I amaze even myself sometimes! I am always really well prepared for everything unyet I have nothing saved towards my retirement at all. I was put off pensions because I thought that an annuity was too restricting. However, I understand that they are better these days and that should not be an excuse for not saving anything at all. I have become obsessed by paying off the mortgage and although, that is obviously a great thing, it is not going to help me unless I use the money that I save by paying it off early, to invest in something decent for my retirement.
I feel guilty about cashing in investments to pay for the new bathroom but it is a job that needs doing and we have waited too long already. We will just have to hope that the interest rates stay long for a long while.