It took 10 years, three ex's, two countries, and living with my mother for a bit, but I finally paid it all off.
Ask me how I feel. The guy who took my final payment on the phone was happier than I was
this post was submitted on 13 Mar 2025
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Most people have standard defined contribution pensions now. You can probably log into some pension companies site and see how much you have in there?
If that's the case, then it's your money (locked away u til retirement) that you can move to any pension provider you like.
You can ask your company to pay some of your salary into there - therefore you don't get taxed on that bit of new salary (they might also match your contribution if you are lucky)
You can also just open a pension with another provider and pay money in. You will (eventually) get a bonis 20/40% tax refund paid in there too.