Thinking ahead meant Ms Baharie was able to boost the total she might be eligible for by 60 percent, from £116 a month to £194.

In order to increase her amount she did two things:

Ms Baharie made the decision to pay voluntary National Insurance Contributions (NICs) after moving to Israel when she was 28-years-old, to boost her pension.

She also added to her state pension by delaying taking it for a few months after she was eligible.

She turned 67 in November 2020 but waited until the following…