By Kris Bickell
So, you want to save for retirement, but you’re having enough
trouble paying your bills every month?
How can you possibly find enough money to save for the future
when the present is difficult enough?
If this sounds familiar, then here are a few suggestions to
help making saving money easier. Not necessarily easy – when
money is tight, saving is probably not going to be easy. But
least it can be a little bit easier.
For this to work, you first have to be willing to make a few
changes. Actually, it all comes down to one big change – and
that is making a commitment. Without this commitment, and a
plan to go along with it, then most likely nothing will ever
So, go ahead and make a commitment to yourself that you’ll do
WHATEVER it takes to change your financial situation. And this
change won’t come overnight, so give yourself a time frame to
make it happen. Write down your commitment. And put it in a
And get ready to make it happen! Here are some suggestions for
saving money – even when money is tight:
First, take a few minutes to read your commitment each day.
more you believe in what you are doing, the more you will be
willing to take action, and achieve what you want!
Second, think of ways to make some extra money:
- get a part-time job
- start your own business
- sell items around the house that you don’t need any more
Third, take out your checkbook and write down a list of all
your expenses for the last month or two. Write down
Then decide which expenses you can eliminate (and remember,
make a commitment to change your financial situation, and
necessarily be easy). And decide which ones can be reduced:
- cable TV
- cell phone
- internet service
- anything else you can live without!
Be creative. Be honest. And be committed!
Because when money is tight, and you still want to save for
your future, you either need to find a way to make some more
money. Or find a way to lower your monthly expenses.
About The Author: Kris Bickell is the owner of
www.Debt-Tips.com, a helpful site for consumers needing
financial help. To learn how you can “bank on yourself”, save
for retirement, and get ahead in life, sign up for the free
“Bank On Yourself” report at: