You may hear plenty of advice on how to plan for retirement, but do you heed it? It can be easy to push off something that seems far away when there are more immediate financial needs today (like grocery bills, mortgage payments, etc.). It’s a good idea to consider the following to make sure you are on the path to a happy retirement.

1. Get Started

When you get started on the road to retirement, it is important to know what goal you are working toward. This includes deciding if you are looking to retire early or considering working into retirement. While retirement can be expensive, everyone has different plans and needs to be honest about what you want your lifestyle...

The two systems that run Mississippis public universities and community colleges each want lawmakers to increase their budgets by more than $75 million, arguing more state spending on higher education will help residents earn higher incomes and bolster the future of the state.

State agencies are presenting requests to the 14-member Joint Legislative Budget Committee this week, setting the stage for negotiations that wont intensify until the 2015 Legislature begins. The lawmakers will write a budget for the fiscal year that begins next July.

Looming over both presentations, though, were legal efforts to force the Legislature to meet its funding promises to K-12 education. Wednesday,...

Cramer said that knowing when to buy and when to sell is one of the most important, and most frustrating, parts of managing your own money. That is likely the reason why there is an entire cottage industry of financial advisers telling investors that it simply cannot be done, that they should just put their money into index funds and leave it there forever. Cramer said that while index funds have their place, telling investors that theyre the only way to make money is totally bogus.

Must Read: 7 Stocks Warren Buffett Is Selling in 2014

Timing makes all the difference, Cramer explained. He said theres a big difference between buying stocks at the market peak in October 2007...

Utility costs can become a big chunk of your monthly budget-especially if you happen to live where temperatures in the summer or winter get extreme. But something in the walls is already saving you money, and could be saving you even more. Adding insulation is one of the easiest ways to increase your homes energy efficiency. How much could it save you, you ask? The governments Energy Star website estimates that a typical family in an average sized home could save up to 10% on their annual energy costs by sealing off points of air intrusion and installing more insulation. Its just a matter of knowing what type of insulation to use and where it should go.

R-values and your homes outer...

I recently had the opportunity to talk with Rachel, who teamed up with her dad write “Smart Money Smart Kids,” a New York Times best-seller that gives you a glimpse of what it was like to grow up in a Ramsey household and living debt-free.

Even though the book targets families in teaching their children how to manage money, the common sense principles and stories shared are applicable to everyone. One of the key points in the book is that it’s never too late to learn about personal finance.

Rachel brings a different perspective to living life financially free and we discussed how she was challenged with some of her own mismanagement of money beginning at an early...

On Tuesday Norwegian August credit growth is seen rising marginally to 5.5%y/y from 5.4% in July. Meanwhile household and non-financial enterprise (NFE) credit demand is seen at 6.8%y/y and 2.6%y/y respectively. The latest Norges Bank survey of lending indicates that household credit demand will remain unchanged in the third quarter while non-financial enterprises are expected to show slightly lower credit demand.

Fifth Third Bancorp will sponsor Dave Ramsey’s Foundations in Personal Finance course for the 2014-15 school year in 1,827 high schools throughout its 12-state service area, including 25 schools in Central Kentucky.

This year marks the fifth consecutive year that Fifth Third Bank has sponsored the course. Since 2010, the bank has helped educate more than 500,000 students. In the current semester, Fifth Third expects that 133,000 students will take the course.

“Fifth Third Bank is committed to improving lives in the communities we serve,” said Maria Veltre, senior vice president and chief marketing officer. “Improving lives begins with educating high school...

When you think about budgeting – saving receipts, tracking expenses, cutting back – the 20-somethings in your life probably arent the first people who come to mind.

For many Millennials, finding a good job, spending time with friends and paying back student loans often take priority, and its almost impossible to find the extra energy to establish a personal budget.

But this failure to budget could have long-term consequences for 20-somethings themselves — and the entire country.

Currently, 44.5 million people in the US are in their 20s, according to US Census data, making it the nations largest age group. The spending and saving habits of this...

Each week I round up advice from some of my favorite personal finance bloggers to share with Kip Tips readers. This past weekend I had the chance to meet many of these bloggers in New Orleans during a financial media conference. So I used the opportunity to ask them in-person what is their single best tip for saving money. Here is the advice they offered:

SEE ALSO: 30 Ways to Waste Your Money

Downgrade your technology, says Sandy Smith of Yes, I Am Cheap. She says that we get so hooked on technology that we fail to ask ourselves whether we really need to buy the latest and greatest gadgets. We often don’t bother to add up how much we’re spending on technology....