Retirement Saving Does'nt Have To Be Complicated, The Key Is Starting Early.

You don’t need a lot of money or a grand money scheme. When asked if they could come up with an extra $20 per week to put aside, most people say yes. That adds up to$1,000 per year, and a grand isn’t chump change.

Where to find the extra 20 bucks? Trick yourself into spending less and saving more. You can make it a habit to pay for gas at the pump to keep yourself from making impulse purchases at the service-station convenience store.

Other ways to come up with a few extra bucks: If you deposit your paycheck directly to your savings account, you’ll think twice about withdrawing cash. Limit yourself to one ATM withdrawal per week, and make your cash last until the next time.
 
Toss your spare change into a jar on your desk or dresser and watch your money grow to hundreds of dollars—enough to finance holiday gifts or next year’s vacation.

learn to parcel out your paycheck? Start with the following spending guidelines, expressed as a percentage of take-home pay: housing, 30%; food, both at home and away, 15%; utilities and other housing expenditures, 10%; transportation, 10%; debt repayment, 10%; saving, 10%; clothing, 5%; entertainment, 5%; and miscellaneous personal expenses, 5%.

You can certainly adjust these to reflect your actual expenses. For instance, if you’ve moved back home to conserve cash, use the money you would have paid in rent to pay off debt or save for grad school.

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