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trap for credit card holders, is the Holiday Seasons. Why? Mostly because credit card holders usually have trouble keeping control of their purchases specially when buying gifts. We all want to give only the best for your loved ones and friends but we shouldn't forget that we also have a responsibility to consider. We all have the obligation to pay back what is charged on our credit card.
To avoid the headache and misery that being stuck in debt brings, make sure that you're prepared to face the holidays. Let's talk about how you can get through the holiday season without putting yourself in a mire of credit card debt.
Plan early. Everyone knows that early preparation is the best way to combat the holiday rush. Most items increase in price as the holiday season approaches. Therefore it's best to start buying your gifts a few months in advance.
Prepare your list of recipients and write down the possible gifts you'll want to give them. Purchase each gift one at a time so you don't end up purchasing everything all at once. It is also a good idea to buy your holiday cards, gift wraps and other things you need for your gift giving early in the year.
Take advantage of sales. When you've prepared your gift-giving list early, you can choose to purchase your gifts when there is a sale in your local shop and all items are sold at a discounted price. You can also choose to purchase online and avail of special promotions such as free shipping and discounts before the holiday rush.
What about after the holidays?
Check your debt status. Now that the holidays are over and you've already done your shopping, the best thing to do is total all your credit card debts and work on your repayment plan.
Do you own more than one credit card? Do you currently have existing balances on each of your credit cards? If so, then consider consolidating all your credit card bills and transfer them over to you card that has the lowest rate of interest.
This way, you can focus on submitting your payments to just a single credit card issuer. More importantly, you cut back significantly on the additional interest rates you'll be paying.
Cut back on your spending. Since you're confronted with debt, you want to make the most out of your monthly salary. Do your best to complete all your credit card debts at the soonest possible time.
In order to achieve this [link widoczny dla zalogowanych], it may be necessary for you to give up on some of your luxuries and cut back on unnecessary spending. The sooner you can get off from your credit card debt [link widoczny dla zalogowanych], the sooner you can take control of your finances.
Don't be too confident on submitting only the minimum payment on your credit card, thinking that you don't need to rush with your payments. That kind of thinking can easily put you in debt trouble before you even realize it.
Don't use your credit cards. You'll need to put a halt on your credit card use at least after you've managed to pay off all your balances. If you must use your credit card to keep it from closing [link widoczny dla zalogowanych], use it only for small purchases that you can easily pay back.
Copyright (c) 2009 Suzy Vanstrusen