Before you speak, listen. Before you write, think. Before you spend, earn. Before you invest, investigate. Before you criticize, wait. Before you pray, forgive. Before you quit, try. Before you retire, save. Before you die, give.

~William A. Ward

Monday, January 28, 2008

How to save without drastically cutting your lifestyle

Many people are under the illusion that they don't have any room in there budget to save. As I encourage others to save the number one excuse that I hear is: "I just don't have any extra money"; yet, we make small unnecessary purchases daily that could have been saved. Everyone is guilty of it; however, it becomes a concern when these small purchases affect your savings goals.

Just by making the small changes below and investing your additional savings you will have accumulated over $820,000 over a 40 year period (based on a conservative 8% rate of return). Thus making small changes to your lifestyle can give your retirement funds a HUGE boost!

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