Dear Miriam,

Since the start of this year, my husband and I have managed to save a considerable amount of our pension. He is on a contributory OAP and I am on a non-contributory. It has come about because our lifestyle has changed massively due to COVID-19. No mass or visits to pubs or daily papers. I now feel we are being overpaid. How can I solve this easily? Please help as it worries me a great deal.