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@travis97 64 you is unlikely to be alive at the current life expectancy rates in the UK.

@drstevejsock I agree. The reason most people get into debt at all is due to lack of savings and frivulous spending. The OP has already admitted they had a spending habit and are working on sorting that out. That should be their second priority after paying off the debts. You would not need to...

@drstevejsock And there is no guarantee they will still be alive at retirement age. The only people I know who can afford to pay into pensions right now who have zero debt are friends on high salaries with zero mortgage or rent outgoings. I've got friends who pay into pensions but could do with...