Avoid over-spending on things that you dont really need. Make a list of things you need to buy, and then limit spending on unnecessary things. You dont need designer clothes, bags, and accessories to keep in your closet, dont you? You dont also need gadgets you would change every now and then/
And also, you should also plan for your health because the large chunks of money go to health services (treatment and medication). You should consider long term care insurance to help you save from hefty health care bills
http://www.completelongtermcare.com