I was wondering if most of us used credit cards or cash for Christmas? I used cash for most things, but I did have to charge a couple of items, like DH's Hornets ticket package and DD's American Girl dolls. I hope to pay them of as soon as the bill comes, there just wasn't any other way to get the items without using a credit card.

I almost always put everything on credit. That way if a return/exchange is needed, it's a lot easier. MUCH easier if you want cash back too. The thing is, we put away cash for xmas and keep it. Then we deposit it when we are ready to pay the bill. We don't carry any balances from xmas

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Proud to say I haven't shopped at a Wal-Mart since Sept 2003

I was going to say the same thing. I put everything on the Credit Cards, but when the bill comes due, I pay it off. I hate owing anything to anyone, and I especially hate making payments all year from Christmas.

I try and use cash or check and my DH uses the credit card. He has no idea how fast it grows and doesn't event think of what we will owe the following month! UGH!

I charge everything I can. That way if there's a problem, I have the credit card company on my side. I also get reward points from my cards, so I get a little something back on all my spending.

I did most of my shopping online so I charged almost all of it. I think I still have about $300 left to pay

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Angels may not come when you call them, but they'll always be there when you need them.

I shop yearround, so most of the stuff we pay cash for. I did do one big shopping spree at Toys 'R Us and opened their charge account for 10% off and no intrest, no payments for 6 months, so I do have that $300+ to pay off this spring. I will never actually use the card except for Christmas, but I do like the 10% off discount.

We have a hard time paying things off after we rack them up, so I try not to use credit cards much at all.

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"A true friend is someone who thinks that you are a good egg even though he knows that you are slightly cracked." ~ Bernard Meltzer

Cash for everything. And I am soooo thrilled that we managed to do that!

We pay cash for everything which makes me so happy. Being able to do that with 4 kids is a great feeling. I just will never go the credit card route again. Love cash!!

cash for everything, but were shopping at the toys r us 90% off sale and the target 75% off sale and cvs 90% off sale.. we get off cheap having a 2 and 3 year old..they are happy with anything!!

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Too many people spend money they haven't earned to buy things they don't want, to impress people they don't like. - Will Rogers

Cash except 1 gift for my friend that I bought at bath and body works but it was only $40 and will be paid off next month.
I buy all year and only pick up last minute items close to Christmas.

We use credit only in the case of extreme emergency. I'll be da&*3d if Iam going to pay someone 18-23% interest on their money when my money in the bank cannot even earn 3%.
People do not realize the price (financially) they are paying for credit.

I look for gifts throughout the year and go to 50% off sales during the season. There is no reason to go into debt or to pay triple the price of something (when you figure in the interest). That is NOT what Christmas is about.

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The political system is broke and it's a joke.

cash. dont want no huge credit card bills coming up. i try to always pay cash for everything.

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I use my MasterCard debit card to purchase everything as credit and it gets deducted like cash from my account. I collect rewards points; 1 point for every dollar purchased. I love this! I just cashed my last few months points in for a 140.00 gift card to Walmart. That was spend on something that I won't be returning, groceries.

Cash all the way. We don't use credit cards.

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Reminisce71@sbcglobal.net

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Cash! We don't own any credit cards. We did take an advance from our checking account, but it was paid back out of the following paycheck.

I'm a "Cash" girl I gave up credit cards a few years ago. If I can't pay cash...I don't need it

Cash!! And it feels great not to have any credit card debt!!

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Melissa
SAHM--the toughest job I will ever love

American Express credit card... We earn a percentage back as a rebate. I pay off every month so it is basically like paying cash since we never accumulate interest charges.

So, we *made* money by using our credit card like some of the other posters up above!

Ditto. Pay for everything that I possibly can with credit cards, but carry no balance and pay no fees or interest.

cj/

Double ditto! We charge EVERYTHING, pay it off every month - don't care what the interest rates are because we never pay any and earn tons of frequent flyer miles! We only have on credit card and we've all 4 gone to Florida 3 times, California twice and Hawaii all on free miles!

Lisa

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"It's not having what you want,
It's wanting what you've got"

I always use my debit card as a credit card. That way I know that I do not have to look at a bunch of bills January and that in the end I do not have to pay MORE for them than they were.
BUT one day that I was out and was at a register I found out that I had left my card in my coat so I had to use my only other credit card. URG ~ I already warned my husband about it since I had to make 5 big stops that day.

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John 14:1
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I did about 90% of my shopping online, so mostly credit card.

I charge everything I can. I also get reward points from my cards, so I get a little something back on all my spending. carry no balance and pay no fees

I charge everything I can. I also get reward points from my cards, so I get a little something back on all my spending. carry no balance and pay no fees

Cash with the exception of my gift which DH put on the AmX so I'd be surprised!

Christmas is done and paid for! YAY!!

X

I only use a credit card that has no annual fee, gives me rebates back on everything I buy, and pay it off monthly so no finance charges

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"Well-Behaved Women SELDOM make history."Laurel Thatcher Ulrich


"Yesterday is but a vision, and tomorrow is only a dream. But today well lived makes every yesterday a dream of happiness, and every tomorrow a dream of hope." Anonymous

"Your candle does not lose it's light by lighting another candle" Generosity

Have the courage to be yourself.

Thats how I do it too