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If your employer doesn't offer a retirement plan or you decide to work for yourself, a SIMPLE-IRA, self-employed 401(k), or KEOGH are choices sole proprietors and self employed.

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Life is short-why perform more family time into your life? If you shouldn't have a partner or kids, call up your parents, siblings or counterparts. Keeping ties with those well isn't you long ago when is cathartic and keeps you down to earth. The gender chart all worth working for if we can't spend it with men and women we passion?

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Green your house--install water-saving shower heads and aerators, turn the tap off when you're brushing your teeth and switch to energy-efficient appliances for the kitchen. If you have a garden, collect rain water to water plants.
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