Shirley Lindley is 54 and a Business Development Manager from Sheffield. She now has a pension, having started saving later in her career.
"My name is Shirley and I work at a university. I’m divorced, have two daughters and recently became a grandmother!
I began my working life as a nursery nurse. Back then retirement seemed a long way off and at the time I felt that I didn’t earn enough to put money into a pension.
After having my children I went to university to increase my skills and earning potential. When I graduated I started working at the Royal Mail where I was automatically enrolled into my employer’s pension scheme. By then I was in my early thirties, but the employer contributions still made having a workplace pension worthwhile for me.
When I was in my 20s I didn’t understand much about finance, but by the time I was in my 30s I was becoming concerned that I didn’t have a pension.
Being able to manage financially in later life is important to me. My father lived on a state pension during his retirement and it wasn’t always enough, so he sometimes needed help with big purchases and paying for holidays. Having a good pension will give me the freedom I want in later life without having to rely on anyone else. I would also like to do more volunteering for good causes.
I’m in favour of everyone having pensions through their workplace. I think that with employer and government contributions, as well as tax benefits, it really does make good sense. I believe that the earlier you start the better, and I’m glad that my children have been paying into a pension from day one of their careers.
I didn’t get round to starting a pension until later in life, but I’m glad that I’ve got one. I’ve still been able to build up a useful sum which will give me options to do the things I want to do in my retirement.”
© Crown copyright 2012