So today I rang the pension company and informed them of my increased contributions. The young woman I spoke to congratulated me on making the change, wondering if I had had a pay rise.
I am pleased to have taken this action; it feels good to have immediately diverted the money saved into something specific, particularly into the pension. It does not feel very helpful to save money, if the difference is then swallowed up in general spending.
However, as I have mentioned before, I do like spending money on clothes, so the cut in spending money may be a bit of a challenge for me. I will see it as a test of my ingenuity....We will see how I get on.