Saving for Rainy Days:

You can begin to save at any age, for any thing your heart desires.

If your children are old enough to do chores they are old enough to earn money. Determine how much allowance they'll receive and then teach them how to save.

If your children are old enough to work a job, help them save that money.

If you are capable of earning income through different streams then make at least one of them your savings.

If you've got one job and are barely getting by start small, save 20.00 a month. It'll get better.

Once many people get to their retirement years they begin to depend on retirement funds, pension funds, and interest off investment funds. There are many others that only have reliance on Social Security Income or Social Security Disability.

Make it up in your mind that you'll have more than enough when this time arrives and lets start saving now.

What starts to happen with retirement money is the same thing that happened while you were working.....you pay bills. Now the optimal situation is that you no longer have any debt and you're just paying household bills, homeowners insurance, and property taxes. That would be fabulous. Now imagine this plus a savings account that you've had for years. The one you don't buy shoes out of or take a vacation out of. You're well on your way to abundance.

Retirement income is designed to make up for the income you once had while you were working and then some if it was invested properly. In many cases this income is enough to support you, yet in some cases it simply is not. This is why savings is critical.

Perhaps a few questions you could ask yourself are:

1. Do I have enough money no matter what comes up?

2. Do I have enough saved if there's an emergency?

3. Why don't I have a savings account?

4. Does my income pay my monthly expenses?

5. Would a budget help my situation?

Well only you know what you should do next!

Here are a few tips:

A. If you don't have a savings account join a local credit union, the opening amounts are small and the minimum you have to keep is usually about $50. Put in what ever you can, when ever you can. Call it your "Rainy Day Savings".

B. If you don't have any money saved up consider a budget and ways to decrease the bills you're paying. The amount left over can begin your savings.

C. Seek the advice of a certified financial planner or wealth acquisition manager with no consultation fees.

D. Find credit unions and banks with special programs for your situation.

It's time, let's save some money.