Frugal living is not easy even if you have a job. There are so many things to think of, to budget and to decide. Most of the time, a regul...

saving and spending (Photo credit: 401(K) 2013 ) You may think that you should only think about planning your retirement once you have p...

retirement (Photo credit: 401(K) 2013 ) Planning for your retirement is something that all of us know we must do, but many of us put thi...