Early Retirement is a reality

Resist the herd mentality
Some people make financial decisions not because it's a good investment but rather because of emotion. Consider basing those decisions on need rather than want. Just because everyone's doing it doesn't mean it makes sense.

Be content with less
Small lifestyle changes can lead to massive savings. Consider eating in and being efficient when spending your  money.

Stay the course
Educating yourself financially and putting your plans to paper will help you track spending and cut cost. Even if your income stays constant more funds can be directed toward investing.

Put your money to work

While an increase in salary or back pay may trigger a shopping spree for most of us why not invest surplus income as this could eliminate any spending temptations.

Cut back on large expenses

The average Trinidadian spends the bulk of their money on three things: housing ,transportation and food. As controversial as it may be consider cutting back on the biggest slice of the pie. By tackling your biggest expense first, you could save and invest hundreds more per month . You'd have to cut out 100 lattes a month to achieve the same result.