What does that mean? Another day closer to Christmas! That can only mean one thing.... lots of gatherings and Christmas parties! Which results in something else.... I need to buy lots of gifts =S.
Every year I have this problem, I end up getting stumped on what presents to get and then end up getting a bunch of boxes of chocolates. I feel sorta terrible after doing that since I feel like chocolate is like a last resort solution requiring no effort. I am sure some others feel the same as me.
So in the next month, most of my entries will be gift ideas for Christmas; for kids, for friends, for parents, etc. But first, I have one other problem... I always buy my stuff via credit card, and in December, my spends spike up like... 3 or 4 times, and I only have one credit card =(. My limit is too low, so better prepare early!
Perhaps this may not be the best advice in the world for everyone, and it is also not exactly something I have to "buy", but I need to try to get another credit card. Personally I like to get a card which rewards me with some cash back, since I can use cash for anything. I don't really like credit cards which make you collect points, and then you are restricted to a very small catalog to use your points.
If you are not a credit card user and don't plan to be one, please ignore my advice! Otherwise, perhaps some of you are in the same situation as me, where it might be a bit frustrating to find out that while you're buying something, and your credit card maxes out. It's good to have back up with you.
Where I am, the credit card I'd like to get is the MBNA Smart Cash Mastercard. It gives me 5% cash back on gas and groceries for the first 6 months, and 1% cash back on everything else. This was the best cash back card I could find in my area.
Depending on where you are, perhaps it may be a good idea to explore some options! Who knows, maybe you'll find a better credit card than you're currently using! My current credit card gives me 0.5% back in POINTS, so you can see why I am so eager to find another one, for more reasons than one.
Once I get this card, I will be all set to go out and get all the gifts I need. Many great gift ideas are on the way!