Christmas shopping season is coming soon. We, as QMS (Quick Money Saver), would remind you some ideas about how to spend money smart in this particularly hot shopping season.
Last time we did mention about some smart usages of credit cards in money spending. If there is no impediment to your obtaining any credit card, you shall start considering apply for one because credit card can help most consumers spending money smart in shopping seasons. In our experience, credit card is invaluable in that it gives consumers a great deal more flexibility in choosing when and how to pay for things, as well as allowing consumers credit amount of normally four times their monthly salary. Remember that salary level of most consumers should likely be increase in the future and will, no doubt, continue to increase as they become more established in their own career ladders.
Credit cards can be problems, though, as many people may worry about. So please be smart enough to ensure keeping a careful watch on how you use your credit card or else you could end up with huge financial debts. You should remember that unless you are smart and careful enough in shopping seasons you will end up paying something like 5% interest rate per month on the loan amount you have borrowed from your credit card issuer. The smart way for avoiding this, as QMS (Quick Money Saver) finds, is to pay the total credit loan amount by the due date instead of only the minimum payment. If you do pay only the minimum payment, what you have is a rather expensive way of spending money via credit card.
Used smart and sensibly, then, credit card is a very useful way of organizing money-spending in shopping seasons. If consumers lose track of spending money in shopping seasons (which is what happens very often many credit card holders who get supplementary cards for the use of their family members), it can prove very expensive. Therefore, in order to calm your nerves a little, you better do it smart by closely monitoring overall credit card spendings of other family members especially during hot shopping seasons like Christmas. This can surely help avoid any post-Christmas financial difficulties many people may suffer from.
We, Quick Money Saver (QMS), also understand that it is not so easy to control spending budget in hot shopping seasons, because there must be many attractive holiday discount sales available everywhere. However, in order to be smart towards these holiday discount sales, consumers should still better try their best to take control on overall budget by setting up a maximum spending level during the period. Consumers may also determine a maximum spending level on each shopping item. Taking Christmas gift as an example shopping item, consumers are recommended to ensure their spending on Christmas gifts does not exceed their pre-set maximum spending level when buying Christmas gifts for friends.
Please note that it is not about setting tight budget during Christmas time, especially for someone who has many real good friends he must buy them special Christmas gifts. It is just about avoiding out of budget control and spending money smart. Enough is enough and no one shall spend more money than he should be affordable.
Shopping Season of Christmas is about to come soon. Merry Christmas to our QMS blog readers!
Although we do not have any Christmas greeting cards available here, we do hope that our smart readers can enjoy their holiday and take special cautions on our above warnings on possible over-spending or excessive loans during Christmas shopping time.
A smart money-spending control towards holiday discount sales is therefore our sincere Christmas gift to all of our QMS (Quick Money Saver) blog readers! So please enjoy!
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