Page 71 - Marlborough Living Nov/Dec 2019
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                 talk Money, Talk Pensions
                    Why talking about finances could help with your money worries
Talking about money remains one of the biggest taboos for us as a nation. In fact, research shows that people would rather speak to their loved ones about politics or religion than money problems, according to the Money and Pensions Service.
Although it can feel uncomfortable at first, these are conversations worth having as people who talk about their finances report feeling less stressed and more in control. Opening up can be the first step towards getting help.
Retirement can seem a long time away, but it’s important to think about your future and what kind of lifestyle you would like. Money
and Pensions Service figures show that 56% of working-age adults have not done very much or anything at all to plan their finances for retirement, so many of us need to think more about saving for later life.
If you have a partner, talk to them about how you want to live in retirement. Couples can have widely contrasting views about their finances so it’s important to discuss your goals to avoid arguments!
The first step is to work out your options in retirement, and then come up with a plan. You should look at your current pension savings to work out how much more you will need to save. Tools are available to help you estimate your income in retirement, such as the pensions calculator on the Money Advice Service website.
Whatever the situation, sharing decisions about spending and saving, and discussing money openly, will help avoid arguments and tension. Talk Money, Talk Pensions Week is the perfect time to get chatting about your finances and make sure you are on track for the future you want. For any questions about pensions you can contact the Money and Pensions Service by phone on 0800 011 3797.
Talk Money, Talk Pensions Week takes place on 18-22 November 2019
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