If you want to start setting money aside for retirement, but don't know where to start, check out these simple lifestyle changes you can make that will have a big pay off.
1. Use a budget-tracking app
There are so many budgeting apps out there right now, and they're a great way to track expenses and cut down where you see excess spending.
2. Use cash for extraneous expenses
When it comes to paying for entertainment, like movies or weekend activities with friends, always use cash. This will make you more accountable than simply swiping a credit card and can cut down on mindless spending.
3. Make savvy food decisions
Start making more meals at home. It has been found that, on average, an in-home meal costs one third of what it costs in a restaurant. You can also cut down on food expenses by becoming a smarter grocery shopper. Look for deals and cut coupons. Also try buying generic brands to slowly cut down on your grocery bill.