Cut your spending
If you have been forced to retire earlier than you had anticipated, the first thing you need to do is to cut your spending now.
Use public transport whenever you can. Cancel your cable subscription and sign up for cheaper alternatives such as Netflix or Amazon Prime or just watch shows via the Internet. Eat home-cooked food and avoid eating out as much as possible, even if you have coupons to a fast food establishment.
Stay focused and cut all the non-essential spending so that you have enough money for essential expenses such mortgage and insurance payments.
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