People underestimate what their costs of living in retirement will be in three critical ways: Assuming you’ll spend less in retirement than while working: The majority of people have never really sat down and calculated what they’ll need every month.You need to be comprehensive in listing out all expenses. List everything you might spend in… Continue reading Three Ways You’re Underestimating Retirement Costs
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Holiday Shopping: Spend Less, Enjoy Life More
Two months before Christmas, the National Retail Federation predicts 3.7% uptick in holiday spending. But at the same time consumers report a big decline in financial security in part because many people are struggling with too much debt. With consumer debt topping a record $3.47 trillion, we can all use practical advice for reining in… Continue reading Holiday Shopping: Spend Less, Enjoy Life More