Financial Tips For Christmas Credit And Budgeting
January 30, 2011
Financial Tips For Christmas Credit And Budgeting
The holiday season can be dangerous. It is really tempting to go crazy and buy your family what their hearts desire, on your credit cards. It’s also easy to get drawn into sales promotions at the mall being offered free gifts and discounts in exchange for applying for credit or tempting no interest financing deals. You may be thinking “I can finally afford to buy my husband that 40″ flat screen TV.”
Get a hold of yourself!
Don’t apply for credit in exchange for dollar store freebies and 15% discounts. If you use those cards you will face 20%-30% interest rates if you can’t pay your balance in full. Don’t shop with borrowed money!
No interest finance offers are limited time offers and once the 3, 6 or 12 months have passed and you cannot pay the balance in full, you will face really high interest rates! These are particularly dangerous because no payment/no interest offers make it really easy to spend way more than you originally planned and in electronic store, this spending could get up into the thousands. You don’t know what the future holds, don’t shop with borrowed money.
You may be thinking that this year has been tough and you are going to have to dip into credit to pull it together. If you absolutely have to shop with borrowed money, here is how you should do it.
Use your lowest interest, major credit card. This will be better interest and because you are using your credit card, you can go to any store and have more buying/negotiating power.
Make a list of all the gifts you plan to buy.
Research the best bargains available.
Create a table and organize the gifts from lowest price to highest price.
Go down the list and highlight all the cheaper items that you can pay for in cash. When you go to the mall to buy these items bring your list, your cash, do not bring your credit card and do not stop and talk with sales people in the stores. You have one purpose and one purpose only to be there.
Now you have refined your list so that only the top 3-4 most expensive things will go on credit. Try to get them all in one place. If it’s not possible, go directly to the stores, purchase only the listed items and leave. Do not pass go, do not collect I mean spend 0.
If you don’t have low interest credit you can obtain your True Assess Financial Report card to get a snap shot of your financial profile from the banks perspective and get prepared to apply for a low rate credit product. Remember, banks price their credit products to risk, the greater the risk you present to the bank the higher the interest you will pay.
For more information about financial tips for Christmas credit and budgeting visit www.trueassess.com.
Assure Assess Corp. is the leading provider of services to law firms, accounting firms, trustees, financial institutions, government and some private enterprise.
Assure Assess has a presence both in Canada and the US and has three primary divisions: Communications, Financial Services and Technology Solutions.
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www.rjbradbury.com Just a quick updated and some tips for those who have recived a new DSLR camera for Christmas. I edited and rendered this in a trial version of Sony Vegas 9 Platinum to test it out (looking to replace Adobe Premier Elements 7), had to render this 3 times…first time came out with black bars either side.. second I tried quick time format (accidently left it uncompressed) and got a 56GB file … hmm that wont work. So rerendered in WMV (Windows media video) 1440*1080 25p high quality, audio is from mono mic on camera, tis came out ok with out black bars which is odd as its a lower resolution width wise ?? I still have a bit to learn regarding dealing with video. I recorded this in 1080p to test the results from the 500D whilst using indoor ligting, just hope my encoding options have not messed it up. I may upload a RAW test clip from the 500D to compare results on youtube. Any questions of comments feel free. Thank You Rick I
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