It's not all about the big trips and special occasions. There are plenty of ways to enjoy yourself day-to-day in retirement ...

Send items for this column to Joyce Spencer, 817 Main St., Barboursville, WV 25504; email [email protected]; or fax ...

There are many free and paid digital tools available to help you track retirement savings and budget for the future. Retirement planning tools vary in complexity, with some offering a simple ...