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Here are three ways to do it, plus a few additional tips forstretching your holiday budget even further.

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3 Rules for Creating Your Best Holiday Budget in Retirement

1.

Then, use this year as a learning opportunity to boost the effectiveness of your budget for next year.

Those are the things youll want to plan for or avoid next time around.

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If they know about your situation, theyre less likely to pressure you into overspending.

Use Shared Notes and List Apps

A little technology can go a long way.

Have a dinner party or cozy catch-up with friends coming up?

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Make the most of amore expensive eventby planning it ahead of time and going all-in on making it memorable.

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