Continually audit your budget

Nip…….Overspending in the bud.  Your budget should consist of absolute essentials: Savings, Rent/Mortgage, Heat, Light, Phone, Food, Health needs, Internet, Transportation and Insurance. Although essential, some can be trimmed down. Anything beyond that can be nipped.  There are, of course, times when incidentals are needed and should be purchased.  And spending for an occasional treat is good for the psyche.  But each paycheck, nip everything possible.

Tuck…..Tuck everything you nip from the budget and add the money saved to one of your savings accounts. Even a small amount counts…..it all adds up.

Sculpt…..Sculpt your dreams and goals around your Retirement Portfolio, and aim for saving to meet those goals and to one day make those dreams reality. Time moves quickly…..plan and prepare.