Thursday, May 28, 2009

So how much should I be saving?

There's been an awful lot of talk recently about pension provision and what we should all be saving for retirement which has depressed me somewhat, so I sat down and worked out what I should be saving for a retirement income of £40,000 before tax and then also looked at monthly expenses which I can't avoid.

Mortgage - £825
Pension - £1,200
ISA - £600
Insurance various - £150
Mobile phones - £100
Water - £30
Gas - £130
Work travel - £200
Cycle scheme - £43
Council Tax - £150
Child trust fund x3 - £300
Childen's education trust £300
Children's long term fund £300

That comes to a grand total of £4,328

Now I've got a decent job but that aint gonna happen especially if I want to eat, buy clothes and maybe go out once a year which as you'll note I haven't put in here. So what now? I suppose I could cut out £900 for the kids but that seems a little harsh.

12 comments:

Span Ows said...

Perhaps cut out 1200 of the pension...then hope your children appreciate what you've done and they look after you!

Jude said...

As another guy with a blog, http://thelongestwar.wordpress.com/, I commiserate about the harshness going around everywhere, financially and otherwise. As we seek to connect across cities and continents, Twitter's great for those who love sound bites (to which global media accustoms us) or want to follow fusion food trucks in places like LA, and your Twitter posts and tinyurls, most interesting. What Twitter won't allow us to do, ever, because of the truncated terseness, is make the big-picture connections to heal the global social fragmentation indicated by important pro-feminist issues like one you blogged about a few years ago, and I blogged about yesterday in context of Samira Bellil's pre-death courage in mobilizing awareness and resistance to “tournante” – gang rape.

It's great that old blog posts like yours are still available for viewing.

Les Paul Junior said...

Don't forget that by the time you retire the kids will have "flown the nest" and your mortgage will be paid off.

For me, at least, a 40K a year pension is massive.

Crispin Heath said...

This is true Les but this neds to cover me and the wife

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