I’m the first to admit that I’ve gotten off to a rocky and late start with retirement planning. The only thing in my corner, so to speak, is a pension plan that I have automatically contributed to for the past 13 years. However, the more I think about working for another 24 years, the more I think, can I retire before 65?

For months I have been doing a complete audit of my bills to see where I can save money. I started by making a list of EVERY SINGLE recurring bill that I have and then started slowly going down the list. With each item I asked myself “Is there any way I can save money with this bill?”.