had he done so , it would have been paid not long after he qualified. Is he owed any wages /salary, he ought to be paid until his last day.

There are many mixed age couples ( where one is under state pension age and one over) where the younger is not working for whatever reason where the older one's state pension virtually wipes out any universal credit so they are effectively living long term on one state pension between two people. At least once your husband's state pension is sorted you will have around £450 a week to live off assuming he is due to get full new state pension and you own your own home..
If you've both been working for many years are you absolutely sure you don't have any private pensions between you?

Oh spare me 🙄

Sorry OP. I cant agree with you. You have said you have no money. People have replied in good faith. Told you to hotfoot it down to CAB. They can refer you to Food Bank. Ive been in your position. Lived on reduced items. There are many light cleaning jobs or care jobs which are not being filled.I dont accept that you cannot try to get one or get your husband to do some work. That is what people who say they have no money do...or borrow from their children until pension turns up in 6 weeks.

Stepchange or one of the other non profit debt advice organisations will be able to help you re escaping your overdraft.

There are probably ways you can make money without physical labour but not sure where to suggest you look for that - possibly temping agencies / possibly online re ways of making money here eg Vinted type reselling.

@Rosesandhellebores Anyone born after 11th April 1961 now has a retirement age of 67

As do some people born before then! Anyone born on or after 6th March 1961 has a retirement age of 67

Oh enough of this being trotted out, it’s so unfair on the very diverse group people who fall under the neurodivergent umbrella. Do you even know what you actually mean when you say this?

Sounds like a breakdown in communication between OP and her husband or he just checked out of the marriage years ago or perhaps he did speak up and she couldn’t or wouldn’t listen to him.

@ExitViaGiftShopthat’s quite an unpleasant comment, I didn’t say he was neurodivergent, so I don’t know why you’re having a pop at me. I will not post another comment on here regarding anything because I don’t like some people’s tone.

wtf is it with the “neurodivergent” Comments? wtf difference does that make? If he’s managed to hold down a job to retirement age he can sort out claiming his pension, it’s hardly rocket science

Well done. Poor OP.