1) education series finding ways to boost your investments Savvy shoppers know how to find the bargains. So what do they do with all that money they save? Wise shoppers would invest those savings and start building a nest egg that could provide financial security in retirement. After all, a penny saved is a penny earned. And over time, those pennies could add up and help “buy” a more enjoyable retirement lifestyle. If you're ready to start saving for retirement or want to ramp up your current contribution, but there just doesn't seem to be enough money left over at the end of the month, don't give up. The following strategies could help you manage your money better and free up resources for your investment goals. •  tart budgeting. While most of us know what S a budget is, how many of us actually use one? A budget can help you chart your cash flow by recording all of your sources of income and your fixed and variable monthly expenses. Once you determine where your money is going using a budget, you can prioritize your needs, Ameritas Life Insurance Corp. of New York RP 2612 NY 8-14 potentially identify expenses that could be eliminated and instead, start setting that aside for your retirement savings. •  ut down on credit card expenses. Avoid C using credit cards whenever possible, but if you can't, at least work to pay off your debt. Consider transferring your balances to a card with a lower-interest rate and try to pay at least twice the minimum monthly payment. •  atch transportation costs. Do you really W need a brand new car right now? You could save thousands by purchasing one that's just a year or two old and yet still has a warranty. If you purchase a car—new or used—carefully consider whether to finance or lease it. The decision could dramatically affect your monthly expenses. •  ut your extra cash to work. Did this year's P tax refund, raise or bonus burn a hole in your pocket? The next one doesn't have to. Make plans now to invest it. 

2) •  ut down on "luxury" spending. If you only C go snowboarding or skiing twice a year, it might make more sense to rent equipment instead of buying the latest model and watching it collect dust the rest of the year. Renting movies instead of paying $8 or more to see the latest release and bringing lunch to work are other ways you can watch your bottom line without cramping your own style. It may be difficult at first, but once you start you'll see that a little bit of discipline can make a big difference when it comes to finding the money to pursue your financial objectives. Ameritas Life Insurance Corp. of New York Ameritas Life Insurance Corp. of New York Retirement Plans Division 1350 Broadway, Suite 2201 New York, NY 10018 800-923-2732 ameritas.com Ameritas is a subscriber to Wealth Management Systems, Inc. and uses its subscription services to produce this marketing piece. This material was prepared by Wealth Management Systems, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates and should not be construed as investment advice. Because of the possibility of human or mechanical error by Wealth Management Systems Inc. or its sources, neither Wealth Management Systems Inc. nor its sources guarantees the accuracy, adequacy, completeness or availability of any information and is not responsible for any errors or omissions or for the results obtained from the use of such information. In no event shall Wealth Management Systems Inc. be liable for any indirect, special or consequential damages in connection with subscriber’s or others’ use of the content. This information is provided by Ameritas®, which is a marketing name for subsidiaries of Ameritas Mutual Holding Company, including, but not limited to: Ameritas Life Insurance Corp., Ameritas Life Insurance Corp. of New York and Ameritas Investment Corp., member FINRA/SIPC. Ameritas Life Insurance Corp. is not licensed in New York. Each company is solely responsible for its own financial condition and contractual obligations. For more information about Ameritas®, visit ameritas.com. Wealth Management Systems Inc. is not an affiliate of Ameritas Life Insurance Corp. of New York. Ameritas® and the bison design are registered service marks of Ameritas Life Insurance Corp. Fulfilling life® is a registered service mark of affiliate Ameritas Holding Company. © 2014 Ameritas Mutual Holding Company