Contemplating retirement; the wise learn from the mistakes of others.

My recollections, thoughts and mistakes (both my own and those gathered from others) on anything associated with the Teachers’ Pension Schemes and retirement.

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Puzzle solving has always been a hobby; it was chess, cards and monopoly as a child , year 9 on a Friday afternoon as a teacher, and now colleagues pension options as a retiree.

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Video Guides

I am not a financial adviser, just a teacher with experience sharing what I have learnt.

My explanations of various aspect of the TPS – teacher-to-teacher.


OK, I admit it. I got annoyed that I had thought that my pension would just keep going up if I kept paying in to it. Having missed the opportunity I’m not just going to moan without doing…this is me doing.

About me

The Government has published its response to the consultation here Had a quick run through Read more
I threw away £8,000 and to make it worse, continue to throw another £2,000 away Read more
The final salary calculation has two parts - the obvious part, i.e. the last 12 Read more
All of my spreadsheets are now collected in one section of the website. These can Read more
Could you be owed £££? If you bought additional pension with a lump sum, quite Read more
The way your pension is assessed could have used all of your £40,000 allowance this Read more
55 is the earliest you can, but it's not the only way to finance those Read more
Half your salary, does it mean pensioners have to watch every penny? Read more
The loss of 20% myth. Read more

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