When I’m at the checkout, I often open my wallet and pause for a moment, pondering how to pay. Cash? Nope, I’m saving it unless I’m buying a pack of gum. So it’s often the debate between debit and credit card. The final tally, in many ways, is the same. I buy something, I have to pay for it, either now (debit) or later (credit). But the decision is much more complex if you look at the bigger picture.
There are only 68 days left until Christmas!! There, I said it. Scary, isn’t it? Although I absolutely love Christmas, like many of you, I don’t want to think about it in October. But this year, I’m going to try something different. I’m going to shop smarter and apply all of my neat little savings tips to the holiday season as well. This year, I’m starting with a plan – and I’m starting early.