Oh, what sad times are these when passing ruffians can say "Ni" at will to old ladies. There is a pestilence upon this land, nothing is sacred. Even those who arrange and design shrubberies are under considerable economic stress in this period in history.
- Roger the Shrubber
Sorry...I got a bit distracted by my title.
If, like me, you saw your recent retirement statement and were a bit saddened, I have a suggestion for you.
I saw a link to this site today (I can't remember where) and signed up immediately. The idea is this. You set up a savings account with SmartyPig for any reason, (vacation to house down payment) with a goal in mind, and SmartyPig tracks your progress toward your goal, gives you a scheduled monthly contribution to reach your goal, and reminds you of your reason. Other people can contribute as well.
I believe most of us are very loose with our money. We aren't so much irresponsible as we are just not careful. This is just a simple savings account, earning a little interest, but it is the regular reminder that makes this method work. I'm diong it, and should join with me.