It is quiet here at dub towers at the moment, T has been staying at his nan's for a few days this half term week. As much as I miss him, I cant deny that I have enjoyed the last couple of afternoons and the peace and quiet. Life has just been plodding on at the moment with little in the way of news or excitement. I'm sorry it sounds so boring! I did check out how much I would be paying towards a pension and then facted this into our incomings and outgoings. All this has done has made me realise that at the moment we cant afford to pay into a pension. Beloved would be paying about the same each month as me and with losing that much each month, it would hammer us in terms of how much we are repaying towards the debt. I am due to do my yearly review with CCCS for the debt management plan and I was hoping to increase my payments and reduce the time to below 10 years.
If I do that then perhaps after the debt is repaid, we can then start thinking about a pension. We wont have much when we retire, but this is the consequence of the years of spending and wasting money and getting into debt. I have accepted this and we have to deal with it. We have to make tough decisions at time, but I after the review, I think I might be seeing a chink of light at the end of the debt tunnel.