Comments on: A Credit Free Christmas

By: The 157th Festival of Frugality: The Queen’s Speech Edition | Miss Thrifty

The 157th Festival of Frugality: The Queen’s Speech Edition | Miss Thrifty — Tue, 23 Dec 2008 15:49:17 +0000

[...] CC presents A Credit Free Christmas posted at Ask Mr Credit Card’s [...]

By: Jenna

Jenna — Fri, 19 Dec 2008 17:29:17 +0000

Justin,

Thanks for recommending the different tools. I’ve used MyFICO, but not the other two – I’ll check them out!

Thanks!
~Jenna

By: Jenna

Jenna — Fri, 19 Dec 2008 17:26:22 +0000

Thanks for your comment Bryan.

I really like the idea of buying things that people really need. I also like the idea of shopping early / throughout the year. I believe I’m going to incorporate both of those goals into my Christmas plans from now on. It makes perfect sense, and it’s very smart.

Thank you!

Jenna

By: Justin narin

Justin narin — Fri, 19 Dec 2008 15:32:24 +0000

You have given a very good insight in credit during the Christmas, thank you for the informative article, As you said it is important not to get carried away when buying gifts . You can even use different online tools to asses your credit health structure anytime. I used some tools like Bills IQ, Tfgi and Myfico which were of great help.

By: Bryan White

Bryan White — Fri, 19 Dec 2008 09:29:29 +0000

I think that’s a great plan Jenna. It’s so easy to get carried away at Christmas time. We started shopping for Christmas presents early to spread out the spending. My partner and I don’t get carried away buying presents for each other either. We also tend to try to get presents that people need, even if that means asking them, it’s a waste of money buying something that they don’t end up using or don’t like – even if it does spoil the surprise aspect somewhat.

We don’t carry our credit card balance over, we do put everything on our credit card though for the reward points and the interest free period it provides. Since we pay it off the day before its due we have never paid interest on our credit card.