|
Credit Expert Bureau
|
12
Tips for the Holidays
How to keep your spirits bright and your wallet full
during the holiday season Whether you are celebrating Christmas, Eid,
Hanukkah or Kwanzaa this year, make sure you keep track of your holiday
spending to avoid a New Year full of
debt. TrueCredit has 12 festive tips for keeping your finances healthy
while creating holiday cheer:
-
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
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 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.
Sign up today for an absolutely N0 C0ST credit repair analysis.
To take advantage of this FANTASTIC offer CLICK HERE!!
|
|
