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Talking to a young 20's lady I know today - she's on a disability pension due to family circumstances but is capable of working full time if she wanted but she won't work more than 16 hours a week or she will lose her pension. To me, I just don't get it. I know many people pensioners who...

We are very frugal in many ways - but it means we have cash for other things that we want/need ... we would be lucky to eat out 4 times a year ... last time I went to the pictures was - um ... but it does mean that I can get the lights I want for the new PPOR ... but I did buy the lights online...