Planning...invest in yourself

The first investment you should do is invest in yourself, what do you mean? It does not really matter how much you can save when a little time and money could return 100’s % or even 1000’s % on the money invested, if you invest in yourself. 
Time and time again I meet very interesting people who could earn more by changing jobs, start their own business or negotiate a higher salary with their current employer.  
Just think if you could increase your ‘salary’ by a few thousand (even hundreds) of pounds and saved this money as opposed to spending it, multiple this by the number of years to retirement and voila you have a nice cash pile in addition to other savings you are going to adopt! 
This is the power of investing in yourself, don’t under estimate your value. You are the managing Director of YOU.

So, stop, think, what is my USP (unique selling point/strengths) how can I enhance these, if I did X, would my employer, prospective employer or my own business value the proposed new skills and what premium could I demand over my peers (competitors), look at courses and training opportunities, maybe a 'Life coach' social media campaigns and contacts (for business owners) employ a mentor?. 

Remember, ‘any fool can earn money it takes a clever man to hold onto it’. so let’s start with investing in YOU! 

So, if you are ‘only a cleaner’, be the best cleaner, people will always pay for the best! And you should earn more.