Halloween! You’ve just been paid because it’s the end of the month and the hard-earned cash in your bank account has made like a ghost and mostly disappeared into the ether!

How spooky is that?

Sure, you paid your monthly direct debits and sure, some of the outfits your bought the kids to go trick-or-treating were a bit excessive, but now it's back to reality and the push to make anything left last the month until you get paid again. Just don't mention Christmas yet!

Does it matter if the excuse this month for not putting any long-term money away is Halloween? It could be Christmas, Easter, summer holidays, birthdays, the car insurance - they all have a call on your money throughout the year and as the years tick by, so does the opportunity to make sure that you will have enough for when (or 'if' if you don't plan) you retire. Ah! Retirement! Perhaps a nightmare if you don't plan it?

Now you might suggest that all is under control because your boss put you into a pension scheme some 3-4 years ago or so and they are paying in as well. Great! But in reality, it's not normally a huge amount being paid in overall, and it's worth considering whether you can afford to pay more in yourself. Plus, you should check your State Pension as well, to see where you are and whether there is the opportunity if needed to top up if years have been missed in the past. You can do this check here: https://www.gov.uk/check-state-pension

Lost a pension along the way? This Government website might help: https://www.gov.uk/find-pension-contact-details

Most people's income in retirement will not come from one source. Most move around in their careers and have a bit of pension here, and some retirement savings there. It's the combination of these that will add up to the overall income that you get when you stop work. Our free SaidSo Wealth Dashboard app might help you look at your current wealth and what it might mean in the future. Check the SaidSo website for more details.

Do what you can for your future…you don't want to turn into a pumpkin!