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Avoiding Bad Credit and Repair
Staying in contact with your payments each month can help you avoid bad credit. If you research the marketplace before coming to a purchasing decision, you are well on your way to avoiding bad credit and repair credit hassles. You want to consider all ...
Credit Card Comparisons
Shopping around for a credit card can save you money on interest and fees. You'll want to find one with features that match your needs. This information can help you - Understand the features of credit cards - Compare credit card features and costs - ...
How Credit Card Points are Earned
Credit card companies offer varying benefits and promotions to entice their customers to use their credit cards not only in their everyday purchases but also for major buying decisions. One of the promotions that credit card companies have is the ...
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How to keep your spirits bright and your wallet full during the holiday season and others.
Whether you are celebrating Christmas, Eid, Hanukkah, Kwanzaa or just living life this year, make sure you keep track of your holiday spending to avoid a New Year full of debt.
Create a holiday budget that includes gift buying, decorating and entertaining expenses. Make sure the list is within your budget and stick to it!
Don't blow your balances. Check your debt analysis
Free Calculators online before you start to shop to see how much you can really afford to charge. If your debt reaches more than 50% of your available credit, you could see your Credit Score drop in January.
Keep an eye out for
Identity Theft
Identity Theft during the holidays. Sign up for Credit Alerts that will swiftly notify you if a Grinch has stolen your personal information.
Get creative with your decorations instead of spending a fortune. Paper snowflakes, pop-corn chains and homemade wreaths are just as festive as expensive
store-bought decorations.
Shop early. Spacing your purchases over a few paychecks will help you watch your budget and reduce the amount you charge.
Purchase and send gifts that need to be mailed early to avoid expensive one or two-day shipping rates.
Consider sending holiday postcards instead of letters. You can make the cards yourself and save on postage.
Make a point of checking your receipts to avoid any faulty charges. During the frenzy of holiday shopping, you can easily be overcharged for a purchase.
Take advantage of free gift-wrapping services. Every little bit counts!
Visit the ATM before your shopping trip and withdraw the budgeted amount. Paying with cash will keep you on track.
Avoid the "buy now, pay later" philosophy. Before you pull out your credit cards, gently remind yourself, "If I can't afford to pay for it with cash, I really can't afford it."
If you really want to give, but don't have the money, try creating less expensive homemade gifts such as jam, cookies or a creative gift basket.
Low Interest Credit Cards
About the Author
Itna Yeknom is an independent author for core industry related websites and blogs.
Credit 101 - Credit Basics
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