The materials on Smallbudgetretirement.com’s website are provided “as is”. I am not a financial advisor or professional in the area of finances. The posts on this site are for pure entertainment and represent a personal accountability piece. I make no warranties whatsoever, expressed or implied, of likely results. In other words, by imitating or replicating what I do or I have done in the past is no guarantee that your results will be similar.
My only serious advice is to seek professional advice if needed.

4. Limitations

In no event shall I be liable for any damages as a consequence of imitating my financial ideas or opinions. Likewise, I do not warrant that any of the materials on this website and the ones I link to are accurate, complete, or current. I may also make changes to the materials contained on this website at any time without notice to visitors.

6. Links

I have not reviewed all of the sites linked to Small Budget Retirement’s website and I am not responsible for the contents of any such linked sites. The inclusion of any link does not imply endorsement of such site or use of such linked website. The use of these sites is the user’s own risk.

7. Site Terms of Use Modifications

By using this web site you are agreeing to be bound by the then current version of these Terms and Conditions of Use.

8. Governing Law

Any claim relating to Smallbudgetretirement.com’s web site shall be governed by the laws of the State of Illinois without regard to its conflict of law provisions.

General Terms and Conditions applicable to Use of a Web Site

Per FTC guidelines, this website may be compensated by companies mentioned through advertising and affiliate programs. Any references to third-party products, rates, or websites are subject to change without notice.

The author of this site pursues finding products, services, and information that can help readers save money or make money. Small Budget Retirement also aims to help readers gain greater control of their finances.


Advertising partners may deliver ads to visitors on this website using cookies. Cookies allow the ad server to recognize your computer and serve a targeted ad according to individual preferences and that will be of most interest to you.
Advertisers have no input or influence on my writing.

Some of my posts may make reference to different products or services that I have found beneficial either for me or my family. Through affiliated links when you click on some of these links I may earn a small commission for referring you, or any visitor, to a third party company.

This site will also participate in advertising campaigns through Google Adsense.

Google uses cookies to help serve the ads it displays on the websites of its partners, such as websites displaying Google ads or participating in Google certified ad networks. When users visit a Google partner’s website, a cookie may be dropped on that end user’s browser.

  • Third party vendors, including Google, use cookies to serve ads based on a user’s prior visits to your website or other websites.
  • Google’s use of advertising cookies enables it and its partners to serve ads to your users based on their visit to your sites and/or other sites on the Internet.
  • Users may opt out of personalized advertising by visiting Ads Settings. You can opt out of a third-party vendor’s use of cookies for personalized advertising by visiting www.aboutads.info.)

If you have not opted out of third-party ad serving, the cookies of other third-party vendors or ad networks may also be used to serve ads on this site.

  • Third-party vendors and ad networks will serve ads on this site.
  • Provide links to the appropriate vendor and ad network websites.