Do you plan to use cash or credit for your holiday spending this year?
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Do you plan to use cash or credit for your holiday spen... - 11/17/2009 1:34:00 PM
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raspberry331
Posts: 2542
Joined: 5/7/2005
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Do you plan to use cash or credit for your holiday spending this year?
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RE: Do you plan to use cash or credit for your holiday ... - 11/17/2009 1:50:49 PM
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LCannon
Posts: 723
Joined: 2/22/2007
From: Lebanon, OR
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Cash via credit(card). I always pay credit card, monthly.
_____________________________
'No man can do a great and enduring work for God who is not a man of prayer and
no man can be a man of prayer who doesn't give much time to praying.' E.M. Bounds
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RE: Do you plan to use cash or credit for your holiday ... - 11/17/2009 1:51:11 PM
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Miss Giggles
Posts: 4547
Joined: 4/18/2005
From: MI
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I use cash. We are a family of exchangers here.. but the gift card concept is slowly catching on.
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RE: Do you plan to use cash or credit for your holiday ... - 11/17/2009 4:12:59 PM
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michele_erin
Posts: 268
Joined: 5/8/2006
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Cash! We vowed that after we paid off our debt -- thanks to the Lord -- that we would pay cash for most everything. Obviously there are certain things, but Christmas on credit card, no. I can't justify it. :-)
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RE: Do you plan to use cash or credit for your holiday ... - 11/17/2009 4:49:55 PM
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Krislynx
Posts: 847
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Cash, primarily via debit card. Most of the extended family stuff I was able to take care of this summer so it spread things out nicely. No credit cards except one store card that doesn't have a balance so no interest as long as I pay it off right away. And I think I already got everything (and paid it off) from them I need to buy anyway.
Kris
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RE: Do you plan to use cash or credit for your holiday ... - 11/17/2009 4:57:49 PM
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creationtalk
Posts: 379
Joined: 6/9/2005
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quote:
ORIGINAL: LCannon
Cash via credit(card). I always pay credit card, monthly.
This. My credit cards all pay cash back of some sort, so paying with the card while not paying interest on the card saves me money.
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RE: Do you plan to use cash or credit for your holiday ... - 11/18/2009 12:45:25 PM
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aprilshowers12
Posts: 932
Joined: 4/18/2005
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Cash, we are debt free other than a small car payment and our house and intend to stay that way.
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ConfessionsofaProverbs31Wannabe
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RE: Do you plan to use cash or credit for your holiday ... - 11/19/2009 2:40:01 PM
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Simway
Posts: 319
Joined: 4/12/2005
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Cash, no credit cards or checks.
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RE: Do you plan to use cash or credit for your holiday ... - 11/19/2009 3:18:49 PM
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Mrs.Wifey
Posts: 2672
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From: The Gorgeous plains of Colorado
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Um, cash via debit card. I've actually just been shopping as I go, I have a bit of leeway in my grocery budget due to my prolific use of coupons so I've been using that extra money to buy Christmas gifts.
_____________________________
Ryanne- trying hard to be my husband's girlfriend and my daughter's mother.
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RE: Do you plan to use cash or credit for your holiday ... - 11/19/2009 4:36:14 PM
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EclecticJoy
Posts: 9352
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From: Here . . . and that's exactly where I want to be!
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quote:
Do you plan to use cash or credit for your holiday spending this year? Neither. I don't "do" holiday spending.
But if I did, it would be via cash, as I also don't use credit cards.
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RE: Do you plan to use cash or credit for your holiday ... - 11/20/2009 11:27:57 AM
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reach
Posts: 1261
Joined: 4/12/2005
Status: online
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I am using cash. I did this last year and it worked great. I did not spend the little extra because if it was not in the envelope, then there was no more buying. LOL! The only thing that bugged me was carrying that much cash, as I buy for my father too, so I end up with lots of cash. We usually exchange gifts with my family, but I am going to check in with them and see if they still want to do that.
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RE: Do you plan to use cash or credit for your holiday ... - 11/20/2009 12:55:54 PM
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Papa-san
Posts: 716
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We have two credit cards for emergencies only. God is pretty clear about the fact that He doesn't want us to be in debt.
My family will not get everything they have asked for, but I will have the satisfaction of knowing that I have not enslaved myself to a lender for the sake of giving 'stuff' to my loved ones. In doing so, I believe that I am honoring the commands of the Most High...
In leaner years, our gifts are made by hand. Oddly, those are the ones that seem to be held in the highest esteem by others... My children seem to remember and use the toys, picture frames, decorations, and furniture I made for them long after the "X-Box 360" began to spend most of it's time collecting dust! 
I don't even use the cards when I know I have the cash available to pay them off... No amount of 'rewards' is worth what could happen if something goes wrong!
Anyways, that is just me... I do know MANY people who will end up using their cards to fund Christmas giving, and unfortunately, I'm going to see a couple of them coming to us for money to help them out because they cannot afford to make the credit-card payments and feed their children at the same time... It's just one of the problems with our society putting so much emphasis on 'Stuff'...
_____________________________
"Discernment demands that we should hold biblical convictions with the most fervent tenacity" John MacArthur
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RE: Do you plan to use cash or credit for your holiday ... - 11/28/2009 3:09:23 AM
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Peloton
Posts: 194
Joined: 4/5/2009
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Look at my post elsewhere. Use cash unless you want to participate in marketing surveys. When ever you use plastic or a check (your bank routing number and account are on it with your name, address and phone number)you give the store and the merchandise maker all your info. If the store is not protected, criminals with laptops and scanners do sit in parking lots and pirate the stores transmissions. Merry Christmas, you have at least participated in a market survey, at the most, your ID has been stolen.
Some of you have the right idea, it's hard to trace dead presidents.
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RE: Do you plan to use cash or credit for your holiday ... - 11/30/2009 11:22:48 AM
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meg4
Posts: 172
Joined: 4/21/2005
From: North Georgia
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Neither. By the time I pay bills and property taxes (due Dec. 20th), I won't have any money left for Christmas gifts.
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RE: Do you plan to use cash or credit for your holiday ... - 11/30/2009 2:48:23 PM
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kernsfamily
Posts: 563
Joined: 4/26/2006
From: Dallas (originally Detroit)
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cash....absolutely....
what other way is there....that is necessary?
I don't do business with crooks.
_____________________________
Proud dad of 3 great girls....Blessed to have all of them in a "totally awesome" public elementary school!
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RE: Do you plan to use cash or credit for your holiday ... - 12/1/2009 12:01:01 AM
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ForgivenGrace
Posts: 4641
Joined: 5/11/2005
From: Wherever God plants me.
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quote:
ORIGINAL: kernsfamily
cash....absolutely....
what other way is there....that is necessary?
I don't do business with crooks.
I do.
_____________________________
You have brains in your head. You have feet in your shoes. You can steer yourself any direction you choose. ~Dr. Seuss
Faith is taking the first step even when you don't see the whole staircase.-Dr. Martin Luther King Jr.
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RE: Do you plan to use cash or credit for your holiday ... - 12/1/2009 9:22:07 AM
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Simway
Posts: 319
Joined: 4/12/2005
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Always, Always cash. In fact we mostly give cash then they can hit the after Christmas sales and select what that want.
Simway
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RE: Do you plan to use cash or credit for your holiday ... - 12/4/2009 12:26:21 PM
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W.O.F.
Posts: 1794
Joined: 4/11/2005
From: an ignoble beginning
Status: offline
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quote:
ORIGINAL: raspberry331
Do you plan to use cash or credit for your holiday spending this year?
Not sure what everyone else answered...but mine is pretty straight forward...what we always do.
Cash..if we don't have the money for it..we don't buy it. We set a budget for gifts and we stay within that amount. Period.
_____________________________
Live your life in such a way that when your feet hit the floor in the morning, Satan shudders and says, "Oh no, she's awake."
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RE: Do you plan to use cash or credit for your holiday ... - 12/9/2009 2:21:06 PM
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buckifn
Posts: 1602
Joined: 5/23/2006
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Mostly time, sweat, and imagination.
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RE: Do you plan to use cash or credit for your holiday ... - 12/10/2009 1:21:36 PM
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W.O.F.
Posts: 1794
Joined: 4/11/2005
From: an ignoble beginning
Status: offline
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quote:
ORIGINAL: buckifn
Mostly time, sweat, and imagination.
us too...which is one reason why cash works well...it buys supplies where needed.......
_____________________________
Live your life in such a way that when your feet hit the floor in the morning, Satan shudders and says, "Oh no, she's awake."
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RE: Do you plan to use cash or credit for your holiday ... - 12/14/2009 4:18:20 AM
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greggphillips
Posts: 28
Joined: 12/9/2009
Status: offline
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quote:
ORIGINAL: 3cappuccinosmom
IE: We only use the card to spend what we already have sitting in the bank. If the money is not there, we aint buyin'.
Ditto! We do use our credit card year round for almost everything as the rewards from the cc helps pay down our mortgage - only 1% of purchase, but if we're going to buy something anyway, then every bit helps. But the same purchase restrictions apply as you stated
_____________________________
In memory of Samantha
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RE: Do you plan to use cash or credit for your holiday ... - 12/15/2009 9:13:57 PM
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APZR
Posts: 1005
Joined: 4/18/2005
From: GA
Status: offline
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Cash. Only thing we owe is for real estate... pay cash for cars, boat, and all other toys.
_____________________________
Ya can't keep trouble from visitin, but you don't have to offer it a chair.
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RE: Do you plan to use cash or credit for your holiday ... - 12/15/2009 10:08:30 PM
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ladioffaith
Posts: 3435
Joined: 3/31/2005
From: NE Ohio (L.A. . . Lower Akron)
Status: offline
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Cash via debit card.
I no longer have credit cards. Learned that lesson the hard, hard way.
_____________________________
~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
The LORD your God is with you, he is mighty to save.
He will take great delight in you, he will quiet you with
his love, he will rejoice over you with singing." Zeph. 3:17
~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~
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