Kuttawa, Kentucky, 42038 42055 dating chat
Write a message


  • What is my age:
  • 29


And that means spending less money. But lots of your smaller expenses can be changed. Cut back on expensive coffees by only going once a week and brewing your other cups at home. Cutting small purchases out of your budget and putting that money into savings will do wonders for your long-term financial health. Instead, you need to create a budget, so that you can plan your spending and then track it each month. This will provide you with you helpful charts and graphs that will allow you to see where you can cut back.


Get your free retirement assessment.

Budget for savings

And with more money to invest, you can use the magic of compounding interest to reach your retirement goals. I recently met with a client who is financially successful.

But, there was a problem. Like most retirement savers in America, he spent most of the money he made.

Fortunately, we were able to bring the issue to the surface and get our client back on track in a hurry. As their financial plannerswe followed our rigid multi-step process to get his savings back on track. While not all of these strategies will apply to you, implementing just a few could save you thousands of dollars per year.

Call a vendor you make regular payments to such as cable TV, cell phone carriers, or trash service. Thank them for their wonderful service and then … ask for a discount. Let me preface by saying this is not an attempt to get out paying for a service you most certainly owe money for. Yesterday, my wife received a bill in the mail for a test she agreed to have done.

How many times have you neglected to make a quick phone call because you were too busy? You might be missing out on hundreds — or even thousands — of dollars. Learn how to reduce taxesinvest smarterand make work optional in retirement. To save money, it usually makes more sense to buy instead of lease.

With leasing, however, you will never own your vehicle.

You will forever be making monthly payments towards an asset that loses value by the minute. The bottom line: To save more money, consider ditching your lease and buying a used car with low mileage.

But tracking your spending is the real secret if you want to save money. In fact, our most financially successful clients know where every penny goes each month. Which makes it impossible to how and where to save money. For you, it might be at the start or end of each quarter. The key is to create a reliable, repeatable system that works for you. Stick with it and watch the magic happen. You have to pay to get into a concert, after all, and nobody is letting you into your local theme park for free.

Challenge yourself to see how much fun you can have without spending any money. You get the point.

Learn how to lower taxesoptimize investmentsand retire with confidence. It covers a wide array of financial topics in easy to understand language. Figuring out how to save more money can be a time-consuming task. Perhaps you have forgotten subscription services.

Free retirement assessment

Check out TrueBillan app that finds and cancels unused subscriptions. Tally is a solution to consider. There are dozens of other money-saving browser plugins. If you need to make things as easy as possible, a crockpot or Instant Pot can also help.

You can also get an over-the-air antenna to get free TV. Heck, you can even catch NFL football games for free! By asing cleaning chores to your kids, you can teach them about hard work. The same advice rings true for the work around the home, including gardening or home improvement projects.

You can easily spend a ton of money on travel. Most of the time, it depends on your flexibility and your desire to save money. If your goal is spending less, there are all kinds of strategies to consider.

Tips that can help reduce your travel budget include:. Far too many people pay only the minimums on their debts each month without ever taking the time to figure out what their debts cost over time. Unfortunately, this can lead to paying hundreds — or even thousands — of dollars in interest each month.

You may also want to start the process by tracking your spending for a while.

Our free assessment will show you step-by-step how to reduce taxes, invest smarter, and optimize retirement income. Table of Contents What Is an Annuity? Table of Contents What is a Credit Score? Your Credit… Continue Reading. Continue Reading.

Record your expenses

Want to optimize your retirement plan? Grab our Retire-Ready Toolkit! Click to Download. Table of Contents. Free Retirement Assessment Our free assessment will show you step-by-step how to reduce taxes, invest smarter, and optimize retirement income.

We want you to know exactly how we can help before you pay us a single dollar. Learn More.

This field is for validation purposes and should be left unchanged.

New women


We include products we think are useful for our readers.


Sometimes the hardest thing about saving money is just getting started.