No Christmas Payback

Christmas season is over and most folks are simply counting the days until they stop writing "2007" on their checks. The post holiday sales are winding down, decorations are coming down and there is no more Christmas music EVERYWHERE you go.

Now it's time to pay. People will be getting their statements for their credit cards in a week or two and ALL those shopping season charges will come home to roost. That's when the post holiday blues set in.

This season I was virtually done with my Christmas shopping BEFORE Thanksgiving. I did a good chunk of my shopping online and I used my PayPal DEBIT account. When I did venture out to an actual store, I used CASH. NO CREDIT CARDS. It was a very unstressful and enjoyable Christmas for us this year and it will be even better when we aren't out shopping for personal loans in February to pay off our credit cards!

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