A Credit Card Can Sing A Christmas Carol
by: Peter Kenny
?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 http://www.creditcards-gb.co.uk/creditcardadvice.html.
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Why A Little Bit Of Marketing Does You Good, Especially At Christmas
Why A Little Bit Of Marketing Does You Good, Especially At Christmas
by: Rachel Lane
My grandpa, who?s a Quaker, used to disapprove of the fact that I ventured into marketing, but he?s coming round to my way of thinking, even at the grand age of 92.
He is suspicious of marketing (in his mind - a term synonymous with extracting money from a gullible party, for the benefit of corporate greed)
and doesn?t believe in profit, even though profit itself is not a bad thing.
I bring this issue up because in case you hadn?t noticed, it?s going to be Christmas soon and as usual any company which can exploit Christmas as a commercial theme is doing so.
But before we exchange our Christmas wreath for cynicism on our front door, sometimes marketing can be beneficial and the creativity in marketing campaigns can be enjoyed by the consumer.
Take for instance (but not for instant) Starbucks Coffee Company, no longer is it just...
Why A Little Bit Of Marketing Does You Good, Especially At Christmas
Christmas > Why A Little Bit Of Marketing Does You Good, Especially At Christmas
A Christmas History Lesson
A Christmas History Lesson
by: Catherine Spelling
The Twelve Days of Christmas is one of the most famous Christmas carols ever written.
It has been sung for a great many years, and is known the world over.
To most it is a delightful hymn, but it was originally created with a very serious intent.
In England between the years of 1558 and 1829, it was illegal to practice Catholicism in public or private.
It was essentially a crime to be Catholic in England during those years.
The Twelve Days of Christmas was written to help preserve the traditions of the Catholic faith during the years that Catholicism was banned in England.
The song is steeped in symbolism, and the fact that it is so well known throughout the world is a testament to the faith of the followers of the Catholic doctrine.
The symbols contained in the song are as follows:
1st verse ? "True Love" refers to God.
2nd verse...
A Christmas History Lesson
Christmas > A Christmas History Lesson
Saving Money Over The Christmas Period
Saving Money Over The Christmas Period
by: Joseph Kenny
Christmas is one of the busiest times of year. There are so many things to think of. People have usually got family or friends visiting, the Christmas meal to cook, gifts to buy and wrap and decorations to put up. It can also be a very expensive time of year. Many people report huge regrets every January when they have over spent on Christmas presents and all the related costs.
If you are worried about finances this Christmas, or want to cut down a little on expenses there are a few simple money saving tips you can take.
Secret Santa
First of all there are gifts. Depending on the size of your family you may spend a lot of money on gifts over the Christmas period. One of the things you might consider doing is arranging a secret Santa. These are a great way to cut down on gift costs and can also be a lot of fun. How it works is you get a group of friends or family members together...
Saving Money Over The Christmas Period
Christmas > Saving Money Over The Christmas Period
A Weight Loss Plan For Success
A Weight Loss Plan For Success
by: Jude Wright
The formula for losing weight is simple: eat less and exercise more. But, it's not really all that simple, is it?
Long-term weight loss isn't impossible, but you do have to be committed. Having a weight loss plan for your success is a good start. Here are ten items that should go into your weight loss plan.
1. Eat breakfast. This keeps you from getting too hungry later and then losing control over what...
weight loss A Weight Loss Plan For Success A Credit Card Can Sing A Christmas Carol Christmas
Christmas > A Weight Loss Plan For Success
Disability insurance
Disability insurance
by: Jakob Jelling
Disability insurance will allow you to keep a usable income even if you are disabled.
Disability insurance is the best way to make sure that your income will be protected. While everybody can benefit from disability insurance, it is especially important for people who have jobs that require a lot of mobility. If you are disabled in some way that will prevent you working your old career, then disability insurance will...
life insurance A Credit Card Can Sing A Christmas Carol Christmas
Christmas > Disability insurance
Christmas Recipes: Main Dishes. No.3 of 12 - Smoked Haddock & Spinach Fishcakes
Christmas Recipes: Main Dishes. No.3 of 12 - Smoked Haddock & Spinach Fishcakes
by: Paul Curran
Christmas Recipe Serves: 8
Preparation time: 30 minutes
Cooking time: 45 minutes
Calories per serving: 605
Suitable for freezing (after step 4)
Christmas Recipe Ingredients:
Breadcrumbs, fresh 75 g (3 oz)
Semi-skimmed milk, 150 ml (5 fl oz)
Haddock, smoked or fresh 250 g (9 oz)
Potatoes, 250 g (9...
Christmas > Christmas Recipes: Main Dishes. No.3 of 12 - Smoked Haddock & Spinach Fishcakes
Auto Accidents - Protect Yourself
Auto Accidents - Protect Yourself
by: J Zuniga
Auto accidents can be very stressful if you don't know what to do. The following are some tips in case you are involved in an auto accident. First of all, make sure everyone is ok. If anyone isn't ok, then immediately call 911. By OK, I mean, needing medical attention. For example a broken bone, concussion, or serious cut.
If you aren't hurt, then you want to make sure you do the right thing and protect...
Auto Accidents - Protect Yourself
Christmas > Auto Accidents - Protect Yourself