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by: JohnLeClere
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Most folks reason that you need elaborate, high-priced retirement planning tools to get the most out of your planning. Not so! Many good retirement planning products can be had for free. They may not have tons of bells and whistles, but sometimes simple can be perfect, too.
Start with Budgeting
This tool may not seem all that inspired, but it can make a huge difference in your retirement planning: a budget. Start with a blank piece of paper, or a blank spreadsheet, if you want to use your computer. Go through your checkbook, credit card statement, and bank statement and write down all of your monthly expenses, including your utilities, credit cards, eating out, groceries, and snacks.
Write down every single thing that you spent money on, even if it was just for fun. Now, at the bottom of the page, subtract the amount from your total take-home income. Anything that is left over is potential for retirement funds.
If you don't have anything left over, then it may be time to rethink your budget. Cut back on the little things so that you can plan for the big thing, retirement.
The Personnel Office
Many folks don't realize that the best retirement planning tools can be found at their job; it is called the personnel office. Personnel can help you find and sign up for every perk, investment, and savings benefit your employer has to offer. Some businesses even work with banks and local investment firms to get retirement information to their employees. Stock up on the brochures and reading material that the office has as well. It's like getting top-of-the-line retirement advice for free!
Information for Free
You can get tons of nifty retirement planning tools on the internet. A lot of it is what's called Shareware, which are programs that are created by programmers in their spare time to offer to the public free of charge. The Vanguard Retirement Calculator helps you see if you are investing enough and helps you average your investment returns. AARP has a Retirement Roadmap Tool that helps determine how much your retirement dreams will cost in the real world. Principal Financial Group offers many different kinds of planning and investment calculators for planning for retirement. CNN Money.com offers an intensive calculator that covers investments, goals, income, savings, and portfolios.
Finding out about retirement planning information does not need to be expensive if you have access to the internet.
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Schooling\n\nVanessa Herremans is an author for The Herb Scene, more articles can be found at Money Schooling\n\nJohn LeClere is an author for CanAm College, more articles can be found at Money Schooling\n\nJohn LeClere is an author for Second Article, more articles can be found at Money Schooling\n\nJohn LeClere is an author for Email College, more articles can be found at Money Schooling\n\nJohn LeClere is an author for The Aroma Scene, more articles can be found at Money Schooling\n\nJohn LeClere is an author for The Herb Scene, more articles can be found at Money Schooling\n\nJohn LeClere is an author for The Crystal Scene, more articles can be found at Money Schooling\n\nJohn LeClere is an author for Lens Foto, more articles can be found at Money Schooling\n\nJohn LeClere is an author for Coffee Everything, more articles can be found at Money Schooling\n\nJohn LeClere is an author for Puff Stop, more articles can be found at Money Schooling\n\nJohn LeClere is an author for Yoga in Health, more articles can be found at Money Schooling\n\nJohn LeClere is an author for Your Own Shops, more articles can be found at Money Schooling\n\nJohn LeClere is an author for Home Study Central, more articles can be found at Money Schooling\n\nJohn LeClere is an author for Cards & Stuff, more articles can be found at Money Schooling\n\nJohn LeClere is an author for The Herb Scene, more articles can be found at Money Schooling\n\nSusan Wilby is an author for CanAm College, more articles can be found at Money Schooling\n\nSusan Wilby is an author for Second Article, more articles can be found at Money Schooling\n\nSusan Wilby is an author for Email College, more articles can be found at Money Schooling\n\nSusan Wilby is an author for The Aroma Scene, more articles can be found at Money Schooling\n\nSusan Wilby is an author for The Herb Scene, more articles can be found at Money Schooling\n\nSusan Wilby is an author for The Crystal Scene, more articles can be found at Money Schooling\n\nSusan Wilby is an author for Lens Foto, more articles can be found at Money Schooling\n\nSusan Wilby is an author for Coffee Everything, more articles can be found at Money Schooling\n\nSusan Wilby is an author for Puff Stop, more articles can be found at Money Schooling\n\nSusan Wilby is an author for Yoga in Health, more articles can be found at Money Schooling\n\nSusan Wilby is an author for Your Own Shops, more articles can be found at Money Schooling\n\nSusan Wilby is an author for Home Study Central, more articles can be found at Money Schooling\n\nSusan Wilby is an author for Cards & Stuff, more articles can be found at Money Schooling\n\nSusan Wilby is an author for The Herb Scene, more articles can be found at Money Schooling\n\nSusan Atkinson writes for CanAm College, this article is posted on Money Schooling\n\nSusan Atkinson writes for Second Article, this article is posted on Money Schooling\n\nSusan Atkinson writes for Email College, this article is posted on Money Schooling\n\nSusan Atkinson writes for The Aroma Scene, this article is posted on Money Schooling\n\nSusan Atkinson writes for The Herb Scene, this article is posted on Money Schooling\n\nSusan Atkinson writes for The Crystal Scene, this article is posted on Money Schooling\n\nSusan Atkinson writes for Lens Foto, this article is posted on Money Schooling\n\nSusan Atkinson writes for Coffee Everything, this article is posted on Money Schooling\n\nSusan Atkinson writes for Puff Stop, this article is posted on Money Schooling\n\nSusan Atkinson writes for Yoga in Health, this article is posted on Money Schooling\n\nSusan Atkinson writes for Your Own Shops, this article is posted on Money Schooling\n\nSusan Atkinson writes for Home Study Central, this article is posted on Money Schooling\n\nSusan Atkinson writes for Cards & Stuff, this article is posted on Money Schooling\n\nSusan Atkinson writes for The Herb Scene, this article is posted on Money Schooling\n\nVanessa Herremans writes for CanAm College, this article is posted on Money Schooling\n\nVanessa Herremans writes for Second Article, this article is posted on Money Schooling\n\nVanessa Herremans write