It is Time for Us to Do Everything We Can to Stop Wasting Money

Earlier this year, my husband and I went to a financial planner. He said that we needed to do something about curbing our spending or we would be in big trouble when we retire. We are in our thirties, and we had not done anything to save since we started working in our twenties. Now, I am very careful to focus on things that cost nothing like using free Virtual Families 2 cheats to play that game without spending as much money as I used to spend on it. I wasn’t sure at first if I would be able to do cut back easily, but after I started doing it, I found that it is a lot of fun to cut back wherever I can.

Both my husband and I agree that we were previously headed down the wrong road of not thinking about what we will need for our future financially. My father is the one who said that he was really concerned about the fact that we were ignoring what we need to do to save money. He is also the one that suggested that we meet with a financial planner. The planner really opened our eyes to how much we will need to have saved in order to retire comfortably.

Although we are getting a late start with putting money aside, there’s still time for us. Some people wait until they are in their forties before they actually start saving for their future. We were told that we need to think about the fact that we may not be able to work starting in our fifties if either one of us ends up having a medical disability of some sort. That’s why it is important to reign in our expenses now so that we will have enough money to live on if we find that we need to stop working much earlier than we want to.

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