How To AvoidBlowing Your

RetirementSavings On The

Holidays

Tom Toggas

1. Look For Deals

• Search for and comparedeals online

• Take advantage ofdiscounts during BlackFriday & Cyber Monday

• Learn Couponing

2. Keep The Gifts to a Minimum

• Consider getting one (asopposed to getting 3 or 4or 5) really nice, wellthought out gift for eachperson on your list.

• Ask each recipient towrite down a list of thingsthey would like or coulduse

• Work as a team.

3. Have a Budget

• Create a reasonable budgetfor your gifts and stick to it.

• Create a budget for eachindividual person for whomyou will purchase a gift tomake sure you stay in line

• Going over a little is fine,but have a baseline insteadof splurging

4. Use Cash

• Use the money youhave available

• Save the credit card foremergencies

5. Buy Throughout the Year

• Start planning a yearahead

• Some things are cheaperin the off-season

• You don't have to waituntil November to startbuying or saving

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