Credit tips for shopping safely

1. Credit Advice and
Credit Tips for
Shopping Safely
http://SafeSpaceOnline.com
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 1- Create a holiday budget that
includes gift buying, decorating and
entertaining expenses. Make sure the
list is within your budget and stick to
it!
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 2 - Don't blow your balances. Check
your debt analysis
Free Calculators online before you
start to shop to see how much you
can really afford to charge. If your
debt reaches more than 50% of your
available credit, you could see your
Credit Score drop in January.
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 3 - Keep an eye out for
Identity Theft
Identity Theft during the holidays.
Sign up for Credit Alerts that will
swiftly notify you if a Grinch has stolen
your personal information.
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 4 - Get creative with your decorations
instead of spending a fortune. Paper
snowflakes, pop-corn chains and
homemade wreaths are just as festive
as expensive store-bought
decorations.
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 5 -Shop early. Spacing your
purchases over a few paychecks will
help you watch your budget and
reduce the amount you charge.
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 6 - Consider sending holiday
postcards instead of letters. You can
make the cards yourself and save on
postage.
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 7 - Make a point of checking your
receipts to avoid any faulty charges.
During the frenzy of holiday shopping,
you can easily be overcharged for a
purchase.
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 8 - Take advantage of free gift-
wrapping services. Every little bit
counts!
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 9 - Visit the ATM before your
shopping trip and withdraw the
budgeted amount. Paying with cash
will keep you on track.
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 10 - Avoid the "buy now, pay later"
philosophy. Before you pull out your
credit cards, gently remind yourself,
"If I can't afford to pay for it with cash,
I really can't afford it."
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 11 - If you really want to give, but
don't have the money, try creating
less expensive homemade gifts such
as jam, cookies or a creative gift
basket.
By: Itna Yeknom
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