Here is an idea you probably have never thought about. What if while you are still eating Halloween candy you can hardly wait for Black Friday? Why wait? Most online retailers are already offering great deals on their websites and if you are a premium member on Amazon you are getting ‘killer’ deals already. Here is where credit cards and shopping come in handy.
Think about it. Instead of only having one month to ‘shop’ for Christmas, now you have two. This does two things: 1.) it spreads out your spending over a longer period of time while 2.) allowing you to pay back your spending for gifts over a longer period of time. You really do not need to wait until Black Friday with the deals already being offered with online shopping. Think about the relief of all that stress of shopping, before hunkering down on that tryptophan turkey. I recently say a 16 GB Motorola Smartphone on Amazon for only $200. Now granted, not everyone is in need of a new Smartphone. I am just saying that if you were, there are deals out there now for these items.
Perhaps your credit cards are nearing their maximums. If that is true you have another problem altogether. Click on this link to find out more about how to get out from under the debt trap. We define the debt trap as paying on your credit cards each month, however due to your interest rates, it seems like you are getting nowhere fast. This is where a Christian company such as Nationwide Debt Reduction, Inc. can help you. They specialize in helping folks get out of credit card debt in the fastest allowable time possible. Think about it.
Now, back to early shopping. After reviewing Amazon, Overstock, JTV, EBay and Shopping we found that all of these sites were offering special deals, almost daily on their websites. Therefore, if it is bargains you are looking for, and do mind buying them early, they are out there. In addition, if you were to start shopping early, you would be able to spread out the costs over two months instead of one.
One last thing. Gift cards make a wonderful gift as well. If you are looking to spread out your costs for Christmas, consider buying those gift cards now and leave the credit card debt stuff up to us!