Jasmine Birtles: Pay your future self first
I regularly get people telling me that they don't have any money left over at the end of the month to put into savings for their retirement.
So I say to them "pay yourself first". In other words, once you've sorted out your bills, pay something into your pension to look after your future self. When you've done that then you can give money to the clothes shops, restaurants, football and so on.
You don't even have to put loads in, just a bit if that's all you can afford.
One of the best ways to save for your future, without noticing the difference too much, is to do it through your workplace pension.
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Whether you work in a supermarket, a factory or an office, you can have your own pension pot. As well as your contribution, you'll also receive extra money through your employer and tax relief from the government.
Times are tough, sure, but if you make small savings in your everyday life, you can afford to stay in a pension. And those few quid you save now will grow into much more money for your future self.
For example, making your own lunch each day can free up about £25 a week which, if you put it into a pension now, will grow to hundreds over the years until you retire.
Small changes today can mean a brighter future for you and your family. That's got to be worth investing in!
Jasmine Birtles is a financial expert, TV presenter, author, journalist, business commentator and humourist. She has written 38 books and writes for many newspapers and magazines. Jasmine set up and runs a lifestyle-based money website (www.moneymagpie.com)