The holiday season is in full swing. As you join the ranks of Christmas shoppers, youll find plenty of ways to spend your hard-earned money. Using a credit card makes shopping easy; so easy, in fact, that many Americans will spend too much this month. Yet Christmas shopping does not have to lead to credit card debt. This year, you can take steps to avoid a gloomy credit card statement in January.
Create a Budget
Before you set out on a shopping spree, think about how much you plan to spend. Make a list of the people you need to buy gifts for. Set a limit for each present. If youre on the hunt for decorations, baking supplies, or wrapping paper, add those items to the list. Then estimate your total costs.
Using a credit card to buy the goods on your list can make shopping easy. Just be sure that you know what the credit limit is. Also, plan a way to pay back the credit card balance. Some experts advise spending only what you can pay off in three months. So if you can put $200 toward the credit card bill in January, February, and March, then keep your spending under $600 (you may have to pay a bit more depending on your cards interest rate). Others suggest...
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