How ready are you for Christmas?
Monday, December 17, 2012
Christmas Eve is a week away. How ready are you? Are you an organized Christmas shopper who already has everything purchased, wrapped and ready to go, or are you procrastinating buying gifts until later this week. Tell us how prepared you are by voting in our poll, then in the comments, tell us why you got shopping out of the way or why you're still procrastinating.
Used responsibly, credit cards can offer extra benefits and protections for your holiday gift purchases.
American consumers use credit cards more during the month of December than in any other calendar month. The Federal Reserve reported that last December shoppers spent over $851 billion on their credit cards. Credit cards have a bad reputation, because people tend to spend more than they can afford, and get into financial trouble when the interest starts to rack up. But when used wisely, credit cards can actually provide consumers with added protections against fraud and theft, and they can extend warranties on purchases. When you're shopping online, your purchases are protected against damaged or missing items. Some credit cards offer price protection, where the card issuer will refund the difference if you find a lower price on a purchase…