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@rich4u2 Its not a defined contribution pension, its a defined benefit. Or at least, as far as OP is concerned it is. It only becomes a defined contribution pension for earnings over an amount that escapes me right now, but which is much higher than OP will be earning.

@curlysouffle You can definitely cut the food bill, but only if you're willing to restrict your diet a bit. I'd suggest writing it a weekly food menu, and cost everything out. Then look at individual ingredients you can swap out to make things cheaper. For example, buying half the amount of...