Time & Money

Saving for a secure retirement takes time. Wealth is rarely created over night and those who come into easy money often squander it. Given sufficient time small amounts can add up, with minor adjustments in spending habits yielding awesome results.

For example, having a Cappuccino every other day, rather than daily, could put an extra seven dollars a week toward retirement savings. It doesn't sound like much, but compound over 30 years at 8 percent and the result is $45,000. As an alternative bring lunch to work one day week and achieve a like result. Saving money can be a lot of fun when approached with a bit of creativity and an eye on the future.

                                                        Roger l. Caron