The Survive and Thrive Boomer Guide

Baby boomers working on getting in gear for the New Year

It’s a new year and time to think about fresh starts, new goals, and another year under our belts. 

No matter life’s ups and downs, the baby boomer bloggers in our group keep writing articles and booming along.

This week they’re writing about travel, names for grandchildren, holiday spending, menopause bellies, work stress, and visioning.

Jennifer Koshak of Unfold and Begin writes about these articles in the Best of Boomer Blogs #579. Click here to get the links to the articles. And be sure to join in the conversations. Boomer Bloggers love to hear from readers.

Copyright 2019, Rita R. Robison, Consumer Specialist

Did you overspend for the holidays?

About 93 million Americans, or 37 percent, overspent over the holidays, and 46 million people, or 18 percent if Americans, regret at least one holiday purchase, according to WalletHub’s 2019 Post-Holiday Shopping Season Survey.

“Buyer’s remorse is especially common when a purchase is made on impulse,” said Paul Rose, interim dean of the School of Education, Health, and Human Behavior at Southern Illinois University. “Many people procrastinate when purchasing gifts, and run out of time in December to carefully consider their purchasing options.”

There’s also a cultural connection between the holidays and shopping. Three in 10 people say that spending more makes the holidays happier, while two in 10 say that the holidays are worth accumulating credit card debt for.

How to return holiday gifts

About a third of American consumers returned holiday gifts last year. Hopefully, you kept your receipts and aren’t on a long vacation so you can take care of your returns efficiently and promptly.

The Better Business Bureau offers these tips for your holiday returns:

The seller’s return policy. If you don’t recall what the seller’s return policy is, check its website or the back of the receipt. If you have questions, call the store to ask about what you want to return. Retail stores may have different return policies than the company’s online website.

How is your Christmas Day going?

Merry Christmas to those of you who celebrate this day, the annual festival commemorating the birth of Jesus Christ.

Nine-in-ten Americans — and 95 percent of Christians — say they celebrate Christmas, according to a Pew Research Center survey. These figures have generally held steady in recent years. Today, 46 percent of Americans say they celebrate Christmas as primarily a religious rather than cultural holiday.

Consumers spent about $1,007 for the holiday season this year, up 4.1 percent from the $967 spent last year, according to a survey conducted for the National Retail Federation. Hopefully, you kept your receipts so you can return clothes that don't fit or gifts that didn't meet their mark in terms of pleasing the recipient.

Facts and figures for the 2018 holidays

It’s that time of year. The holidays are upon us. Hanukkah has been celebrated and today is the Winter Solstice, the shortest day of the year in the Northern Hemisphere, the day with the least daylight and the longest night. Christmas is approaching rapidly as is Kwanzaa, Dec. 26 to Jan. 1.

Celebrants

Nine-in-ten Americans — and 95 percent of Christians — say they celebrate Christmas, according to a Pew Research Center survey. These figures have generally held steady in recent years. Today, 46 percent of Americans say they celebrate Christmas as primarily a religious rather than cultural holiday.

Baby boomers, the holidays, and thoughts for December

Do you, your partner, or a family member have a birthday in December?

Rebecca Olkowski of Baby Boomster’s birthday was Sunday, and it was a big day in many ways because she turned 65. Olkowski reports as a December baby, she’s used to sharing her birthday with all the holiday traditions that take place during the month. In some ways, it’s fun, Olkowski says, because it’s a festive time of year, but December birthdays always get mixed up with everything else. December babies are used to receiving combo birthday–Christmas–Hanukkah presents. It’s part of the deal, she says.

Olkowski reports, in the Best of Boomer Blogs #577, that boomer bloggers are writing about the holiday topics of how to create new holiday traditions and how to handle grief at the holidays.

On Giving Tuesday, choose careful which charities or organizations will get your donations

Today is Giving Tuesday, a day following Thanksgiving on Thursday, Black Friday, Small Business Saturday, and Cyber Monday, designated for giving charities and organizations some of your holiday cheer.

It’s a good thing to do. You support the causes that are important to you and you’re making donations before your money is gone or your credit card bill is high due to holiday spending.

However, caution is needed so that your money goes to worthwhile.

Here are tips to make sure your Giving Tuesday donations make a difference and aren’t wasted:

What are your favorite stores for holiday shopping?

On Sunday, I went to the outlet mall with my daughter and her teenage son to buy his Christmas presents. Now that he’s a teen, he wants clothes for Christmas – and he wants to pick them out.

We went to Adidas. He bought a pair of sweats and we picked out a t-shirt for him also because the Black Friday deal was 25 percent off on the second, less costly item.

Next, we went to Nike. He picked out a pair of running shoes and a sweatshirt. My daughter was excited to find a rain jacket she could wear when running. And, she found a sweatshirt she liked. The deals were better Adidas. Thirty percent off on everything.

The third stop was at the store for my grandson’s sports team. He bought a coral-colored hoodie there.

It was a boring shopping trip. The shops were filled mostly with gray, black, and navy blue clothes. I looked longingly at the pretty patterns and bright colors when we passed by the women’s stores. Later, my daughter said.

My favorite stores for holiday shopping are:

Tips to help consumers protect themselves on Black Friday and Cyber Monday

As millions of holiday shoppers head out for Black Friday shopping and take to their computers for Cyber Monday, it’s important to remember that just because items are supposedly on sale, all may not be what it seems.  

“When purchasing gifts for family and friends, we encourage consumers to use our tips to protect themselves against fraudsters and scams,” said New York Attorney General Barbara Underwood  

Underwood offers the following tips for consumers shopping on Black Friday and Cyber Monday:

Top 10 stores for Cyber Monday shopping

Cyber Monday isn't just for Black Friday leftovers. Some of the year's best sales will take place on Monday, Nov. 26. So, you may want to save part of your holiday shopping budget for Cyber Monday deals.

Which stores will be offering the best savings? DealNews.com offers 10 suggestions, based on the best sales last year from Cyber Monday and the Sunday before.

1. Amazon

Best for: Gaming, toys, home, and almost anything else you can buy online

While plenty of other retailers offer Cyber Monday sales, none of them match Amazon's. Last year, DealNews.com saw three times as many Cyber Monday deals at Amazon as the next highest retailer.