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As you approach retirement, it is important to sit down and work out your retirement budget. Once you leave full-time employment, your income will inevitably go down. If you are not prepared, it can be a difficult transition. Many of us take recurring expenses for granted when we have a steady paycheck. But with more time than income, it is prudent to re-examine these monthly bills.
Cable TV. You might think cable TV is a necessity when you retire because you will have a lot more time to sit around, but I disagree. There are alternatives such as a HDTV antenna, Netflix, and online viewing, all of which can save a lot of money when you cut off cable. Premium channels are a lot of fun to watch, but you don’t want to spend your retirement watching TV. It’s much healthier to get out of the house and be more active.
Books and magazines. I love to read all kinds of books and magazines, and I don’t think I can live without them. However,
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