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ATM Smart Savings Sweepstakes
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ATM Smart Savings Sweepstakes
We know that saving, especially for retirement, isn’t easy! That’s why the editors of AARP The Magazine created a digital magazine all about savings and retirement. AARP The Magazine’s Special Money & Retirement digital issue is here to help you better save for what lies ahead. Post your favorite savings tip in the discussion below. Just by posting you’ll be entered for a chance to win the grand prize of $1,000!
How to download the special Money and Retirement digital issue:
It’s easy to download the digital magazine! Click here to read the special Money & Retirement digital issue.
Enter the sweepstakes in 2 easy steps:
1. Sign in or register on AARP.org
2. Post to the “AARP Smart Savings Sweepstakes” discussion board.
That’s it. You’ve entered the sweepstakes.
Contest ends October 1, 2016. See Official Rules and Terms of Service. Be sure to tell us what you think about the new digital magazine by completing our short survey here.
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Boy, AARP discussion boards are not friendly to get around...
I've been trying to find discussions on retirement/savings plans to help improve my retirement projection over the next 10 years. i've got a little time, but quickly it is running out. I'm not as healthy as I was even 5 years ago, and afraid I will not be able to work to continue similar lifestyle that I currently maintain.
Would like to add a little free moola to the investment though.
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My husband and I have pooled and saved our spare change from all purchases over the past 40 years in a "coin jar." When the jar is full, we take the money down to the credit union and deposit it. It's a lot easier now that most banks and credit unions have automatic coin counters - I used to do a lot of penny, nickel, dime and quarter rolling - but we will typically deposit $50-80 every few months, which amounts to $600-1000 per year plus interest in "hidden money" that we're not tempted to spend.
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make it automatic
@AARPLynne wrote:We know that saving, especially for retirement, isn’t easy! That’s why the editors of AARP The Magazine created a digital magazine all about savings and retirement. AARP The Magazine’s Special Money & Retirement digital issue is here to help you better save for what lies ahead. Post your favorite savings tip in the discussion below. Just by posting you’ll be entered for a chance to win the grand prize of $1,000!
How to download the special Money and Retirement digital issue:
It’s easy to download the digital magazine! Click here to read the special Money & Retirement digital issue.
Enter the sweepstakes in 2 easy steps:
1. Sign in or register on AARP.org
2. Post to the “AARP Smart Savings Sweepstakes” discussion board.
That’s it. You’ve entered the sweepstakes.
Contest ends October 1, 2016. See Official Rules and Terms of Service. Be sure to tell us what you think about the new digital magazine by completing our short survey here.
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I"ve been a member of a Credit Union for over 40 years. Because I have automatic withdrawal to my Credit Union Savings account, I don't even miss the money. I also am enrolled in the Credit Union's Christmas Club --- that is like Monopoly Money every year!!!! This way, I don't charge my Christmas gifts and I don't feel like I'm spending our household money. And the advantage of the Christmas Club is you CAN'T access that money before the first week of November --- so it really is safe until you need it for your holiday shopping!
If you start out small (I started by having $20 deducted every pay period) and gradually work your way up over the years, you'd be surprised how much you can save in a year and not even realize it!!! I currently save $200 / month through my Credit Union and believe me, sometimes that extra cash has come in handy for unexpected emergencies.
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Never worry about the jones's next door. Usually the large home and luxary cars indicate all flash and no cash. Worry about yourself and live within your own means. A good nights sleep is more valuable than acquiring expensive items and large debts.
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Make your money work! Set-it-and-forget-it for regular additions to savings (the company 401k or 403b or the IRA/Roth IRA) with an increase when you get a raise, review repetitve expenditures (the cell phone plan, the tv service) for better deals every year or so, when you replace your car make sure the new one is a fuel efficient vehicle, then make small conscious efforts (coupons, discounts, barter and borrow, a book or movie from the library instead of the bookstore or theater) when you think of them. Little things add up, but you don't need to be obsessed with them to find the extra to put away. 🙂
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I was surprised that at 60 you should have 6x your income saved, I thought it would be higher. Also, I enjoyed the article on enjoy your retirement. Both of these together made me question my decision to work part-time in retirement, but then again I enjoy what I do.
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I always round up and not pennies.. $50 to $100 dollars on all bills with interest, and designate it to principal. Every penny you can apply to principal lowers the next amount of money the interest is calculated on. I have paid on a 40K loan and paid half off in 20 months. It isnt much but I saved some... starting small and learning as I go.
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I sign up for every coupon saving card and match coupon to sale items. Also shopping at clothing stores with sales and percentages off can reap you a lot of clothing for little money. I took a part time job and enjoy the 20% off discount. Great savings and stretches my monies further. I have 11% in my 401K and seek financial advice yearly while in my early 50s. In reading the article I like the advice to have 5 times my salary saved by 55.
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Pay yourself! Every time you even think about spending money on frivilous things (a shirt you don't really need, a dinner out that is not a true special occasion, or some gadget you know you will never use for example), put the cost of that item or excursion in an envelope. Keep adding to the envelope on every single one of these instances for a week, a month, or preferably a year. Then check back at the end of that time and see how much money has added up in that envelope. Now go put it in your savings account or invest it wisely!
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To our Online Community Members,
We wanted to let you know that our Community Guidelines and Terms of Service have been updated. The changes are intended to foster more civil discussions in AARP’s online communities. The issues discussed in these communities – including healthcare, retirement and politics – are serious and stir up strong emotions. We should have spirited debates about all of them, but those debates should always be respectful, on topic and fact based. We will be applying these standards in our online communities as we work together, with all of you, to address the challenges that face older Americans. Thank you.
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