Retirement Investing and Maintaining a Budget
create and maintain a budget. It’s easy, simple and can be fun.
Take an inventory of expenses with a list. You must include everything
in order to get an accurate accounting for your retirement investing.
Don’t forget the simplest of expenses. I.E., purchasing of lottery tickets, gas for the lawnmower, incidentals, etc. A great way is to
keep a log and receipts for everything for a least one month.
Next, calculate income. Your main income, side income, investments,
etc. Does your income cover your expenses. It should with a surplus.
You may need to add some new expenses in your retirement investing.
Remember, you are investing in your retirement by calculating the cost of everything. Keep in mind that an executed budget will allow you to not only meet your expenses, it will also enable you to pay back
outstanding debt, meet monthly expenses and place money into your
savings or retirement investing.
Reduce your spending habits. You will see this by your log & receipts.
Maybe you can bundle your insurances. Home, auto, life, health. Check with your agent.
How can you save any monies these days? Well, first you have to put yourself first on your list of monthly expenses. Before you stroke any checks or online bill pay, you must set a certain amount for your savings account. An additional way to save is to put all your change at the end of the day in a jar. At the end of the month you will have accumulated more than you think. When you’re at the store and it’s time to pay, pay with bills and don’t use any change in your pocket.
You may feel discouraged at first. However a little tweaking may have to take place every now and then.
All of these tips will certainly help you in your retirement investing and planning.
Adjust your attitude and your lifestyle. You will benefit.
Ric Dalberri is a graduate of Columbia State University & has been involved in his own business (sold) employing over 100 people. As
well as being a top producer as a Financial Specialist for over a decade with one of the largest financial institutions in the U.S., Ric has many years experience in sales and management. Ric was also a mentor in
the financial arena as well as a volunteer teacher for Junior Achievement.
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