I just opt out of it to avoid the admin hassle. It's another of those massively unfair scenarios whereby a household income of £100k could get paid the full whack (£50k+£50k) whereas a household income of £60k could get nothing (£60k+0).
I have considered doing the whole pension contribution thing to get benefits back and avoid more tax etc - would probably make a lot of sense but can't be arsed to sort it out and there's always a little bit of me thinking it would be good to have a lot of funds available if we decided to move house etc.
I have considered doing the whole pension contribution thing to get benefits back and avoid more tax etc - would probably make a lot of sense but can't be arsed to sort it out and there's always a little bit of me thinking it would be good to have a lot of funds available if we decided to move house etc.