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Christmas in July in Australia Enjoy a cold wintery Christmas and start a new family tradition.HomeBasics101 Budgeting, BudgetingTips, GiftIdeas, CleaningTips, PartyFood, Partyplanning organisation planning, christmas,Celebration,

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Christmas in July in Australia Enjoy a cold wintery Christmas and start a new family tradition.HomeBasics101 Budgeting, BudgetingTips, GiftIdeas, CleaningTips, PartyFood, Partyplanning organisation planning, christmas,Celebration,

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Christmas in July in Australia Enjoy a cold wintery Christmas and start a new family tradition.HomeBasics101 Budgeting, BudgetingTips, GiftIdeas, CleaningTips, PartyFood, Partyplanning organisation planning, christmas,Celebration,

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Christmas in July in Australia Enjoy a cold wintery Christmas and start a new family tradition.HomeBasics101 Budgeting, BudgetingTips, GiftIdeas, CleaningTips, PartyFood, Partyplanning organisation planning, christmas,Celebration,

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It’s Christmas Time!

Are you ready for Christmas?

The holidays have rolled around once again, and once again, we’re all trying to figure out how to pay for all those gifts! Not only do the kids have long lists, but there are the family gatherings, Christmas parties at work, and even your annual Christmas gifts for the needy… so much that, this year, you might feel like the needy one! Relax, if money’s tight, and your credit’s not perfect, there are options, especially if you start early enough.

One of the best ways to save money for Christmas, or a vacation, or new furniture, or any really large purchase is to get yourself a prepaid card. Then, you simply have your employer automatically transfer a portion of your payroll check into your prepaid card account and then, when you’re ready to start Christmas shopping (or go on vacation or whatever), the money is already there.

Not a bad way to pay for the upcoming holiday season, is it?   Too bad it’s too late to do it that way.

Of course, if cash is not the way you plan to pay, then you’d better get busy working on your credit too!  Now, there are lots of options to apply for new credit cards, store cards, and so forth, but are you sure you’ll be approved?  Remember, you don’t want to apply for too many credit cards during the course of the year – it can really hurt your credit score.  And, if you do apply, you want to make sure that you’ll be approved (this is really important if your credit score is less than perfect).

One option with guaranteed approval is a secured credit card.  With a secured card, you’ll need to pay a deposit up front, and then the creditor will extend the same amount of credit to you.  You’ll use the card for purchases, make payments (including interest), and so forth, just like a regular credit card.  But, as I mentioned, you’ll have to have money up front for your deposit.  And that’s not quite the goal here, is it?  No, we’re planning for Christmas and if we had the cash for the deposit, we wouldn’t need to be looking at our options.  So, let’s move on.

The other option that I really like (and have used myself) is to open a Fingerhut Credit Account.  Not only does Fingerhut typically approve nearly everyone, but they also are really good about reporting your responsible credit use and regular payment history to the credit bureau every month.  And when it comes to great deals, including special interest free purchasing periods, increases in your credit line, and brand name merchandise, Fingerhut is hard to beat.  You simply get online, browse from among hundreds of thousands of competitively priced products, and they’ll ship your order right to your door!  It really is that easy.

But don’t just take my word for it – check out what Fingerhut has to offer you TODAY.

It’s October!

Well, it’s October, and you know what that means? Yes, your mailbox is likely filled with all sorts of offers… credit cards with no interest, catalogs with pre-approved lines of credit, and personal loan offers! Some of them look pretty tempting, don’t they? But, should you fill any of them out and return them? Should you complete the application online? Should you even consider the offers at all?

Honestly, yes and no to all of these questions. While the offers are definitely worth considering, you also need to do your research before applying for ANY credit card, catalog card, or personal loan.

First and foremost, check your credit score! Most of the mailers that you receive are based on the demographics of your state, city, town, or even your specific neighborhood, and not necessarily on your specific credit profile, so checking your credit first gives you the basic information that you need to start with before you even consider a single offer. If the offer is for a credit score that’s much higher than yours, you are likely to be rejected, which definitely hurts your credit score. And if the offer is for a credit score that’s much lower than yours, you will most certainly pay a higher interest rate, additional fees, and lose out on the perks that come with a credit card for better credit. So, start with your credit score.

Once you have your credit score in hand, you’re ready to move on to the next step. Consider each offer carefully! Remember, these are bulk rate mailers, and they’re not necessarily tailored to your specific needs, so what looks good at first may not compare to other options that you most likely have with other credit card, catalog, or personal loan vendors.

The best place to start is the individual credit vendor’s website. Are they legitimate? Are the terms that you see in your offer the same as you find online? Are they typically for individuals with credit scores in the same range as your credit score? Remember, these days, everything and anything is fair game to scammers out there trying to steal your money, your identity, or worse, and as such, you must consider everything and anything as suspect.

Once you’ve determined that the offer is legitimate, then it’s time to compare the offer in your hands to other offers that are out there. Are you getting the best interest rate? Are you getting the best rewards? Would you be paying fees? Is there a better option for you?

Unless you do the research, you can and you will lose out on the best credit card offers, and that will most certainly cost you more in the long run. So, do the research first, and then enjoy the benefits of those credit offers!

Here’s a good place to start: