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Resources & Tools

Money Management: Planning For Your Retirement

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It is never too early to start saving for retirement. It is important that consumers figure out their retirement goals as early as possible which include:

  1. What age to you plan to retire?
  2. Where would you like to retire?
  3. Do you plan on downsizing or staying put?
  4. How much money do you need to achieve these goals?

10 Tips on Saving for Retirement

  1. Set a goal and make a plan. Knowing how much you will need to comfortably retire not only makes saving easier but can also be more rewarding. Once the goal is set, determine how much you’ll need to contribute to your savings to reach this goal. Try setting benchmarks along the way.
  2. Adjust your budget as life priorities change. A Household Budgeting Worksheet can help you stay organized and track your expenses. Make sure to include your savings contributions in this budget.  https://www.consumercredit.com/wp-content/uploads/2020/05/household_budgeting_worksheet_2013.pdf
  3. Start saving now. Savings add up no matter how big or small. Make sure to start saving as much as you are able to, as early as possible.
  4. Pay off all debt. Carrying debt into retirement will cause monthly bills – and interest – to pile up, which will drain your savings. Develop a plan that enables you to pay off debt before you retire so that you can use savings on other necessities, such as food, medical care and housing.
  5. Track your spending. Knowing exactly where your money goes every month will allow you to set some funds aside for your future goals, such as retirement.
  6. Cut unnecessary spending. Reduce spending money on things you do not need without feeling deprived. Start with something simple, like bringing your lunch to work rather than eating out every day.
  7. Check your retirement plan at your work place. Some 401k plans include benefits, such as direct deposit from your paycheck, which can automate the retirement saving process.
  8. Set up automatic transfers from your checking to your savings account. With each paycheck you receive, make sure a percentage goes into your savings account dedicated to your retirement funds.
  9. Manage your mortgage. Pay attention to the rise and fall of interest rates. If they begin to fall consider refinancing your mortgage to a lower rate and use the extra money towards retirement savings.It is best that the mortgage be paid off by the time retirement rolls around.
  10. Divide your portfolio. Stay away from throwing all your eggs in one basket by having one investment. Diversify your portfolio by dividing it among stocks, bonds and other types of investments.

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