The Best Way to Buy Christmas Gifts

Already thinking about this year’s Christmas gift-giving season?  Already wondering how you’ll afford to buy all those Christmas gifts?  For lots of people, the holiday season means OVERSPENDING!  You try so hard to make sure that everyone gets what they want, what they’ve asked for, and what they need.

This year, instead of overspending, why not start now and save up the money?

I know…that’s nothing “new” or “improved.”  We all try to save the money for Christmas every year, but the sad truth is, most of the time we don’t.  And then we end up maxing out one or more of our credit cards…

That’s actually where the new, improved way to save for Christmas comes in.

This year, instead of waiting till the last minute, then maxing out credit cards, why not get a prepaid card and then, each time you get paid, simply “pay” that much on the the prepaid card.  If you plan it out right, by the time Christmas rolls around, you could have saved enough money to have a cash Christmas after all!

And, isn’t a cash Christmas really the best way to buy Christmas gifts?

The Best Student Cards

Did you know that, prior to the Credit Reform Act passed in 2009, credit card companies used to set up booths on college campuses around the country just to entice college students to get a credit card… for emergencies, unexpected expenses, or just to have a little spending money! You see, those companies knew that, 9 times out of 10, if the student couldn’t pay the bill, good old Mom & Dad would. All of that changed with the Credit Reform Act…and as a result, there are literally very few “Student Credit Cards” available today.

So, how will you handle finances with your college student? Will you give him (or her) a credit card attached to your account (and risk your credit rating)? Will you sign for him (or her) to get a credit card of his own? Will you use a prepaid card? A debit card? There are a lot of options!

However, if you’re looking for an actual credit card that he (or she) can carry, that has a low limit, and that he (or she) may actually qualify for on his own, then you’re really going to want to check out the Horizon Gold Credit Card.

The Horizon Gold Credit Card has a low credit limit, instant approval, and it’s probably the best chance your student has of qualifying for a credit card that isn’t tied to your credit score!