"The biggest message from this analysis is the cost of delaying when you start to save," says Patrick Bloomfield. "The challenge is, when they're in their 20s and 30s people are trying to save, they're trying to get on the housing ladder, they're being young and having fun. There are lots of calls on that money." However, the figures show that there is an alternative option for those who haven't started saving by the age of 45. If they are prepared to delay taking the income for five years beyond their current state pension age, they can reduce their contributions to 418 a month, or 28% of their earnings. But not many people will want to be working at the age of 72. Indeed, some will find that ill health stops them doing so anyway. 30,000 target Someone who is a higher earner may wish to save more. This table shows how much they would need to save monthly to buy an annuity that pays out 30,000 a year. If they are on a salary of 52,728 - double the national average - this process is currently made easier for them by the fact that the taxman will give them a rebate of up to 40% of their income tax. Thus a 25-year-old would need to save 342 a month, while a 35-year-old would need to put away more than 500.
Please use a supported version for the best MSN experience. The Viral Skin Care Mask Emma Stone Used to Get Ready For the Golden Globes By Kelsey Garcia of PopSugar | < PREVIOUS SLIDE SLIDE 1 of 3 NEXT SLIDE > The Viral Skin Care Mask Emma Stone Used to Get Ready For the Golden Globes Just before hitting the 2017 Golden Globes red carpet, Emma Stone pampered herself with one of the latest trends to emerge from the Korean skin care industry: the lip mask. Emma's makeup artist, Rachel Goodwin, shared the quirky picture of her client with a lip mask on. Her caption read, "Some say beauty is pain, others say it [sic] just ridiculous!" While lip masks might look "ridiculous," as Rachel noted, they have proven to be hugely popular as of late. Just last year, Kim Kardashian shared a picture of herself wearing a lip mask with her Snapchat followers. Lip masks do vary by brand, but they are typically used to hydrate and slightly plump lips more than a regular lip product would. If you're interested in trying the Instagram-worthy trend at home, one popular brand to consider is KNC Beauty , where a pack of five masks is priced at $25. Patchology has a 24-pack of its lip gels for $50. For a more affordable option, try Sephora's mask , priced at $3.
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