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When it comes to preparing for retirement planning one cannot underestimate the importance of using retirement planning tools. Careful planning is not just a good idea, but it is essential to managing your retirement funds and developing a strategy that will keep your money in supply for all of the years that you will need it. Sometimes, the use of a budget calculator can show that there are areas where you need to save. Here are some tips to help you save money: · Stop excess spending (little items here and there add up quickly) · Use a budget calculator, make a budget, and stick to it · Limit credit cards and their use · Make saving money a priority in your life · Scale back on big money spenders such as homes, cars, and debt