For 15 years, the triple lock has ensured bumper growth to the state pension – helping to transform the living standards of UK retirees.
It has been one of the most successful personal finance policies of the recent past, reversing years of stagnation and decline in the state pension since the 80s.
But it has also become unsustainable in the eyes of many economists and policymakers.

How to be more grateful for daily life in five easy steps
The world feels like a difficult place at the moment, and it can feel very hard sometimes to find things to be thankful for; when we are overwhelmed, we have less capacity to notice and reflect on the good things. Yet, ironically, proactively cultivating gratitude is one of the things that can actually help us feel less stressed.
NHS GP dR RADHA

The science
Research has shown that feeling or expressing thanks can actually alter our brain.
- The balance of neurotransmitters change; more serotonin and dopamine (feel good chemicals) are produced.
- This can be long lasting if we make gratitude a regular habit.
- We also get a decrease in our cortisol (stress hormone) levels which helps lower anxiety.
- Being grateful can strengthen the nerve pathways which triggers positive emotion.
How can we build gratitude?

Change your words
Instead of seeing something as a problem, try to see the opportunities within it.
Our brains are very receptive and what we read or write can alter our emotional system.


Express it
This will not only make you feel good, but you will also get a positive response from others.
How can we build gratitude?
Notice more
Throughout your day, try to notice all the things that are going well; has someone opened a door for you, or smiled?


The basics
By being thankful for the small things every day, we are far more likely to be and stay healthy so that we can enjoy them.
What to do
Gratitude can lead to feelings of optimism, lower our blood pressure, and improve sleep quality.
- Write down what potential good aspects there are to the things you don’t feel like doing, or even what could be worse about it.
- Spend a few minutes writing down three things that you are looking forward to that day, or the good things that have happened to you that day.
- Say thank you to yourself for the things you have achieved, or managed to get through and changed that day.
Sales of battery
electric vehicles hit a record high last year.

Starts at £22,995 for the smaller battery
Available with either a 40kWh battery or a larger 52kWh pack, that offers almost 255 miles, the latest, retro-inspired Renault 5 is both a joy to behold and a hoot to drive.
The interior has been lavished with a level of detail that’s typically reserved for more expensive cars.

A champion of EV efficiency

It offers a remarkable 491 mile range on a single charge from the 85kWh battery.
It is a technological masterclass inside with the ability to option screens that span the entire width of the dashboard, including an optional display for the front passenger.
Priced from £37,400

It’s a lot of money to part with, but this is arguably all the car you will ever need.
The £89,000 Macan is a premium SUV that somehow manages to blend Porsche’s reputation for dynamics and sporty driving with everyday practicality.
The 95kWh batteries can go from 10 to 80 per cent in as little as 21 minutes from the fastest public charging outlets.
With the business class-style six seat configuration costing a staggering £76,995, it is by far the most expensive Kia ever made, but it backs up its financial demands with a suite of genuinely useful and impressive onboard technology.


It’s fast, goes a long way between stops and charges relatively quickly but the interior is bland, the onboard technology is infuriating and the experience is devoid of emotion.
All of its gadgetry can’t disguise the fact that performance is weak, even for a typically zippy EV, the ride is fussy at slower speeds and it’s not in the least bit enjoyable to drive on a country road.

- While good value (prices start at £17,935) for the 200-mile max range, there are more interesting options from Hyundai, Citroen and Renault for similar money.

The kitchen gadgets under £25

Victorinox paring knife
It’s comfortable to hold, with a point sharp enough for scoring pastry.
ProCook cast iron pan
For unbeatable searing and heat-retention, cast iron is the top choice.


Tesco chopping board
Priced at just £22, I’ve yet to find another board that matches it for sheer value and quality.
The kitchen gadgets under £25
Pyrex jug
It is the perfect vessel for blending smooth sauces, melting butter, or warming stock. It won’t stain like plastic and the red measurements never fade.


Salter scales
“I’ve had my slim little set of Salter Disc Scales for over a decade, and I’m delighted to see they are still made to exactly the same reliable design today.”
Microplane grater
It uses photo-etched stainless steel teeth that stay razor-sharp for a decade, something the lookalike copycats simply can’t match.
Braun hand-held blender
It’s an essential for everything from making velvety soup to getting the lumps out of white sauce.
Bodum cafetiere
As well as delivering great results, cafetieres are easy to clean and there’s no ongoing filter paper costs or pod recycling to deal with.
The kitchen gadgets under £25
Oxo peeler
What truly sets it apart is the chunky, rubberised handle that absorbs pressure and stays completely non-slip, even if your hands are wet. It is inexpensive and incredibly durable.


Falcon pie dish
Made by fusing porcelain onto heavy-gauge steel for smooth durability, it is dishwasher, freezer, hob, air-fryer and oven-safe.
The golden rules for a happy, secure relationship
Psychiatrist and neuroscientist Dr Amir Levine, author of bestselling book , explains why we behave the way we do in love.

Golden rules for happy relationships
Start with your own behaviours
The foundation of a secure, connected life is being what I call CARRP: that means being consistent, available, responsive, reliable and predictable. All of these qualities can be enacted in small gestures every day.


Express your needs
People need consistency and connection to feel safe. This is not, ‘You hurt my feelings by never replying to me’, it’s more ‘this is the kind of contact that helps me feel secure’.
Golden rules for happy relationships

The appendix ‘inflammation’ rule
If a relationship repeatedly inflames your nervous system, you need to disengage and deprioritise it.
Lean on community
You don’t need hundreds of friends. You need people and places that regularly remind you that you belong.


Stop blaming childhood
Humans are much more complicated than: ‘this happened to you, therefore you are doomed to be anxious’.

Reach for a
secure script
When something unsettles you in a relationship, your first reaction is not always the most accurate one.
If you’re anxious, your brain may jump very quickly to: ‘this is the beginning of the end’. If you’re avoidant, your brain may say: ‘this person wants too much from me, I need to get away’. So one very practical thing you can always do is pause and ask: ‘What would a secure person do here?’
Loneliness elsewhere
When people talk about loneliness, they often assume it means you don’t have enough people in your life. But you can be surrounded by people and still feel lonely if those relationships leave you feeling excluded, ignored or disconnected.

What to do
- Build a community that works for your temperament and gives you regular, reliable moments of connection.
- You can still be kind to people while not treating them as someone who belongs in your inner circle.
- Explain what you need. Sometimes people simply don’t realise how you are experiencing them.
- Check in with people: does this person actually feel that I’m reliable? Do they experience me as predictable? That’s the only way that you can start to become more secure.

Do some foods leave
you feeling hungry rather than satiated? Experts say there are…
Foods that leave you hungrier
A bowl of cereal and glass of orange juice
More refined cereals are digested quickly, and fruit juice, whilst one of your five-a-day, contains less fibre than whole fruit. This might mean you find yourself hungry again within 1-2 hours of eating this breakfast.


Swap the orange juice for a whole orange, the cereal for oats and milk or serve it with Greek yoghurt or a boiled egg. This would increase the fibre and protein content; two nutrients strongly linked with fullness.
Foods that leave you hungrier

These pastries are made primarily from refined flour and butter, and are relatively low in protein and fibre.
Toast and jam


Shop-bought packs can contain a lot of white rice, which is digested quickly, and the protein content is often modest.
Foods that leave you hungrier

Vegetable soup
On its own, it is often very low in protein and calories, so hunger can return quickly.
Unless it’s loaded with veggies, it’s probably pretty low in fibre.


Liquids are generally less filling as they require little chewing which may not trigger satiety signals.
Foods that leave you hungrier

Snack bars
They are ideal for a quick pick-me-up, but if reducing hunger is what you’re after, it’d be better to swap it out.
Low-fat yoghurt
A full-fat plain Greek yoghurt with berries and seeds tends to be much more filling due to the protein, fat and fibre.


On an empty stomach, it can actually increase your appetite.
What to eat instead
Instead of thinking about avoiding foods, think about what you can add to them.
- Add beans, lentils or shredded chicken to your vegetable soup and pasta.
- Thicken your smoothies with Greek yoghurt, chia seeds and oats.
- Apple slices with peanut butter, yogurt with berries and hummus with oat biscuits are better snack options than a pre-made snack bar.
- Have alcohol alongside a balanced meal containing protein and fibre.
How to age well
without pain
Will Harlow, a physiotherapist
for the over-50s and author of Independence for Life, shares
the key signs you’re ageing
badly – and what to do about it.

How to know
Ageing well is maintaining the ability to do what you want you want for as long as you want without needing help. Everyone is talking about longevity but what’s the point in living longer if the last decade is painful and you’re [totally] reliant on people?”

The signs to look out for

- The most obvious early warning sign of bad ageing is pain says Harlow.
- Another is losing confidence in doing daily tasks, which can quickly lead to a lack of independence.
- One call Harlow often receives is people calling after having a fall and struggling to get up.
How to age without pain

Not just stopping
When people retire, they often put their feet up and stop. Your body really is use it or lose it.
Throughout our entire lives, Harlow says we need between seven and nine hours of sleep.


Social isolation
The lack of connection can increase the risk of premature death by
as much as 29 per cent.
Strength training
It really is the proxy for
overall independence.
The more muscle mass you have, the less chance of heart disease, diabetes, falls and even anxiety, depression and dementia.

The brain can be linked to muscle mass too, Harlow says. It’s not just about being able to lift things. It gives you more energy, better sleep and you’ll look and feel better.
How to age without pain
Daily habits
Do short bursts of exercise, between 30 and 60 seconds, in otherwise dead time during the day.


Stretch in bed
Take joints through a full range of motion for five minutes to loosen it before getting up.
Don’t crash diet

How to age without pain

Harlow advises 1.6 grams per kilogram of body weight to stop muscle loss alongside resistance training.
Don’t wait
Harlow finds that many patients put off making a change to their lifestyle until their lives are consumed by pain.


For most people, it’s about reducing the number of times per week you’re exercising, not reducing intensity.
The three ageing tests to do
- Lie completely flat on the floor and get back up to a standing position using any technique. This should take less than 10 seconds.
See how many times you can sit on the chair and stand back up again in 30 seconds. Men should be aiming for more than 14 times and women 12.
The single-leg stand, which involves standing on one leg and balancing for 10 seconds. Everyone should be able to do that and for those under 65, Harlow asks them to do it with their eyes closed.
Despite the job market hiring fewer entry-level roles, employers are still looking for grads…
But you should be prepared to keep an open mind.
We’ve compiled the sectors hiring graduate roles, what degree is required, and what they pay.

The degrees to choose for a career
Hiring in the UK could
finally be on the up
47%
of employers offered entry-level
positions from July.
That is up nearly 15 per cent from the same period last year.
700,000
But graduate unemployment rose to six per cent in 2025 and 700,000 jobless graduates were claiming benefits.
Finance and insurance
- Around 42 per cent of UK finance and insurance employers say they will be open to graduate roles this summer.
- Business loan company Portman Finance Group has taken on 50 graduates over the past four years.

Portman graduates start on £36,000 for the two-year programme and the education you need to apply is a minimum “ABB” of A-levels, and a 2:1 or above university degree. But not in a specific subject.

Trade and logistics
What makes it particularly rewarding is that there’s always something to learn.
Nearly half (47 per cent) of trade and logistics companies will be giving graduates a go this year.
Salaries start at £30,000 with an uncapped bonus, rising to £50,000 plus a company car as a senior account partner.
Public sector, health
and social services
46 per cent of public sector, health and social services organisations are also ready to take graduates, according to a survey by Manpower.

- For example, Police Now runs a graduate programme into policing. They recruit graduates from any degree field, as long as they achieve a 2:2 or above. Starting salaries range from £31,164 to £42,210 depending on location and rising each year.
Can we treat guests without blowing our budget?
According to Waitrose, a dinner party revival is underway led by younger people trying to reduce the cost of getting together.

Always have bread
People will feast on the
ELLA RISBRIDGER, AUTHOR OF THE KITCHEN BOOK – GOOD FOOD FOR EVERY DAY
bread, and then need less fish/steak/expensive whatever. All small plates restaurants know this: this is why the first thing on the menu is always artisan bread and butter.

Use vegetables as centrepieces


Add pantry items
Graham’s recipes include a braised cabbage with a preserved lemon sauce, a roast cauliflower with saffron, and harrisa roast carrots with mango labneh.
How to host on a budget

Improve the everyday
Guests will always appreciate a stellar interpretation of the ordinary. Think lasagna or curry.
Cooking dinner for your guests is spoiling them – you’re being generous with your time, your effort, and your home. So don’t feel the need to go overboard elsewhere.


Ask for help
Ask friends to bring a contribution, be it a nibble or a pudding.
Big platter energy
[Presentation] can be the key to elevating something . Spaghetti and tomato sauce suddenly looks like a feast when tumbled on a lovely big plate, dressed with olive oil and parmesan and placed in the middle of the table.
Food writer and editor Eleanor Steafel

How to host on a budget
Taco party
Have one expensive filling, like shredded chicken, and two cheaper options, like refried beans, says Ella Risbridger.


Shop-bought ice cream is so easily zhuzhed up with the help of handy toppings, says Eleanor Steafel.
This week, Andy Burnham pledged to replace the triple lock from 2030 if he wins the next general election, using the cost savings to fund his social care plan.
Analysis by The i Paper, verified by multiple experts, indicates how pensioners are now likely to face a slower rate of growth in their income over the long-term.
Under the triple lock, state pensions rise each year by the highest of 2.5 per cent, average earnings growth or inflation.
Burnham has pledged to alter the lock so that the state pension increases by 2.5 per cent or inflation each year. He has promised a backstop to stop it falling behind its level relative to earnings once the lock is adjusted, but the annual link to wage increases is being removed.
Crucially, this ends the expensive “ratchetting up” effect – which means if inflation spikes one year and wages lag, the pension jumps with inflation. If wages surge the next year to catch up, the pension jumps again with wages.
If this policy had been introduced in 2011 instead of the triple lock, the full basic state pension could be around £564 a year lower than the current level of £184.90 per week, analysis by The i Paper suggests.
While this is an analysis of a hypothetical scenario, it gives an indication of how the change could affect state pensions over time.
Sir Steve Webb, who was pensions minister when the triple lock was introduced in 2011, told The i Paper: “The new approach will give a lower pension rate [than under the current triple lock] and the longer the new policy is in force, the bigger the difference will become.”
Burnham announced the cut to the lock to save money which can then be redirected to funding a new “National Care Service”.
How state pensions would look if Burnham’s policy had been introduced instead of the triple lock
Since the triple lock’s introduction in 2011, the full basic state pension – given to older pensioners who hit state pension age before April 2016 – has increased from £102.15 per week to £184.90.
Analysis by The i Paper suggests that if Burnham’s lock had been in place for the past 15 years instead, it could have risen to a lower amount of £174.05, meaning some pensioners would receive around £10.85 a week, or £564 a year, less.
The analysis, verified by three experts, took the basic state pension rate from 2011-12 – £102.15 per week – and uprated it by the higher of inflation or 2.5 per cent each year – as is Burnham’s plan.
The analysis then compared the numbers to the actual increases to the state pension, under the triple lock.
There are six times since the lock’s introduction that the earnings figure has been used to increase the state pension – 2016, 2019, 2020, 2024, 2025 and 2026 – and in these years, the state pension would have increased by a smaller amount under Burnham’s mechanism than actually happened.
Burnham says he will ensure that the state pension does not fall behind its position relative to average earnings over time.
The analysis assumes he would not have had to do this at any point in the past 15 years, as if his mechanism had been in place since 2011, the state pension would still have increased by a faster rate than if it were linked to wages. But it remains to be seen exactly how he’ll implement this part of the policy.
Analysis shows why the lock is such a ‘difficult political issue’
Experts said the analysis showed why the triple lock was such a “difficult political issue” – as slight changes to the uprating system can make a significant difference to pensioner income.
Adam Cole, retirement specialist at wealth manager Quilter, said: “A series of seemingly modest differences in annual uprating would, over 15 years, have left the state pension nearly £11 a week lower than it is today.
“While some of the lowest-income pensioners would have the impact cushioned by means-tested support via pension credit, for many retirees who depend heavily on the state pension, it would represent a noticeable reduction in annual income.
“The figures underline why the triple lock remains such a difficult political issue. It has been successful in raising the value of the state pension and improving pensioner incomes, but that success comes with a growing cost to taxpayers.”
Webb, now a partner at pension consultants LCP, added: “The new policy will clearly take time to have an impact.
“If the reformed triple lock had applied since 2012, it would have had no impact for several years. This illustrates the fact that the savings from the new approach may take time to build up.
“But eventually, the new approach will give a lower pension rate [than under the current triple lock] and the longer the new policy is in force, the bigger the difference will become. Although the calculations are complex, the message is simple – the new policy saves many billions of pounds by reducing the long-run rate of state pension increases”.
The Institute for Fiscal Studies said that the old triple lock had increased annual state pension spending by £16bn by 2026–27. If the new triple lock had been in place instead, spending in 2026–27 would be £9bn lower than it currently is, it said.
Other parties still pledging to keep the lock
Burnham pledged to water down the triple lock at a speech at the Labour Party conference this week, and claimed the money saved from the move would help fund a “National Care Service”.
But the move is likely to be politically difficult. More than half of all voters – 53 per cent – want to see the triple lock remain in place, while 13 per cent are opposed, according to the survey by BMG Research.
The government’s budget watchdog, the Office for Budget Responsibility, previously warned about the cost of keeping the lock, saying that state pension spending would rise to around 9 per cent of GDP by 2075-76.
But Labour’s main opposition parties, Reform UK and the Conservatives, have each so far pledged to keep it should they win the next general election, scheduled for 2029.
A Government spokesperson said: “This settlement is a better deal for pensioners and their families. We are ensuring that the state pension system is built to last for the pensioners of today and tomorrow.
“We are committed to the triple lock for the rest of this Parliament, and the adjusted triple lock will build on the gains the policy has made for pensioners in raising the state pension.
“This means the state pension will always increase by at least the highest of 2.5%, CPI inflation or a new earnings link – so that the state pension will never fall below its record high level when we adjust the current triple lock.”
Will pensioners be poorer as a result?
Pensioners won’t get poorer as a result of Burnahm’s policy, in the sense that their state pension incomes will always keep up with price increases, and won’t fall behind their current level relative to average earnings.
It is possible, as the analysis shows, that their pensions will increase by a slower rate than they would do if the triple lock were maintained.
Around 10 per cent of pensioners are expected to retire in the 2060s with not enough money to meet the minimum needed for a basic standard of living, as calculated by the PLSA (Pensions and Lifetime Savings Association).
However, this is down from 17 per cent of those retiring in the 2020s, and reflects that workers in their twenties have time to build up reasonable pensions under the auto-enrolment system.
This could support the argument that a triple lock will be less necessary in future as people will have more of their own pension to rely on.







