Check your budget
Before you save for retirement, you must ensure that it is reflected in your budget. Thus, it is significant to know where your finances presently stand, in terms of your income and your spending. Take a piece of paper or notepad, and do a breakdown of your income and expenses. This will enable you to pick out the areas you will need to reduce spending on. Essentially, make some little changes in your life. Cut out the costly meals and clothing. In terms of transportation, you can swap your expensive car for a smaller and modest one to cut down on fuel. You could even switch jobs for more pay. Doing these should enable you to save more and the additional income could be reserved for your retirement.