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Tom Toggas - How to Avoid Blowing Your Retirement Savings on the Holidays

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Tom Toggas shares ways to prevent splurging and un-savvy spending during the holiday season. These tips will help any retiree ensure that they're considering long term needs versus short term decisions. It's all about saving.

Published in: Economy & Finance
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Tom Toggas - How to Avoid Blowing Your Retirement Savings on the Holidays

  1. 1. How To Avoid Blowing Your Retirement Savings On The Holidays Tom Toggas
  2. 2. 1. Look For Deals • Search for and compare deals online • Take advantage of discounts during Black Friday & Cyber Monday • Learn Couponing
  3. 3. 2. Keep The Gifts to a Minimum • Consider getting one (as opposed to getting 3 or 4 or 5) really nice, well thought out gift for each person on your list. • Ask each recipient to write down a list of things they would like or could use • Work as a team.
  4. 4. 3. Have a Budget • Create a reasonable budget for your gifts and stick to it. • Create a budget for each individual person for whom you will purchase a gift to make sure you stay in line • Going over a little is fine, but have a baseline instead of splurging
  5. 5. 4. Use Cash • Use the money you have available • Save the credit card for emergencies
  6. 6. 5. Buy Throughout the Year • Start planning a year ahead • Some things are cheaper in the off-season • You don't have to wait until November to start buying or saving
  7. 7. For More Info Visit: TomToggas.com

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