75-year old Rosaleen says, “I’ve worked all my life. I’ve never known a day when I’ve been off. I was a hospital nurse, then I was out community nursing, and then I was a councillor for about 15 years.” On retirement, she had expected to manage on her state pension, supplemented by a small occupational pension. “I always enjoyed having the best of stuff, but now I have to worry about money. I couldn’t go to the pictures and entertainments like that, because I would be worrying about my money, in case I needed it tomorrow. I’m probably skimping the whole way. I like to be comfortable, rather than uncomfortable.”