Be Frugal In Order to Retire Comfortably

Hello World,

Many people don’t actully budget or count pennies like I do. Few of you live pay cheque to pay cheque. It’s sad that many don’t even have a financial plan. All they know is that they have to earn more and that will pay their expenses. However, I think everyone should have retirement goals and retirement strategy in place.

Every decade of your life, you need to change your financial strategy so you are saving appropriately. In your 20’s, you have a bit of leeway. Many people in their 20’s, don’t have a proper job. They are still exploring. They are learning the ropes. They also have school. That’s why they are a bit low on money. Still it is suggested that they save 20 to 25% of their income.

At the age of 30, it is suggested to save 70% of your annual sallary. it’s quite hard with dependencies but, it isn’t imposible. At 30, people tend to have the “new money” exposure. By this age, most have a stable career, or a career they enjoy, a spouce, kids and or assets, such as real estate. All this makes responsibilites and expenses make it impossible to save 70% of ones annual salary.

If you have these responsibilities then you need a financial plan in place. This is the time you need to count pennies and live below your means. You don’t need the latest items just becuase, you have extra money. Make your money work for you! Buy ETF’s and invest long term in them in your RRSP or ROTH IRA.

Every decade, you don’t get serious about financial literacy, you are missing an opportunity to gain returns via dividends. Put in the work now, so you can live as a comfortable 65 year old. Some one said to me that they don’t think that far! Well, my answer to you is that you should because, your depreciate in value over time. You should always think of ways to save more and invest more.

What are your saving habits? Do you have an expense tracker?

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Steamer – Amazon Deals

Hey Everyone,

Hand held travelers steamer: https://amzn.to/2zZKrUw

Thought I do another product read on the best Amazon Deals that I am finding. Also, test and work on my organic tractions.

When I was younger, I use to work retail. Fashion retailers keep their clothes looking crisp is NOT by ironing but with steamers.

I bought the exact one. I bought one called Toby from Walmart. Big and bulky! Hard to put together and hard to move around. I loved the idea of having amazing looking clothes all the time, however, I hated the work of putting together the device in order to get the actual result.

Oh and let’s not forget, I spent 100 dollars for Toby the steamer!

So here we are today, older and wiser. This time I am all about investing in experiences and items that will make life easier while being thrifty. I did my Amazon research to find the Steamer, I needed this time and found…https://amzn.to/2zZKrUw

The handy traveler steamer is perfect for the couple of items you need to wear right away. Easy to set up and perfect for the time you are in a hurry.

Let me know your Amazon finds! Share your ideas with me.

https://amzn.to/2zZKrUw

Thank you,

Dla