When Clayton Pope entered the full-time workforce as an enforcement officer for the Delaware State Park system three years ago, he had some decisions to make about investments in the state retirement plan. For someone who had never invested before, it was a “pretty overwhelming task,” he said. “So I approached it just like I would a college paper” and headed to the library to do some research.

After reading several books and consulting with friends and family members, he put together what many financial experts would consider a textbook approach. For more about Clayton's savings story, click here.  

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Read through your credit-card statements and stay on the lookout for ongoing monthly fees that you may have forgotten about. Cancel any club memberships you don’t use and magazine subscriptions you don’t read. Click for more money saving tips.