In our new Pension Diaries series, we will be speaking to people of all ages in the UK to find out how much or how little they have saved for retirement and the realities of putting money aside for your future.

Today, we speak to Judith Howard, 79, who lives alone in Wandsworth, south London, in the house she grew up in with her parents.

Judith worked building organs for churches and fairgrounds as well as part time in an office and only retired at the age of 75.

She says that life as a pensioner is a struggle and she has to watch every penny – and lose out despite working hard all her life due to frozen income thresholds.

Monthly pension income

State pension: £950

Private pension: £280 from an annuity

Total: £1,230

What was your occupation and how much did you make?

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