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.

1. How To Avoid
Blowing Your
Retirement
Savings On The
Holidays
Tom Toggas

2. 1. Look For Deals
• Search for and compare
deals online
• Take advantage of
discounts during Black
Friday & Cyber Monday
• Learn Couponing

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. 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. 4. Use Cash
• Use the money you
have available
• Save the credit card for
emergencies

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. For More Info
Visit: TomToggas.com