I gotta admit, sometimes I feel a little miserly when it comes to money.  I guess I just want to be frugal, but from time to time I wish I didn't have to think about it so much. But, I might not be wrong to get a little careful with the paychecks. Even if retirement is decades down the road, it's never too early to start saving, according to financial planners.

However, a good portion of Americans haven't put a single dime away for their golden years.  The latest Bankrate.com survey attests to that fact. An astounding 36 percent of 1,000 adults in its poll aren't doing anything about retirement plans.  As reported by USA Today, nearly seven in ten Americans ages 18 to 29 had no retirement savings. While the numbers drop considerably per age group after that, even 14 percent of people 65 and older had no retirement savings. However, the Bankrate survey says that people who are making long-range plans past their working days have gotten the message that it's better to build a nest egg sooner than later.  For instance, of those in the 30-49 age group, a third began putting away money for retirement in their 20s.

I'm sure the $1500 dollars in my savings account will go pretty far towards that end. Just kidding. Okay, so I don't save much, but I do cut corners where I can.  What about you?  What do you do to save money?  Do you buy generic brands, buy in bulk, car pool, or something like that?

Frugally yours,

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