Comments on: Christmas Credit hangover? http://thepennysaved.com/2008/12/29/christmas-credit-hangover/ Personal Finance, career, investing, retirement, saving and debt blog Thu, 09 Sep 2010 11:58:12 -0400 hourly 1 http://wordpress.org/?v=3.0.1 By: Joe Sellers http://thepennysaved.com/2008/12/29/christmas-credit-hangover/#comment-11303 Joe Sellers Sat, 31 Oct 2009 08:17:21 +0000 http://thepennysaved.com/2008/12/29/christmas-credit-hangover/#comment-11303 This year more people will be watching what they spend but what everyone should remember is that putting your Christmas shopping on credit cards will end up costing you a lot more. For the items you find on sale now may be great but if you use a credit card you will be paying that difference in interest. This is why you should start buying your gifts early on in the year because you can pay in cash for 1 or 2 items at a time. As you know the credit card companies can also raise your interest rates and you don't want to get caught with a high balance when that happens. You should read this article I sent to the credit card companies right after they received the bailout. You can find it at http://www.dealingwithyourdebt.com/ This year more people will be watching what they spend but what everyone should remember is that putting your Christmas shopping on credit cards will end up costing you a lot more.

For the items you find on sale now may be great but if you use a credit card you will be paying that difference in interest. This is why you should start buying your gifts early on in the year because you can pay in cash for 1 or 2 items at a time.

As you know the credit card companies can also raise your interest rates and you don’t want to get caught with a high balance when that happens. You should read this article I sent to the credit card companies right after they received the bailout. You can find it at http://www.dealingwithyourdebt.com/

]]> By: JEM http://thepennysaved.com/2008/12/29/christmas-credit-hangover/#comment-3744 JEM Wed, 28 Jan 2009 18:03:17 +0000 http://thepennysaved.com/2008/12/29/christmas-credit-hangover/#comment-3744 I have never even thought about racking up debt for the holidays...we have a bugdet and stick to it. We do put everything on CC to earn points but pay it off before it is due. I have never even thought about racking up debt for the holidays…we have a bugdet and stick to it. We do put everything on CC to earn points but pay it off before it is due.

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