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CBSMoneyWatch: 6 Steps to Get Your Retirement on Track in 2013

3. Increase Your Retirement Savings

You know a list like this wouldn't be complete unless I mention saving more money for when you eventually retire. If you participate in a 401(k) at work, bump up your savings by just 1-2 percent of your pay. It won't ruin your life -- most likely you won't even miss the money. And you'll learn how to get by on a lower income (see step 2 above).

Better yet, calculate how much money you'll actually need to retire comfortably using an online calculator. Many 401(k) plans give you access to such tools, and that's a good place to start. If you don't have such a calculator available, try using one that's available to anybody.

(iStock)

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The opinions expressed are solely those of the author and do not necessarily reflect the views of Comcast.

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