December is the season of deals, discounts, and doorbusters. But while it’s tempting to go all out during the holidays, retirees and pre-retirees should tread carefully.

Here’s how to enjoy the season without compromising your long-term financial health.

1. Set a Holiday Spending Plan
Just like your retirement income plan, your holiday shopping list should have a clear budget. Determine what you can afford to spend without dipping into funds earmarked for essentials. A well-thought-out plan reduces the chance of regret in January.

2. Watch Out for Emotional Spending
The holidays bring joy—but also pressure. You don’t need to prove your love with price tags. Thoughtful gifts or experiences can mean more than the latest gadget. It’s easy to get swept up, but mindful spending can keep you on track.

3. Use Smart Tools
Cash-back cards, senior discounts, and budget tracking apps can help stretch your holiday dollar further. Avoid taking on debt that eats into fixed-income peace of mind. Even digital wallets now offer spending insights to help you stay within your limits.

4. Remember the Big Picture
Overspending now can mean underperforming later when it comes to travel, healthcare, or leaving a legacy. Keep your retirement goals in view, even amid the festivities. Every dollar saved now is one that can enhance your future.

Final Word:
‘Tis the season to celebrate—but don’t let December spending derail a January budget. With the right mindset and tools, you can enjoy the holidays while preserving your retirement plan.