In these rough economic times, it’s quite common for people to spend money they’ve saved up for retirement just to stay afloat. If the choice is losing your home or dipping into your retirement funds, that’s not a difficult choice for most people.
However, if you’ve found yourself needing to start over your retirement savings, there are definitely a few steps you can take to get the ball rolling in the right direction again:
1. Assess your budget
Before even planning on saving for retirement, you need to put your budget on paper. List all your expenditures and all incoming money you can count on each month.
2. Trim your budget
Now that you have your budget on paper, you can go through your monthly expenditures and figure out areas you can save money. Remember, every penny saved is a penny you can put towards retirement.
3. Figure out how much
Once you have your new budget planned out, you should have a good idea of how much money you can possibly save.
4. Start saving!
This is the most important step. The planning is useless unless you put it into motion. Even if you are saving just a few dollars every month, at least that allows you to start the needed momentum.
Save Your Pennies (Image: Flickr)
Post from: Bizzia
译文:
开始为你的退休存钱
开始为你的退休存钱
在这个经济不景气的时代，为了减轻压力，大家很自然地就开始花那些为了退休而存下的资金----要是在失去家园和花费养老金这两者之间选择，很多人都会选择后者。
然而，要是你觉得自己有必要开始为退休后的生活存钱的话，以下的一些建议可以帮助你重新找对存钱的捷径：
1. 预算估计
在开始为退休存钱之前，你需要给预算开个清单。列出你每个月能计算到的所有开支以及收入。
2. 精减你的预算
既然你已经列出了预算清单，那么你就可以估算一下你每个月的开支，并且在心里对可能存下钱的方面大概有个底。记住，你省下的每一分钱都可以让你的存钱计划前进一步。
3.算算能存下多少
一旦你有了新的预算，那你对自己大概能省下多少钱就应该比较清楚了、
4. 开始存钱！
这是最重要的一步。要是没有行动，计划就等于零。即使你每个月只能存下几美元，这些钱也至少可以给你一些动力。
存下每一分钱 (图: Flickr)