Whether you are saving money in Cleveland or any other part of the world, you must have a plan to be successful. A plan should be written down and thenyou should be disciplined to follow it. Before saving for retirement you should save about six months of what your current bills total in a seperate account for a rainy day. I call a rainy day when some type of financial issue arises. Once you have saved your rainy day money, then it is time to save for retirement. The first thing that needs to be done is pay yourself first. Most individuals, including myself at one time, pay everyone else first then try to save money if anything is left. Pay yourself with ten percent of your gross earnings every pay period, no questions asked. Soon this will become like clock work and you will not even notice the difference. You are probably asking, ” Where do I get the extra money to do this?” You already have the money people. Let me call this money that you already have the latte coffee factor. When I went to work, before I started to pay myself first, I would purchase a latte or hot beverage everyday on my way to work. My hot beverage(latte), cost was four dollars. Four dollars five times per week equals 20. That is 80 per month or 960 per year. How about lunch, I ask. I spent an average of eight dollars per day on lunch. There is another 40 per week and 160 per month. Yearly this would total 1920. So there is 2880per year I just found everyone out of your current earnings. Everyone can find their own latte factors if they change their thought process. Pay yourself first and find all your own latte factors. Let’s all start this savings process today.The information party rocks on: Change Your Habits, Save Some Money!