I'm currently doing secondary supply work in Scotland and have been on and off since August last year. With the job market looking fairly grim and a long summer looming I decided a month back to opt out of the pension contributions so I'd have money over the summer for important things like mortgage payments and putting food in my kids mouths. I'd been teaching for just under two years so I was entitled to do this. Since then though a few temporary jobs have cropped up and I'm in the running for a couple of them. I'm now wondering if opting out was a good decision and whether scrimping and saving over summer would have been the better choice. Has anyone else had this experience and how easy will it be to opt back in later if I secure a job? Will there be a big effect on my pension in 25 years time or so? Any advice or comments would be most welcome..