Copyright -- Table of contents -- Introduction -- 1 Doing the sums -- Possible savings -- Extra outgoings -- Expected sources of income on retirement -- Unavoidable outgoings -- Normal additional expenditure -- Spending now for saving later -- If you become redundant -- Money left unclaimed -- Extra income -- 2 Budget Planner -- Possible savings when you retire -- Possible extra outgoings when you retire -- Expected sources of income on retirement -- Unavoidable outgoings -- Normal additional expenditure -- 3 Pensions -- State pensions -- Private pensions -- Company pension schemes -- Personal pensions for employees -- Stakeholder pensions -- Types of investment policy -- Opting back into the State scheme -- A lump sum? -- Pension rights if you continue to work after retirement age -- Equal pension age -- Divorce -- Divorced wives -- Separated wives -- Widows -- Part-timers -- Pensions for women -- Reduced-rate contribution -- Home Responsibilities Protection (HRP) -- Graduated pension -- Additional pension -- Stop press -- Pension funds -- Help for pensioners -- Summary.