The day has finally arrived, you have work for years and now you have to decide if it is the time for an early departure from your company, or continue to work for a few years. The advantages and disadvantages of early retirement are quite simple to understand, to the disappointment of many people. The advantages or pros of early retirement are quite simple: you can stop working! The disadvantages or cons of early retirements are a bit more complicated. (more…)

One way to find out how much money you spend each month and what you spend it for is to keep a record of all expenditures during the next month. For this purpose some people find a small five cent notebook handy because they can carry it with them. What¬ever system you use, be sure and write down everything and es¬pecially what you spend for the “little” things such as magazines, a pack of cigarettes, toothpaste and hairpins. (more…)