Even if you have never, ever kept track of your money, you need to start a budget in midlife if you have any hopes of realizing the retirement you have dreamed of your entire life. And honestly, it doesn't have to be complicated or mega restricting. All you have to do is prepare for and make adjustments BEFORE you work your last day. It is not too late. And I promise you, it is not as painful as it sounds.
The comfort of a warm bed and accompanying soft blanket makes waking up almost impossible, and those few lingering moments can make you late, adding stress to an already lackadaisical start. Want to make mornings the best part of your day? A checklist