The Right Ways to Use Credit Cards this Christmas

A lot of consumers fall in to deep credit card debt right after Christmas. No one can really blame them because indeed, it is easy to lose control in the midst of the crazy holiday's shopping. However, being stuck in debt is a credit card blunder that can cause financial ruin if not rectified early on. But consumers don't have to end this way if they know how to handle their Christmas shopping. Using the right ways to use credit cards this Christmas, consumers can have a wonderful time without the debt.

Shopping at Sales

One way to save money during shopping is by buying items at a discount. During Christmas season, sales and discounts are plenty and this is the right time to buy all the gifts they'll going to give. Sales can be found in the malls, garage sales, thrift shops, and even online.

Setting a Budget

If there is one thing that should be clear during Christmas shopping that is the budget.People must determine early on how much will they be willing to spend on each present. This may depend on the kind of presents they have in mind. Some may come cheap and some expensive. But regardless, people must list everyone that needs gifting and they should write the amount of the corresponding gift.

During shopping, they must stick to their budget and avoid charging unnecessary things. This will cause impulse buying and they would end up regretting this shopping crime later on. By sticking to the list people don't lose the discipline and will to keep away from debt.

Redeeming Points

If a consumer has diligently earned points throughout the year, Christmas would be a good time to redeem them. This can tremendously help in saving for Christmas presents because the rewards may give gift certificates or discounted shopping at select stores. Gift certificates can mean free shopping. In this case no credit cards will be involved thereby saving a consumer from debt. In some cases, prizes can be in forms of items. The consumer has a choice to whether gift the item or save it for himself. Either way, he won't have to use his credit cards to buy gifts.

After the holidays, even if a consumer managed to escape the troubles of deep debt, he would still accumulate some debt from his other charges. The best way to get out of this fast is by paying on time and in bigger amounts. This shall finish off the debt in a short span of time.

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Sean Teahan co-founder of Cash Doctors,Australia's preferred short term lender, shares his insights on money matters. Founded in 2005 Cash Doctors has helped thousands of Australians with their fast cash loans but that's just the short term solution. Cash Doctors also help people in the long run by providing budgeting tools, e-books and individually researched articles on money matters and financial tips. The aim is to assist people in achieving instant and long term financial freedom.

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Daily Inspiration -November 24, 2010

By Terry Minion -

"Out of clutter, find Simplicity.
From discord, find Harmony.
In the middle of difficulty lies Opportunity."

-- Albert Einstein

Life would not expand if we always got what we wanted. To go even deeper, there wouldn't even be a choice that exists. In order to choose, there must be something to choose from.

The choices don't have to be so even as dark and light, yes and no, but contrast of one thing that doesn't feel as good compared with something that feels better allows expansion as well.

From that then, out of clutter, simplicity is possible and if desired will come. From discord, harmony is a possibility if desired. And, as with opportunity always existing within difficulty, born of the contrast, a desire is born that chooses a preference and makes a decision to focus on this instead of that.

Perhaps then at some point, realizing this, expands into accepting it as it is, as it always has been and that there never need be concern again about the clutter, discord or difficulty, for out of them, we learn to pay attention, make choices that feel better, move toward them, and expand.

Daily Inspiration -November 23, 2010

By Terry Minion -

"The essence of optimism is that it takes no account of the present,
but it is a source of inspiration, of vitality and hope where others
have resigned; it enables a man to hold his head high, to claim the
future for himself and not to abandon it to his enemy."

-- Dietrich Bonhoeffer


"Optimism doesn't wait on facts.
It deals with prospects.
Pessimism is a waste of time."

-- Norman Cousins

No matter how optimistic you think you are, there is probably someone to help you strengthen it. For me, that is my business partner, Ryan Stone.


I've always considered myself an optimist, looking toward a brighter future, but a lot of that was smoke and mirrors for a long time. It was a trained response. You see, I got into sales as a career when I was 22 and then at 25 became a sales manager, so I had to learn to be optimistic, to encourage and to be a leader--or try to be a leader. As a newbie in this field, I studied and studied and read books, listened to records and did everything I could to become an optimistic person and lead accordingly.

As a result of the constant study, (which I have yet to stop over 30 years later) I have to say that I think I succeeded for the most part. But, there are days. . . You probably know what I'm talking about--days when you feel pessimistic and doubtful; days when you just didn't get enough sleep, or feel like you need a vacation from the hustle and bustle of life, you know. . . escape!

I have to admit that I have those days. I am also very pleased that they are few in comparison with my past; however, when they come, sometimes I just need a little help from my friends, you know? Ryan is that. He can turn me back around toot sweet and have me laughing and cashing imaginary checks and what not. I think we do that for each other actually. It seems he gets that way too sometimes, and I help him get back on track.

We all need some friends sometimes. One of the most awesome things we can all do is to surround ourselves with people who, for the most part, are uplifting, optimistic, and encouraging. It can make all the difference, I know it for a fact.

Thanks, Ryan! The best partner I can imagine having. I'm blessed.

This Week on BABU Radio - The Benefits of Being Thankful

Thanksgiving is here again and everyone is talking about all that they have to be thankful for. But did you know that there are actually benefits to being thankful, in and of itself? Discuss this an more during this edition of BABU Radio.
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