10-24-17 3:23 AM EDT | Email Article

Staying focused on the big vision helps. Before, we rewarded ourselves all the time with meals out or purchases or traveling in a higher style. Recently we went to Japan and were strategic in what we cut and spent on. Instead of staying at a luxury hotel and going out to expensive meals we stayed at the Courtyard [by Marriott] and ate all the really fantastic cheap food in Tokyo.

It's important to remember you don't have to have it all figured out. Go one step at a time. First get a handle on what you're spending and how much is going to different categories. Make sure you have a clear vision of what you're retiring to. Just thinking 'I can't wait to quit my job' isn't ideal motivation. Have a positive vision of what you do want.

-Angela Moore; 415-439-6400; AskNewswires@dowjones.com

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(END) Dow Jones Newswires

10-24-17 0323ET

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