How you can save money after Retirement

So you have finally hung up the tool belt. You have had enough and want to step down into the easy chair. Working keeps one busy, mentally alert but most of all it gives you more money.

Finding yourself with a little less money after retirement.

There is a solution.

Spend less.


I have found this great E-Book you can download here which will give you tips on how to save money. Every thing from food to fun money making tips.


Free to read online or Download



People are always trying to save money, especially with today’s

economy. No matter what your reason for saving, through this e-

book, you will discover ways never considered.The price of everything has gone

up, requiring people to be more conscientious about money. The problem is that by the time the

mortgage, car, utilities, and credit cards are paid, there is little money

to put aside.


 How you can save money after Retirement


Saving money is not that hard, just a matter of learning all the different

options and being creative.

In addition to the obvious of putting money into a retirement fund or

savings account, there are hundreds of ways to save money. Although

some ways of saving may not seem like much, once you add them up

at the end of the year, you will see how substantial the savings really



Keep in mind that saving is more than a single lump sum of

money put aside. Saving is something found in your everyday life by

the way you live and the choices you make.


Rome was not built in a day and neither will your bank account be.

Each penny saved is one more penny than before. If you have the

ability to save big, that is great. However, most people are not in that

position, which is why this e-book will show you how little savings can

add up quickly.

Be encouraged that it is never too late to start saving, regardless of

your age. Set your mind that now is the time to start building your




Holiday Gift Giving This tip is especially helpful for large families.


Although it is fun buying for and receiving from everyone, it can be very expensive.



Make an agreement with your family that you will continue to buy

for the children but that the adults will go with a name exchange.

This way the children are not disappointed and you can spend a

little more on one or two people rather than spreading your

money thin. For the members that you did not pick to exchange

with, bake a loaf of their favorite homemade bread or cookies.




Clearance Always head straight for the clearance rack where you can find

amazing bargains. Sometimes you may have to dig a little to find

the right item but the savings will be well-worth your time. Most

clearance racks offer variety, current trends, and great value. For

example, Bed, Bath & Beyond has a clearance section where you

can find all kinds of wonderful household items for a fraction of

the original cost.


 How you can save money after Retirement




Thrift / Surplus Stores Unfortunately, thrift and surplus stores have been

given a bad rap. Many of these stores are filled with hundreds of top

quality items. Name brand merchandise is easy to find but just like

clearance racks, it takes some time to find. Find a thrift or surplus

store close to where you live and then plan spending some time to

find those outstanding bargains.




Wrapping Paper and Bows Create your own wrapping paper,

which is not only unique, but also fun. Use plain brown groce

ry bags and craft-like paints to make your design. After wrapping

the gift, let your creative juices flow. For example, using black

and yellow craft paint, create a miniature road. Then dipping to

y truck tires into red paint roll them along the paper making tire

tracks. You can then draw free hand a stop sign, yield sign, or stop light.


Next, using a hot glue

gun, glue a couple of the miniature trucks to the paper. This is

perfect for a young boy. He will be just as thrilled with the

wrapping as the actual gift. For a girl, you can simply create

miniature bows from existing fabric or lace and glue them on

brown paper then free hand draw colorful flowers. Just use your

creativity and look around for it ems you already have on hand to



 How you can save money after Retirement




Reuse When you shop, look for items that can be reused. Rechargeable

batteries are a perfect example. Even though the initial purchase

may be more than non-rechargeable batteries, there is a definite

savings over a long period. Another option would be to purchase

a nice artificial Christmas tree. Many of the current artificial trees

look amazingly real and with the right lights and ornaments, you

can change the look from year to year.




Landscaping If you are considering creating a nice flower garden area,

shopping for plants even on sale , can be expensive. Before you

go out and start spending, look around to see if you have other

plants that can be split from your existing flowers. Additionally, if

you have a good relationship with any of your neighbors, you

might ask them if they have any plants you could use as a starter.

Another great idea is the next time you are in the market to buy a

lawnmower, purchase one that mulches leaves. This way, rather

than buy mulch for your flowerbeds every year, you can simply

use the mulch you make.





Everyone should create a budget.If you are not sure how or just

not good with money, many businesses such as H&R Block, offer

free financial consulting to help you put a budget together.

Knowing where you are spending your money is by far the best

way to save. In most cases, people have no idea where their

money is really going and once they see it on paper, not only are

they surprised but eager to change their spending habits.





Planning is a great way to save. Before you go to the grocery

store, make a list and stick with it. If considering a vacation, plan

everything. Heading out with no set direction will certainly lead

you to impulsive spending.




Buy in Bulk


It is true that warehouse shopping can save a lot of money. Even

if you have a small family, you can always split large quantities.

The price of items in bulk is generally a great bargain. If you are

single, you might go in with friends or family on bulk items.





Do not forget to give yourself an allowance for things you enjoy.

Even if on a tight budget, buy something that you enjoy, which

could be as simple as buying a new shirt or grabbing

lunch at your favorite café. If you do not allow yourself this small “splurge”,

you could find yourself in the same position as if dieting. Total

deprivation leads to overindulgence.




What Matters to You


Make a list of the 10 most important things in your life. Next to

each item, rank them in order of importance using numbers 1

through 10. The purpose of this exercise is to help you see the

things you consider the most an d least important and to provide

you with a visual of why you need to save. Some examples of

things that a person might put on their list include new home, car,

special trip, artwork, starting a business, or pay off debts.


this Article edited by

Brent Walker

Zoomers News


About zoomersnews 84 Articles
Brent Arnold Walker is the Editor of Zoomers News...Location South Vancouver BC Canada...Raised in the heart of War Vet Housing ...A True Baby Boomer

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