Working After Retirement

People usually surrender to the notion that retirement means they have to stop working and spend the rest of their lives slowing down while enjoying the leisurely activities they did not have time for while they were employed.  However, you could consider working even after your retirement.  Surveys shown that almost two-thirds of Americans who are not yet retired say that they plan on continuing to work at some type of job that will continue earning them a paycheck even after retirement.Reasons…

Posted by Ardent Editor on Sep 18 2008 in Money 101


Retirement Budgeting Made Easy

You have reached retirement and thankfully you have enough money to live within your means, but that does not mean you should throw your budgeting habit off the window. More than ever, saving money after retirement is just as important as saving before retirement. Although the same rules apply, the outcome is different now. While budgeting before retirement is done to help you reach your financial obligations and have enough money aside to meet your retirement goals, doing your budget after reti…

Posted by Ardent Editor on Jul 10 2008 in Money 101


Dealing with Debt Before Retirement

Sooner or later you are going to face the difficult task that many Americans face: paying their debt. The baby boomer generations, those who are on the edge of retirement, have become swamped with credit card debt and even more debt from loans and mortgages. So what should you do to pay them all off without being dried out of money for your own retirement?Do not borrow money to pay your debt – Some people are so afraid that putting on a budget to pay the savings on debt would sacrifice the lifes…

Posted by Ardent Editor on Jun 18 2008 in Money 101


Tips for Using Less Gas and Saving More Money

For most retirees, it is important that certain money saving practices should be observed in order to enjoy a more comfortable retirement. One of the best areas to save on is gasoline. Many retirees may prefer going on the road or making use of their car more often to go on different vacation spots. This might result in an increased use of gas which can amount to a considerable chunk on any retirement budget. No matter how little or how often you use your car, it is important that you know those…

Posted by Ardent Editor on Jan 23 2008 in Money 101


Handling Debt Effectively

For upcoming retirees, it is important to keep debts to a minimum at least if it is not possible to stay clear of it completely. Debts may greatly affect how one may eventually enjoy retirement. Funds saved up for many years can be lessened by outstanding debts that retirees may still find hounding them through continuous debt payments. Aside from saving a certain amount of earnings on a regular basis, being able to handle debts more effectively can also help in making retirement more promising …

Posted by Ardent Editor on Dec 26 2007 in Money 101


How to Keep the Motivation to Save Money

It can be very tough for every one to make a habit of saving for retirement. It can really be a challenge trying to set aside a certain amount of your regular pay knowing that you can easily use it to enjoy life more at the present. The fact that the said amount can only be used and enjoyed until 30 to 40 years in the future may not help at all in motivating you to save. It is hard to save money, but it is something that must be done. An important part of developing the habit to save is the cons…

Posted by Ardent Editor on Dec 12 2007 in Money 101


Retire Well for Less Than You Think

Spending their retirement on a small income is something that might worry a lot of people. But if it is any consolation, finding yourself in such a situation need not be the end of a comfortable life for you. There are many ways that you can do to still live well even on a limited retirement budget. But it will take some effort on your part in order to effectively stretch out every dollar to be spent on things that are really essential. Worrying about retirement is something that may not be such…

Posted by Ardent Editor on Nov 28 2007 in Money 101


Managing Income During Retirement

Every person wishes to spend his or her retirement years comfortably. This can only be done if an individual ensures that he or she receives a continuous and adequate retirement income once a person is ready and ripe for retirement. The best reward anyone can get is to be able to enjoy a comfortable life in the twilight years through what one is able to build up during his or her lifetime. In order to have such an assurance, one should have the motivation early in life to prepare for one’s event…

Posted by Ardent Editor on Aug 22 2007 in Money 101


Avoiding The Tax Traps

Every person would like to be able to come up with an excellent retirement income plan for their golden years. However, most individuals find that they are unable to escape the annoying and debilitating effects of taxation pitfalls. With this in mind, it would be a proactive idea to learn about what are the common taxation errors that one can avoid with a little planning. Understand the termsAs a person who has been able to save a significant amount of wealth, it must be of utmost importance for…

Posted by Ardent Editor on May 17 2007 in Money 101


How to Save Money

Saving money is one of the most important things you can do for your future, along with getting a good education. Saving money takes discipline, but it enables you to accumulate money for large or expensive purchases. A good way to save money is to create a budget. A budget is a plan for coordinating how you will spend and save money.A budget takes into consideration your income (how much money you make), your expenses (what you have to spend) and how much you have left over. What’s left over is…

Posted by Ardent Editor on Feb 21 2007 in Money 101


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