I have been hankering to give tips on how to retire early. I did, I was in my 50’s. Was it easy? Well yes and no. You have to scrimp and save quite a bit, but hey, you are giving the money to yourself! Most of these will be low cost savings, yet they will add up over time. My first tip is DO NOT BUY HOLIDAY WRAPPING PAPER. So what if a few people grumble in your family? Do you want to retire early or keep on slogging? Buy plain wrapping paper, meaning solid colors, striped, or even polka dot. No reindeer, jumping babies, throbbing hearts. Good colors are: silver, white, red, green, and blue. Hit up the thrift shops and yard sales. Folks, you can use this stuff for any occasion! If it is Christmas, add a green or red bow (or ribbons) if you want. You get the drift. Think about it, do your children really care about the paper? Hmm, I bet they are more excited about what is inside the box! If you absolutely have to, you can buy Christmas paper, but ONLY (a big only) if it is on sale. As I figured out long ago, you will only use this stuff once a year. With Pee Wee’s idea, you are set for 12 months!