| Follow these retirement planning tips to discover | | | | want. |
| how to fund your retirement - even if your 401K | | | | - Start paying off those high interest credit cards |
| or IRA is meager. Realize your dream of working | | | | with the extra money. Reduce the amount you |
| less and earning more by using simple tools | | | | owe with available debt relief companies. |
| available to you. | | | | - Make your own lunches instead of eating out |
| Take advantage of the existing space in your | | | | every day. Stick to simple meals. You will save a |
| home and the benefits of part-time employment | | | | ton of money and eat healthier. |
| to retire secure. And have plenty of time left | | | | Take control of your spending. If you continue to |
| over to enjoy doing what you love most. | | | | do what you are doing right now, will you be able |
| 1. Renting a Room in Your Home | | | | to retire early enough to enjoy your life? |
| Renting out a room or a converted garage will | | | | 3. Fund Retirement with Part-Time Employment |
| generate a monthly income. You can earn an | | | | Once you have rented a room and cut your |
| extra $400 - $700 a month. Sometimes more. | | | | spending you may discover you can work half the |
| Include electricity, internet, and cable. Your added | | | | time you would at a regular job. And use those |
| expense for an extra person will be minimal. | | | | extra hours doing what you love. Many employers |
| Include a meal a day for another $200-$300 a | | | | are now offering part-time employment since it is |
| month. | | | | more feasible for them. And offering benefits |
| Convert your garage into a usable in-law quarter | | | | such as health coverage, retirement benefits, and |
| you can rent out to fund your retirement. The | | | | paid vacation time. |
| initial investment will pay for itself sooner than you | | | | The majority of job seekers nowadays are |
| think. This is one of the best retirement planning | | | | searching for full-time job opportunities. And that |
| tips to generate income. | | | | is good news for you. |
| 2. Getting Rid of Debt | | | | 4. Clean out your closets and garage |
| Cut your spending by living frugally. This is the | | | | This will generate extra cash. If you have not |
| first step in getting rid of debt. If you cannot pay | | | | used something in six months, get rid of it. Divide |
| for it in cash or money on hand do not buy it. | | | | the mounds into categories: Garage Sale and |
| This is one of the simplest retirement planning tips | | | | Consignment Store items. Save the extra cash as |
| you can accomplish. And the most important. | | | | part of your retirement fund. |
| - Write down all your expenses and income. Divide | | | | By using simple retirement planning tips such as |
| them into two columns. You will be surprised at | | | | renting a room in your home and taking |
| how much money you are throwing away. | | | | advantage of part-time employment to generate |
| - Stick mostly to "needs" instead of "wants". Like | | | | extra income you can retire secure with plenty of |
| food expenses, mortgage payments, health | | | | time to enjoy doing what you love most. |
| insurance. The majority of everything else is a | | | | |