Holiday Credit Card Shopping Guide

Cbrava Blogger Monday, May 12th, 2008

shopping with your credit card can quickly become a path to buyer’s remorse if you go at it without preparation. Your good cheer, your generosity, the store bargains, the ubiquitous advertisements, plus the convenience of using your credit card could all add up to the experience of having your good deeds punished. The Longest Day buy A credit card is a financial tool that, like any tool, should be used with care. Shopping on credit need not be a choice between being a Scrooge or being a spendthrift. Here’s the least you need to remember:

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Whatever mode of shopping you end up with, whether it’s going to the shops, browsing catalogs or going on-line, the first step you ought to take before going shopping would be to determine the amount of money you can afford to spend. Be realistic about this figure; it should be expressed as an integer and not as a range.

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It should also be based on funds you already have and can afford to lose. Do not base it on funds you expect to generate before the bills arrive. When drawing up this figure, scare yourself into thinking that it should be an amount that can, in a single payment, cover all your purchases during the holidays.

Make the thought count

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Make a list of the people you intend to give gifts to. Then take a moment to come up with an ideal gift for each person. The first entry, the “ideal” gift, is the one you would buy for him or her if your financial resources had no limits.

Be as creative as possible. Don’t think about costs the first time around. The principle behind this is to force you to think about the preferences of the recipient. Just keep coming up with gift ideas that you think the person will like. Then by the third or fourth entry, your gift ideas should tend towards the realistic, which is to say, affordable. For each name on that list, try to come up with an item that: a) the recipient will appreciate and b) your budget can handle. If you really put the time and effort to complete this process, you will find that by paying attention, you can end up not having to pay much.

Yes, you deserve a gift, or three, for the holidays!

If you’re old enough to own a credit card, then you’re old enough to discern between needs and wants.

With the same care and attention that you put into making a list of gift ideas for family and friends, make a list of gift ideas for yourself. Classify each item as either a necessity or a frivolity. Don’t give yourself a gray area between these classifications. Arm yourself with this list so that even with the festivities, the mood music, and the jovial atmosphere, you can decide whether a bargain is a useful bargain, or if that half-price item will be unused by the next holiday. Just as you would want to give a “thoughtful” gift, you deserve to show yourself the same kind of thoughtfulness.

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