Falling into the trap of overspending on credit cards during the holiday season is never a good thing as far as your wallet is concerned, but wise spending with credit during your holiday shopping can be really beneficial.
If you already have excessive credit card debt, using credit to make your holiday gift purchases is likely not in your best interest. On the other hand, if youve been careful with your spending and you want to use credit cards for your purchases- here is how you can benefit most from using credit cards this season.
Determine Your Holiday Budget: And Stick to it Like a Melted Candy Cane!
The reason credit cards have gotten a bad name is because they are misused. People get carried away with the power of accessible cash, and sometimes forget its money that has to be paid back- or at least they arent thinking about how much theyll pay for each purchase after the interest has been accounted for!
Determine how much money you can afford to spend on your holiday gift purchases. You want to be able to comfortably pay back the money within a month or two of charging it to your credit card, to keep your interest rates down and to be sure you...
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