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Mary Lloyd's Articles in Personal Finance

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Time to Rethink Work and Retirement? The decision to continue working or retire has more options than we typically consider. When the economy gets scary, giving up work seems insane. But the chance to have all the fun retirement promises also has allure. Luckily, it doesn't have to be an either/or decision. You can add work to your retirement plans in ways that leave room for the rest. Using what you believe is important to choose the work you want to do is the key. How to Live with the Downturn -- Assess Your Stuff How to Live with the Downturn -- Assess Your Stuff looks at what to do with stuff you need to part with. It considers the options of selling it, donating it, recycling it, and just plain throwing it way and discusses when each is appropriate. Our pleasure in buying stuff makes our economy hum. But sometimes, you need to cull the herd and get back to keeping track only of what you really love and need. How to Evaluate Your Consumption How to Evaluate Your Consumption helps readers look at ways they are spending money that they're not even consciously enjoying. If you don't even notice you bought it, maybe you didn't need it in the first place. We need to keep buying the things we appreciate as long as we have the money to do so. But spending money without having it make a difference is a waste no matter what the economy is doing.