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5 Christmas Movies For The Whole Family To Enjoy!
Christmas is coming! And, Christmas time is all about family and togetherness. We've put together some recommendations for movies to have on hand for the Christmas season that the whole family will enjoy. These are all movies to buy and watch year...
Christmas in Spain
Rather refreshingly, Spain doesn't seem to start gearing up for
Christmas until they get into the month of December. It's not
the huge commercial circus that it is in the US and the UK; the
lights and decorations won't be seen until the start of...
Even Cats Love Christmas
Our 5-year-old cat, Yoshi, was diagnosed with renal failure. The
veterinarian claimed that there isn't much he can do. Yoshi will
probably only live a few more years and from time to time he
will need to be put in the hospital for treatment. My...
How to Beat the After-Christmas Blues
Christmas is an emotional storm, and next comes Valentine’s, so take a break. Move from emotion to thinking and action. 1.Start planning a Valentine’s Party, or Martin Luther King Party. If you were running a day late and a dollar behind for...
Money at Christmas - Surviving the festive period without a New Year financial hangover
Money always seems to be tight. Every year at Christmas the
financial situation always seems to get worse. Increased
electricity and heating bills to pay, expensive party food to
purchase, presents to buy, travel costs to visit relatives,...
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A Credit Card Can Sing A Christmas Carol
"Christmas Time, Mistletoe and Wine" How many times have you
heard this so far and its only November? A few I'll bet, but
with Christmas seemingly becoming earlier to us each year, we
will no doubt feel the need to get ahead with our present and
food buying. This though only leads to us spending more than we
should. This is because with the shops full of decorations and
Christmas tunes, the stores are dictating to us that we have to
buy our gifts now, which will mean by the time December has come
and gone. We would have spent more over the 2-month period that
the shops have been full of Christmas cheer.
This is not all bah! Humbug.
Personally for the occasion alone and seeing the kids faces when
they open their presents on Christmas morning, as Christmas is a
special time of year that for the day makes all the preparation
and spending all worth while.
But that doesn't mean that it comes without cost and in some
cases more of a cost than folk can ill afford. For all of its
pomp and occasion, Christmas can come at a heavy price to bear
for a lot of people who, rather than let their children and
family down, will turn to the promise of riches that credit
cards and store cards offer.
Don't get me wrong, credit cards and even store cards, have
their uses. This is only true though, if you only use them to
your advantage, to get the best out of them. If you are thinking
of taking one or the other, then the only suggestion that I can
make is to plump for the credit card, over the store card.
We all want to enjoy this time of year, so by getting all that
you want to do this and in doing so, save cash and not to fall
heavily into debt, will make the festivities all the more
enjoyable. So by giving you a few advantages and disadvantages,
which credit cards and
store cards entail, will hopefully go a
long way on helping you make the right decisions.
Firstly the advantages of credit cards:
* More favourable interest rates than a store card. * Many
offers on the market, which are giving you an interest free
period. * Some come with money back schemes that give you a
percentage of your expenditure back to you. (Usually between
0.5%- 2%) * Will protect your gifts, as soon as you have bought
them. * Lets you buy now and pay at a later date, only on what
you have spent without incurring any interest charges.
Now the disadvantages:
* Can lead you to spend more than you can afford to pay back,
which in turn will lead to the interest being charged to your
account. * They can come with a heavy hit in the pocket, with
charges for late payments and going over your credit limit.
Advantages of the store card:
* Can use them as soon as you are accepted for the card. *
Initial discount (normally 10% off you first purchase) will give
you a saving straight away.
Disadvantages:
* Overly high interest rates, which are well above those of a
credit card. Some can be as much as 30%. * Can lead you quickly
to debt, if they are not cleared at the end of each month. *
Sold to the customer, by assistants who know absolutely nothing
about what they are selling.
About the author:
Peter Kenny is a writer for creditcards-gb.co.uk. For additional
articles and an extensive resource for everything about credit
cards, please visit us at http://www.creditcards-gb
.co.uk and http://www.creditcards2go4
.com For credit card advice please visit here
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