Enough Money for the lifestyle you enjoy is certainly one of the keys to a happy retirement (although good health has to be the most important).

How do you arrange this?

I think a detailed budget is the best place to start.

How to do this?

Step 1:  Create a spreadsheet with columns where you can place your monthly spending. Have 12 sheets - one for each month.

Step 2: Download your bank transactions every month and assign each outgoing amount to a column.

This is a wide spreadsheet so here is the left side:

And here is the right side:

More details about the sheet calculations in the next post on the Money topic