3 people who I once worked with have phoned me complaining they have no money to buy their grandchildren presents and they had phoned others who had paid in, Myself and others who were in the pension scheme told them they should join when we were at work. At the time they said we were fools paying in to a pension as the government would have to look after them.
At least us fools have some money to enjoy Christmas. As I only have only got daughters and granddaughters My daughters have purchased most of the presents and I have given them most the money.
I will owe a bit more after the weekend but that will not be a problem. I will pay the rest early next week.