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you are NEVER too late to start saving.
listen to Cynthetique, and pay yourself first. every paycheck, put some of it away in an interest bearing account. one of the accounts i have is Edward Jones "checking" account. it has a great interest rate, i can write checks on it, but i don't. i use it as a savings account.
small things, like packing lunch instead of buying out, taking the change out of your pants when you do laundry and cashing it in, all add up.
clip coupons. people feel embarrassed about using coupons, screw that. you save 25 cents here, 50 cents there, you have a few extra bucks.
little things add up. check out edward jones...
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onward to mayhem!
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