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12 Credit Safety Tips - Credit Watch
Credit Advice and Credit Tips for Shopping Safely. Credit Card Safety. 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...
Chose a credit card wisely.
When choosing make sure its one that suites your lifestyle and that it works with you not against you. Always try to pay off monthly if you can and this will help your finances and cash flow. If you look at credit in reverse and say well I could...
Credit Rewards Card Shark -- Rake in the Money
A good credit reward card can contribute to your retirement account, offer gas rebates, score theme-park or vacation tickets or take thousands off the price of your next auto purchase. Rewards at hotels, airlines, and retailers bring more to the...
Finding a Loan With Bad Credit
No matter what your credit history is the simple fact is that at some point in your life you will need a loan. If you have a few black marks on your credit report and you are feeling that your bad credit will not enable you to qualify for loans,...
The 7 Rules of Credit Card Balance Transfer
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The 7 Rules of Credit Card Balance Transfer
Credit card balance
transfer is a great way of consolidating your credit card debt, and also
finding a way of avoiding the terrible burden that debt can bring. Transfer...
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12 Credit Safety Tips - Credit Watch
Credit Advice and Credit Tips for Shopping Safely. Credit Card Safety.
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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