How can get through the holidays without blowing you budget and stressing out over money? Here are the slides from a webcast with TD Ameritrade that shows you 1) Tips you can use to keep yourself on track 2) How to outsmart the tricks retailers use to make you spend more 3) What the research shows about what gifts are effective and memorable. Enjoy!

1. Behavioral Tricks for
Better Holiday Spending
(that don’t require budgeting)
A TD Ameritrade Webcast

2. It’s tim to manage your (lack of) money!

5. Topics
1
Introductions
2
Setting Up a Plan of Attack
3
Outsmarting the Retailers’ Tricks
4
Buying Effectively

6. Who Is This Guy?
Steve Wendel
Principal Scientist
HelloWallet

7. A Bit About HelloWallet
Customer Centric SaaS Company
Behavioral Science Driven Software
Backed by Consumer Finance
Expertise
Community Partnerships
Best in Class User Experience

8. New Products Using Behavioral Science
Helping people change
routines and behavior
Voluntarily. Transparently
From exercise,
to organizing email

9. A Guide for Applying Behavioral Research
http://bit.ly/changebehavior

10. Lots of New Behavioral Research

11. Next Up – The Plan of Attack
1
Introductions
2
Setting Up a Plan of Attack
3
Outsmarting the Retailers’ Tricks
4
Buying Effectively

12. Pick Your Target Amount
List out all the friends and family you need to buy for….

13. Trick 1: Separate It
Normal Stuff
Holidays

14. Trick 1B: Pre-Save

15. Trick 2: Pay Cash, With Large Bills

16. Trick 3: Close Off Your Options

17. Trick 4: Make a Pact

18. Trick 5: Make Specific Plans

19. Trick 6: Sleep Well. Eat Well.

20. Next Up – Outsmarting the Retailers
1
Introductions
2
Setting Up a Plan of Attack
3
Outsmarting the Retailers’ Tricks
4
Buying Effectively

21. Trick 1: Limited Time, Limited Number…
Out of stock? Yeah, sure.

22. Trick 2: Nostalgia
They aren’t playing that music because they like it.

23. Trick 3: Teaser Sales

24. Trick 4: “Friend” Updates

25. To Learn More
www.bloomberg.com/news/2011-11-23/holiday-survival-secret-tricks-ofretailers.html

26. Next Up – Buying Effectively
1
Introductions
2
Setting Up a Plan of Attack
3
Outsmarting the Retailers’ Tricks
4
Buying Effectively

27. It’s the Wrong Game
Look, gifts are always the wrong thing.
But they are still important.

28. Money And Effort Don’t Make It Better

29. Buy Experiences.

30. Buy Time Together.

31. It Affects You Differently Than Them

32. To Learn More
http://bit.ly/happy-money

33. Summary
Make a plan of attack
Know the tricks they’ll use
Give gifts for impact

34. Help People Manage Their Money
www.hellowallet.com

35. Help People Take Action
http://bit.ly/changebehavior

36. Comments? Stories?
@sawendel
www.about.me/sawendel

37. Thank You!