As the weather gets progressively cooler there’s a bit of a bite in the air, and Fall truly begins to settle in. For many of us, this means it’s time to start hauling out our cold weather gear, deciding what we’ll use and slowly layering it into our daily choices of clothes. This also means of course, that the holiday shopping season is beginning. The one rule prevailing over all is managing to keep your head above water and getting the best presents possible while doing so. Here are a few rules for treating your holiday budget like your retirement, and for making sure that you’re addressing both appropriately.
Anyone who goes to the gym knows the pain of searching for a spot in the parking lot at the beginning of January. Yoga classes that are empty the week before Christmas are crammed to capacity as soon as New Year’s Day dawns, and machines that gather dust all summer feature lines three people deep. Then, around the middle of February, the new faces begin to fade. Classes that were temporarily packed regain their elbow-room, and the more esoteric machines in the circuit fade back into obscurity.
Often the reason that body shapers, and retirement savers, fail in their efforts is that they set the wrong goals.