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"These things have I spoken unto you, that my joy might remain in you, and that your joy might be full", John 15:11.
  • 1.  Postpone Retirement

    -  By working 1-2 years or more beyond retirement age, you can earn additional money and ultimately earn a larger retirement income 

    -  Pay off your mortgage, home equity loans, credit cards, and other expenses, also fund an emergency account, and save for the future

    2.  Develop a Budget

    -  Determine your monthly and annual income and create a budget that allows yo to live within your financial means

    3.  Maintain Control of Expenses

    -  Pay your fixed expenses on time (mortgage, rent, utilities, etc.,) avoid impulse spending, allow for some fun as well

    4.  Maximize your Income

    -  Take a part-time job to supplement your income, check with the Social Security Administration to insure your are receiving what is rightfully yours

    5.  Guard your Health

    -  Stay as healthy as possible, quit smoking, commit to a reduced-fat diet; medical expenses can claim a disproportionate percentage of your income

    6.  Become a Wise Shopper

    -  Take advantage of sales and specials everywhere you shop, however, only buy what you need and avoid impulse spending here

    7.  Carefully Maintain and Drive your current Vehicle a few more Years

    -  Trading every few years can cost you thousands, find a reliable used car and consolidate your daily/weekly errands and many trips into one trip

    8.  Discover the Joy of Helping Others

    -  Get up off the couch and out of the house, helping other people can be a great source of happiness and joy to you as well as a blessing to them

    9.  Learn to be Content with what you have

    -  Remember, you don't have to have it all, everyone can learn to get along with a little less

    10.  Fall in Love with Jesus and Develop a Close Personal Relationship with Him

    -  Depending upon the Lord to guide you and meet your needs is a wonderful experience that results in many blessings from God


    by Christian Retirement  
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