I am very lucky, I was born 1 January 1950 so will get my pension at 60, however because of the pensions reform, anyone attaining retirement after April 2010 will only need to have worked for 30 years to qualify for a full pension, whereas people retiring before then need 39 years. I have not worked for 39 years so will not get a full state pension. I could pay extra contributions to make it up but feel I would rather keep that money myself, not sure I feel confident enough to pay it over, as who knows what is around the corner, I may not live long enough to recoup it!!
Sorry that sounds morbid but its not.

I did not appreciate until I read Julie's post that the state pension age was going up to 68!

Helen