Being the kind of person i am , i always wonder if i would retire at all. Leaving apart the passion for work and passion for money, i think its absolutely impossible to be just spending time with my grandchildren( if i do have ) and husband( again if i do get one luckily) in my old age.

I am sure there will be some out there who would be planning not to retire. So do we all need to save for retirement? Of course we do. Whether we are planning to retire or not. Saving for retirement is a must. Want to know why ? Read On !!!

* Now that i am young and bubbling with all energy i do not want to think of retiring. After 30 years the situation might not be the same. Especially with new kind of diseases being discovered everyday, i don’t know if i would be healthy enough to work even if i plan to.

* Even though i might want to work, my organization might not want me because i am old. Other similar situations might force me to retire.

* I might want to take a month or even a year off from my work to explore things that i have always wanted to. Like serving people by joining an NGO or go on an archaeological volunteering project.

In the worry of saving for the future, we must also not sacrifice to enjoy today. There should be a balance in spending and saving only then the flavour of life would be worth savoring.

Do you find yourself shopping for clothes so often that you have become very friendly with the shops’ staff or every time you go for clothe shopping to your favorite store, you know exactly where a particular dress of specific design and color would be stacked? Then definitely you are a shopaholic like me , who just cannot resist the temptation to keep adding dresses to your wardrobe.

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‘I will do it Tomorrow’, ‘From Tomorrow, my world is gonna change and i will start working very hard’, ‘Tomorrow will be the day when i will get all my finances organized’, familiar with these phrases?

You are not alone. There are millions out there who share this glorious title of ‘Procrastinator’ with you and i shamelessly agree i am one among them. I am a big time procrastinator. For example i decide that i want to post at least 2 posts for my readers everyday but for past few months i have been failing to do so.

But i have received my wake up call and now i have resolved to put an end to this ‘ I will do it Tomorrow’ syndrome and change it into the ‘ Today ‘ habit. There are few steps i have been following for pats couple of weeks which have been really helpful and  would like to share them with you.

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Is It possible to sell a property in such a short span of time? Well It is, Use the Ebay technique. If it can work for books, tickets, cameras and clothes, it surely can work for your house.

Start by displaying ads on local news papers, internet and sign boards for an open day.

Conduct 2 open days and ask the visitors to bid their amount in a piece of paper.

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Someone had said that if you want to know about the righteousness of your actions, all you have to do is ask if you would mind if the whole world knew about it! Well all of us certainly do not apply this rule to the ‘decision making’ part of our life. Why not apply it to personal finance and see of what gain it could be?

We all know that using credit card could be a tricky business. Every purchase you make is being tracked by the bankers and accordingly your credit score and cash limit is adjusted. So i suggest you to avoid using credit cards for 5 unique situations by which you could avoid lowering your credit score or credit limit.

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President Obama, backed by his team announced that he strongly supports the idea that many American citizens (including encroachers) should attend college and hence there’s a need for taxpayers to fund grants and loans. I find this plan faulty and propose something’s that’s best.

From what I understand, the students who Obama has in mind are shirkers and duffers or people who are otiose or dumb to get to attend a college and America has no dearth of them! Although Obama isn’t bothered if they are lazy or dumb, what he cares is the vote bank.

I don’t want to spend a penny of my tax in proving or providing education to adults who cannot attain a degree in an age where grades seem to touch the sky. I have an intelligent and economical plan for such a population that is currently under merited by such colleges. What we really need to do is to enforce the Five-minute University, first proposed by Father Guido Sarducci.

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The United States President Barack Obama seems to have gone wiser by the day and has brought in the ‘PAYGO’ legislation. This legislation aims to reduce the government spending by a considerable amount.

The legislation says that all the new congress tax cuts or increase in the government expenditure will result in higher taxes and lesser spending in some other department of the government so that the excess spending is offset.

The statutory “Pay as you go” legislation has been submitted with the aim of curbing government expenditure and preventing it from going over board. If this legislation were to work, the fiscal deficit in the United States could slightly bee soothed. Touted to hit a whopping 1.8 trillion mark this fiscal, the mood of the US economy still remains gloomy.

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Things are getting so expensive and folks are losing so much money that this doesn’t sound like a joke but reality.