Unless you plan to pay your credit card bill in full at the end of the month, don’t use your card for holiday shopping. This is the season of spending, and the more you charge to your card and wait to pay, surprise, surprise- the more you will owe! This year, pay for gifts in cash or set aside the money to pay off your holiday charges and start the New Year off right!
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A debt free holiday? That almost seems impossible these days with the kind of life we lead. But a great way to track exactly how much I am spending an easy way is to online shop and I just heard of some great benefits of online shopping. I am definately trying to beat Green Monday’s deadline because free shipping sounds more appealing than going to the stores and actually standing in hours of lines.