Plenty of people who are approaching retirement age are wondering if they’ll be able to exit the workforce during their golden years. It’s true, some might not even want to. But for those who are looking forward to retirement, it’s important to ensure there’s enough money left over to ensure you’re comfortable and happy.

What that means, most of the time is that sacrifices have to be made along the way. Living frugally for a while could mean the difference between a stress-free and a worrisome retirement.

Yet ‘living frugally’ is a bit of an umbrella term, as it covers many other steps you can take along the way. We’re here to break down all the steps you can take to ensure your financial stability in the future.