How to Survive at Age 45 or 50 with No Retirement Funds

Times are changing most people have been planning for their retirement for years as they should, and there are those who have not been planing at all, something to stop and think about. So, what do you do when you are finely at this age and have no retirement funds? well, it's still a lot of things you can still do to try and help make up for all the time when you wasn't saving for your retirement, it's not to late to start saving at this age but, you have to be really committed to your future because, you've already wasted to much time getting started and there's no time like the present. Here are a few suggestions to help get you started.

1.) First If you're still working you need to save more than before in order to catch up, add up all your expense to find out just how much more you can save.
Try to save big at this point you may have to give up a few things in order to do this, go through you expenses to see what you can get rid of and I'm sure you can find something you really don't need usually everyone have something they can eliminate from their budget, you have to think about it really hard and decided on whats important and what's not, and at your age your retirement is important because, you don't know when if ever you may become disable where you can't work.