1. Budget, budget, budget
goodluz / Shutterstock.com
Ugh. This is no fun, right?
You may not want to spend your free time working on a budget, but there is no better way to make your money last than to be intentional about its use. Without a spending plan, you could find yourself running through your cash in no time. Your retirement adviser can help you, or you can use our “4 Rules for Creating a Painless Budget.”
The good news is that the digital age has made it easier than ever to keep track of money coming and going. One of our favorite tools for doing this is an app called YouNeedABudget, which allows you to assign every dollar to a job. YNAB offers a free 34-day trial so you can see how it works for you. See also: “Quit Living Paycheck to Paycheck: This Tool Makes It Easy to Save.”