I can’t think of many things worse than waking up on Dec. 26 with a raging debt hangover—an all-too-common after-Christmas condition.
The only reason you paid for everything with a credit card is that it was convenient. Besides, it’s not safe to shop online with a debit card, so what were your options?
Of course, you promised yourself that you would be paying the balance in full the minute the statement arrives, but who are we kidding here?
You were already carrying a balance on every card in your wallet, so now all of those new purchases will exacerbate the problem by plunging you even deeper into debt. Worse, you don’t even know for sure how much you spent because who keeps track when you pay for everything with a credit card?
Just imagine if you’d kept your promise that this year would be an all-cash Christmas—that you locked those credit cards away where they were safe from you. You’d be heading into the New Year with a much different attitude. No excuses, no hiding the holiday bills; no worries and no regrets.
I’ve got some good news for you. This year really can be an all-cash Christmas. You can do it and make your cash stretch even further when you take advantage of the lower prices when you shop online. You really can shop with CASH at Amazon, absolutely no credit card or debit card required.