Ellen Reddin, 75, from Dublin, Ireland
Nothing left for emergencies
"I can survive on my pension but there's nothing left for emergencies. People do without if they have to. I come from a generation that knows how to live within their means but my bus pass, allowing free travel, is a godsend.
Forced to retire
"I live in rented accommodation and have 6 children, 18 grandchildren and 2 great grand-children who live relatively close by. My husband passed away 14 years ago. I had to leave school when I was 14 to support the family when my father died.
I worked in a factory and later as a community worker until I was forced to retire at 66. I would have really liked to continue.
Life was better for my grandparents
"Now I go to meetings or play bowls and attend classes at the University of the Third Age.
Life was probably better for my grandparents."
Source: Age Action Ireland