I should have spent it

I, TOO, pay tax on my state pension (Money Mail), my sole income.

Knowing I would not receive a 100 per cent pension as I didn’t have a full working entitlement, I paid a large cash contribution to secure a higher final amount.

I also deferred claiming my pension, working an extra ten years to make sure I would have enough to live on in my old age. I should have used the cash for a new car!

So much for the 10.1 per cent rise this year when the personal allowance remains the same.

My tax bill will increase, along with the cost of living.

KATHRYN NICHOLLS, London W8.