The holidays are consistently a tough time to save money; for most a decision has to be made between saving or spending. But what if we told you there is a simple way to continue saving towards retirement without decreasing your take-home pay?

Everyone already knows about the classic cost cutting, and best ways to save during the holidays such as:

• Creating a budget
• Shopping early
• Sticking to a shopping list
• Setting boundaries on gift giving
• Avoiding traveling / being flexible with when you fly
• Gifting your time or homemade gifts
• Reduce, Reuse, and Regift

The list goes on and on, and while those are all helpful and effective options to cutting costs, we have a better idea! With Lendtable, if your employer offers a 401(k) match, we’ll send you money to offset what is leaving your paycheck to go into your 401(k). This way you’re saving for retirement at no cost to you. Instead of reducing your 401(k) contributions when the budget gets tight, let Lendtable replace those funds for you!

A 401(k) account is one of the most effective ways to save for retirement and many employers offer a matching program. When your employer matches your 401(k) contributions, you are literally getting free money added to your retirement savings but 1 in 5 people do not receive the full 401(k) employer match available to them.

We believe the reason for this was not that they are making bad decisions, they are getting squeezed. They are choosing to pay their student loans. They are choosing to feed their families. They are choosing to pay off their mortgage. During this time of the year, they are choosing to spend on the holidays. They are making the right choices for their today at the expense of their tomorrow.

This is where Lendtable comes in. You can get reimbursed for your 401(k) contributions and keep 80% of the employer match. This means you maintain your income to pay for your current needs and get your employer matching contributions at the same time.

You shouldn’t have to make the decision between saving for retirement or buying holiday gifts. You shouldn’t have to make the decision between saving for retirement or buying airplane tickets to visit family. You shouldn’t have to choose between saving for retirement and paying down your debt. The bottom line is that saving for retirement when your employer is offering you free money, shouldn’t mean you have to give up other things.

We have helped more than 3000 people get more than $7 million in employer matching contributions and get on the path to a secure retirement. So, if you’re struggling with balancing saving for retirement and spending for today's expenses, check out Lendtable and see how we can start helping you today!