Do You Need a Budget?

The 2015 scheme of the pension is linked to state retirement age. If you want to retire early you either get an actually reduced pension which is just reducing your pension or you can fill in the gap between your desired retirement age and your actual retirement age. The key thing I would say is to try and keep things as fixed as possible so if you have a starting point of your income then we really need to try and fix the likely expenses as much as you can. It's all about planning really as we mentioned before about having a plan whether that's for a pension provision or just planning your day to day life and expenses.