During the holidays, it feels as if using your credit card is the absolute only option when it comes to gift buying. However, that may not be the best approach.
If you aren’t keeping a detailed budget, it can be easy to overspend quickly as you get caught up in all the deals. This becomes especially problematic when you are unable to pay off your balance in full at the end of the month, which is usually the ideal way to pay you bill.
If you find that you’re easily attracted to flashy deals and bargains, just say no the swiping that card this season.
Image via https://nomorecreditcards.com/.