#EmpowerYourFuture with Scottish Widows

Bonjour lecteurs! Being a maman, it is easy to put others at first and forget about ourselves. Does it ring a bell, ladies? If you follow us on Instagram, you might have seen yesterday that I was attending the Women and Retirement Report Launch 2018 at the House of Lords. Scottish Widows research over the last 14 years has always shown that women lag behind men saving for their retirement. So where are you in your pension journey? It is time for you to #EmpowerYourFuture with Scottish Widows.

Scottish Widows 2018 Women and Retirement Report

Let’s forget about all the jazz that the party was yesterday (I had a great time with Sarah from The Unmumsy Mum and Natalie from Plutonium Sox). Time to think about your future, ladies!

#EmpwerYourFuture, Women and Retirement, Gender Gap, Scottish Widows 2018 Women and Retirement Report, The Frenchie Mummy
We had such a great night at the House of Lords

The research showed that for many women, sorting out their pension pot was the last thing on their mind. According to the report, women do not save up money for their old age early enough and therefore put themselves at risk for their future.

I am sure that it all resonates with you. In your twenties, it is all about finding a job and trying to make money. L’idée of getting retired is not top of our priorité. Getting in our thirties, it is all about settling down with Mr Right, paying a mortgage and expensive childcare. So exit the pension again!

#EmpwerYourFuture, Women and Retirement, Gender Gap, Scottish Widows 2018 Women and Retirement Report, The Frenchie Mummy
The report that I read this week

Retirement – Women at Risk

Even if the Scottish Widows 2018 Women and Retirement Report is very encouraging in many ways (the number in women saving for retirement is at its highest since the whole project), some findings still remain a concern:

  • 6 in 10 of young women aren’t saving enough for retirement
  • on average men hold nearly twice the amount of savings and investments that women do
#EmpwerYourFuture, Women and Retirement, Gender Gap, Scottish Widows 2018 Women and Retirement Report, The Frenchie Mummy
These stats show that a gender gap is still there

As soon as I read the report, I had a look around to see what was happening in France. And I must say that the results are pretty much the same. In 2016, French women were saving 42% less than men for their pension. Argh!

A Dangerous Circle

Unfortunately, women put themselves at risk when they do not get a pension as soon as possible. And I have a pretty clear idée why… It is all linked to the fact that we stop our career to become mums!

You get a job you love and then decide to have a baby. You make the most of your maternity leave but it is soon time to return to work. you then realise that childcare costs a fortune. Not worth working endless hours because all your money would be paying for a nursery? Many women then decide to become a full-time stay at home mum.

And let’s be honest, money is not always available in that kind of situation. So saving up for your pension is not une priorité!

The gender gap when it is about retirement is clearly here! But it doesn’t mean you can’t do anything about it.

Time to #EmpowerYourFuture…

You can still start little by little. It doesn’t have to be something complicated!

Scottish Widows has been helping people with their finances for over 200 years and has all the info you need regarding your pension with its  Pension Wellbeing Hub.

#EmpwerYourFuture, Women and Retirement, Gender Gap, Scottish Widows 2018 Women and Retirement Report, The Frenchie Mummy
Take the quiz to work out what is best for you

You can find your pension personality to see what would work for you and your family.

And no pressure to save up £500 a month. The key is to get started even if it is just a little.

…For You and Your Family!

And by doing so, it means a safer future for you and your family! Now that I am self-employed and that I do not have a state pension anymore, I am fully aware that I need to find a new pension ASAP.

And you know why? Because I want Baba’s future to be as smooth as possible. I don’t want to be dependent on him in my old age! He will have his own money worries when he is an adult and I want to be able to be financially safe!

Writing those lines, I can not control myself but think of my grandmother. Thanks to her pension, we are all at peace and know that all her costs are covered. The fees to pay the retirement home are covered.

#EmpwerYourFuture, Women and Retirement, Gender Gap, Scottish Widows 2018 Women and Retirement Report, The Frenchie Mummy
I want to make sure that I have my future covered for this little one

So #EmpowerYourFuture today. Take control of your financial future. Have a look now at the Scottish Widows’ page. Use the calculators and explore les possibilités. Even a small contribution will make a difference!

I will do it myself as I want to remain an independent woman, even in my old age!


Disclosure: This is a sponsored post written in collaboration with Scottish Widows – #EmpowerYourFuture









  1. Lynda Graham
    November 2, 2018 / 8:08 am

    It pays to plan for the future in these uncertain times.

  2. Claire Hennighan
    November 2, 2018 / 8:14 am

    Yes, Martin Lewis says yesterday that the percentage of your salary you save should be half your age. I’m nearly 40, so should be saving 20% – with 2 kids, I’m nowhere near that.

  3. Jean Cassell
    November 2, 2018 / 9:03 am

    It pays heed all the advice about pensions. I had to finish work early due to health problems but had paid into a pension all my working life. You don’t think it will happen to you until it does.

  4. Sandra Fortune
    November 2, 2018 / 9:40 am

    We need to plan for the future so it’s well worthwhile

  5. Martha Chisholm
    November 2, 2018 / 11:55 am

    I think the importance of proper planning for retirement is only now being recognised. It’s certainly worth paying attention to it. Even if it’s only a small amount, it can build quite a decent sum by retirement.

  6. Priscilla Stubbs
    November 2, 2018 / 12:54 pm

    It pays to plan for your future with regard to retirement. I was lucky that when I retired I was of an age when I could receive my State pension. I do think it is unfair that women, such as my daughters, will have to work until they are over 70 to received their State pension

  7. Margaret GALLAGHER
    November 2, 2018 / 4:34 pm

    Interesting read – I do plan and save too – it’s what I was taught from a very young age-

  8. gemma hendry
    November 4, 2018 / 10:20 am

    future is so scary now, i feel this is worthwhile

    November 4, 2018 / 7:01 pm

    I have not paid in enough NI contributions to qualify for a full pension due to childcare and illness, so future very scary for me

  10. Samantha O'D
    November 4, 2018 / 7:02 pm

    interesting stats, i really should start putting something away

  11. Sean eccles
    November 4, 2018 / 9:14 pm

    Some shocking statistics there! I like to save for the future as we have no control over it only what we’re doing now

  12. Denise walton
    November 4, 2018 / 10:54 pm

    Planning for the future is a good idea

  13. natalie Crossan
    November 5, 2018 / 8:30 pm

    I’m definitely not – but I really cannot afford to sadly

  14. judy kennedy
    November 6, 2018 / 12:21 pm

    I have a small pension, it’s really small, but started late and I do fear being reliant on a state pension will be hard.

  15. Hayley Todd
    November 6, 2018 / 6:16 pm

    I do worry about finances later in life. Planning for the future is always a good idea, but is not always possible for various reasons.

  16. Shelley Jessup
    November 6, 2018 / 7:11 pm

    I am very un-adult like when it comes to pensions & retirement I just dont want to think about it or act on it atm.

  17. Susan B
    November 7, 2018 / 7:53 am

    Very sensible advice and information. It is essential to get used to not being able to spend the amount put aside for a pension.

  18. Rachael Sexey
    November 7, 2018 / 8:02 am

    I haven’t got a pension but it is something that i have got to look into and quickly ?

  19. Rebecca Whatmore
    November 7, 2018 / 11:22 am

    It’s so important these days to have a pension / savings – wish I had thought about this when I was younger.

  20. Jeanette Leighton
    November 7, 2018 / 12:50 pm

    I keep telling myself I need to save though at 39 I think I have tried but it’s hard

  21. Victoria Davison
    November 7, 2018 / 2:35 pm

    Interesting read and not something I have thought too much about until now.

  22. Rebecca Whatmore
    November 11, 2018 / 8:06 pm

    Deffo important to get the youngsters saving and starting pensions early as the future is so uncertain.

  23. olivia Kirby
    November 12, 2018 / 10:11 am

    Only pension I have is the one the government does through your wages, I can’t afford any more.

  24. paula cheadle
    November 12, 2018 / 11:43 am

    It pays to plan for the future

  25. Jayne Townson
    November 12, 2018 / 2:02 pm

    Thanks for this I really need to try and save more for the future, it’s so hard to find some spare money though.

  26. Jeanette Leighton
    November 12, 2018 / 4:13 pm

    I definitely need to save the only thing is I would prefer to save for my children instead

    November 12, 2018 / 5:13 pm

    My husband died suddenly at 50, almost 5 years ago now, and I am still struggling to get straight financially so I now realise how important planning for the unexpected is

  28. Jo m welsh
    November 13, 2018 / 6:26 am

    An interesting read and definitely an eye opener.

  29. Sean eccles
    November 14, 2018 / 8:24 am

    Planning for the future is important

  30. Lyndsey Cooksey
    November 15, 2018 / 11:46 am

    It’s always good to plan something for the future. A good read, thank you

  31. Liz Deacon
    November 15, 2018 / 9:11 pm

    Good read thank you. Plan to save for the future now x

  32. Alica
    November 16, 2018 / 1:39 pm

    Some great advice and something to think about! Thank you.

  33. Anthea Holloway
    November 19, 2018 / 10:54 am

    I urge my children to think about the future and to plan for their retirement.

  34. Kristyn Harris
    November 19, 2018 / 1:48 pm

    An interesting read. I really must start thinking about my future.

  35. Carolyn E
    November 19, 2018 / 1:50 pm

    I have always been a plan ahead person when it comes to life financial planning.

  36. James Travis
    November 19, 2018 / 9:21 pm

    Always good to plan ahead

  37. Chris Hunt
    November 20, 2018 / 2:10 pm

    I have always saved for the future. Even when I was a child. My employment always included pensions plans which I contributed to. I took out additional saving plans to top up as well. Now I am retired, I am able to look after myself with plenty to spare. And yes, I am still saving for my future.

  38. Michelle Jones
    November 20, 2018 / 2:12 pm

    Thank you so much for the post. It’s literally reminded me that I have a pension plan with Scottish Widows from my old employer that I must get on top of and arrange sorting out

  39. Roisin
    November 20, 2018 / 2:55 pm

    Wish I had got my act together earlier in life in terms of pension planning and savings

  40. Alison Johnson
    November 20, 2018 / 7:34 pm

    I did start early saving for my retirement but then found out I’d been conned by a private pension (long story) so then just stopped. Now in my 40s I wish I’d sorted it all out in my 20s as I have nothing in place.

  41. Melanie bradley
    November 21, 2018 / 2:49 am

    So many people need to read this

  42. Nicola Haywood
    November 21, 2018 / 9:10 am

    Definitely worth planning for the future, I only wish I’d thought the same when I was younger!

  43. Tess D
    November 21, 2018 / 11:39 am

    my dad drummed into me about pension planning from being a teenager! so started a plan when I started my first job – it is really important x

  44. Sarah Morris
    November 21, 2018 / 4:56 pm

    It’s worthwhile to plan

  45. Maria Jane Knight
    November 21, 2018 / 5:09 pm

    Those retirement stats are crazy! What a worry that is. Sadly we have no savings, but once i’am back at work full time we will most certainly be putting money away each month.

  46. kelly wheelhouse
    November 21, 2018 / 7:58 pm

    I pay into my workplace pension, but I’ve calculated online and by the time I retire it won’t be worth very much! It definitely pays to plan ahead because I can increase the amount I pay into my work pension so I can have a better future. I’m still really young, but it’s always worth thinking about!

  47. Michelle Sykes
    November 21, 2018 / 8:18 pm

    This is something I need to address I have been burying my head in the sand for too long

    November 21, 2018 / 9:23 pm

    Planning for the future is vital but not always easy financially

  49. Tracy B
    November 21, 2018 / 10:35 pm

    This is such an eye-opener. It’s something I’ve always struggled with and I think it’s important to educate our own children on planning financially for the future.

  50. Jane Gorton
    November 21, 2018 / 11:12 pm

    Planning is key and I always remind my Son of this. You never know what can happen in the future.

Leave a Reply

Your email address will not be published. Required fields are marked *