Christmas is here and it’s time to start planning all the details of this magical period. Parents have heard their wishes from their children, their boyfriends think how they will impress the guy, the couples want to show off creativity, and many others yearn for the magic family night. It is also true that for many, Christmas is a day like many others, without joy, novelty or desire.
Independently of all this, the gifts are part of the party of the majority of the families, beginning with the entrance of the court of the Christmas a race to the commercial establishments to buy at the best price all the necessary gifts to satisfy the desires of the youngest and oldest .
Even though this economic instability and uncertainty exists, there is something in this Christmas period that affects the ability of consumers to make choices. Basically there is something that makes most consumers lose their heads even for a short while.
Credit cards are authentic weapons of mass destruction
The credit cards help to the control of the purchases in this period of celebration. They encourage consumption and prevent rational and choice-based action.
So if you follow the following 5 tips to use the credit card this Christmas you will certainly feel greater control and greater comfort as soon as this holiday period is over and it is time to account for all the excesses.
ONLY NEEDS A CREDIT CARD
There will definitely be lots of opportunities in shopping for credit card purchases this Christmas. They will be discounts, payment facilities and even offers for joining the credit cards of these establishments.
Avoid this membership process because if you have not planned the arrival of a new credit card in your budget then one more card will only undermine the future stability of your finances.
ALWAYS USE THE SAME CREDIT CARD
Concentrating all your purchases on just one credit card will allow for greater control and awareness of the expenses incurred. Almost there is a risk that you should choose whether to buy your purchases on credit or cash, because if you choose only one mode of payment you will know at every moment how much this Christmas will cost in your budget.
Diversifying payment methods may not demonstrate the true cost of Christmas, leading to more than likely buying.
IF YOU THINK TO PARCEL THEN OPT FOR THE CARD WITH LESS INTEREST RATE
No doubt. If you anticipate that you will not be able to pay your card debt balance as soon as the free credit period ends, then choose to use the credit card with the lowest interest rate. So the financial burden will be smaller, planned and will be part of your budget.
READ THE CREDIT CARD PURCHASES
The famous monthly shopping list was never as important as this holiday season. In fact, this period consumes a lot of money and a shopping list can facilitate the budgeting of this period as well as concentration on what is really necessary and indispensable. Thus there will be no place for the desire of the moment or impulse buying .
IF YOU HAVE A CREDIT CARD THEN BUY ONLINE
Famous for the always discounted prices and for the inexpensive experiences, the collective shopping sites offer lots of opportunities for this Christmas. It is amazing to know that there are dozens of collective shopping sites where registration is totally free.
Do You Have Many Credit Card Debts?
If you have too many credit card debt you should look for alternatives to a financial restructuring. Never forget that credit card interest rates imply a strong pressure on your family budget. Why not see if it is viable to consolidate credits or even to restructure credits? Make a diagnosis and see how much you can save!