How to Retire the Cheapskate Way: The Ultimate Cheapskate's Guide to a Better, Earlier, Happier Retirement

Experts in decluttering and home organization generally give a thumbs-up to Marv’s “five crates” approach, or some similar system of sorting items into categories, including: “Trash,” “Save,” “Sell,” and “Giveaway.” Many decluttering authorities even endorse Marv’s creation of a “Who Knows?” category—a place to set some things aside at least tempor

To search for legitimate opportunities for volunteering overseas, check out these resources: www.​idealist.​org, www.vaops.com, www.globeaware.org, and the excellent book Volunteer Vacations: Short-Term Adventures That Will Benefit You and Others, by Bill McMillon.

Letter of instructions This is an informal document you write yourself and can freely change at any time; no attorney or pay-as-you-go website is necessary. It isn’t meant to replace a will. In fact, your will supersedes this letter. You can make multiple copies of this document, but just make sure that your loved ones know where to find a copy onc

free online courses and videos like those offered at www.Epicurious.com, www.imcooked.com (kind of like a YouTube of cooking videos), www.allrecipes.com, and http://​video.​pbs.​org/​program/​julia-​child/.

Editorial services With the growing popularity of e-books and self-publishing, freelance editors and proofreaders—and even fact checkers and indexers—are in demand. The Editorial Freelancers Association (www.the-efa.org) can help you

Debtor Dementia. (FYI: “Debtor Dementia” or, in Latin, Insaneous Borrowlingus, is a condition I first diagnosed years ago, a delusional state that otherwise rational people enter once they begin borrowing money.

But one piece of advice most financial planners will share that is true is that when it comes to investing for retirement, the “time horizon” is critical.

whenever you choose the simplest path, it generally saves you the most money, generates less stress, and results in greater happiness. Particularly as you prepare for and enter retirement, it pays to place a premium on achieving all three of those ends.

Blogger Starting a website or a blog online is easy, inexpensive (or even free), and can be a fun creative outlet. It’s also possible to generate income through your website/blog by allowing advertising on the site, charging for content, or even asking readers for voluntary contributions if they like what you write. In general, the blogs/websites w