Re: Xmas/New Year Overspend.............
 

I pay off my credit card in full every month (I never pay interest) and am paid cashback for using it.
Mid January my card will be in credit when I will get a cashback credit of £25 approx

Re: Xmas/New Year Overspend.............
 

How many people could say that though Margaret? Well done you but think you are one of the very few.

Re: Xmas/New Year Overspend.............
 

Forgot about the tongue op Beni, but would have thought the Amber Nectar would have eased the pain even more:D:cheers:

Re: Xmas/New Year Overspend.............
 

I have never paid one penny of interest on my cards either Margaret, I just use mine as a convenience as I get a lot of stuff on the net and phone

Re: Xmas/New Year Overspend.............
 

same here, though i dont get cashback?:confused: aint overspent never really do. had problem with car xmas eve, aint bin able to drive since, have to ring mechanic tomoz he said, so thats a surprise worth waiting fer......i dont think.:(

Re: Xmas/New Year Overspend.............
 

Spent miles more than I usually do but I am fortunate to be in a financially good place :) in my life.

Credit cards in this day and age are almost a necessity when it comes to purchases over £100 purely for the insurance cover if anything goes wrong..i.e. the company going bust before you get your items

Re: Xmas/New Year Overspend.............
 

There's a hell of a lot of sense in that HR, that's why I always us my CC instead of my DC when buying things

Re: Xmas/New Year Overspend.............
 

thank you kind sir :D

Re: Xmas/New Year Overspend.............
 

I use my credit card the same way as H R and pay it in full before it attracts any interest. I never spend money I haven't got and I have never been overdrawn with my bank. We've had a very good Christmas/New Year without overspending.

Nik, for her part, had been buying shopping vouchers all year, through work, and had over £200 worth to spend in various shops and stores - so that was her Christmas presents sorted. :)

Re: Xmas/New Year Overspend.............
 

Yes I save all year for the shopping vouchers, I know people think they are a con but wouldn't like to be without them myself:) And yes I know I could put the money in the bank but there is always the temptation to "borrow" it when money is short:(

Re: Xmas/New Year Overspend.............
 

No con as long as you can trust the person collecting the money. She just banks it then arranges for the vouchers (all sorts, like M & S, Top Shop, various toy shops, it covers everything). I put my money in the bank but Nik knows she'd draw hers out and spend it before Xmas. :D

Re: Xmas/New Year Overspend.............
 

Ohhh Nik could be my twin:) Yes my collector is very trustworthy and also very grateful for whatever she earns for doing it.;) She is more than welcome to her commission I wouldn't like all the hassle:)

Re: Xmas/New Year Overspend.............
 

Just be careful with the vouchers you buy for this Christmas, half the stores on High Street Vouchers won't be there come December 2009 !:eek:

Re: Xmas/New Year Overspend.............
 

that is damn good advice, hang on a while n see what develops i would say.:)

Re: Xmas/New Year Overspend.............
 

Interest rates on savings has dropped yet again so when one of my fixed rate deals ends next month I will get 0.88%net interest - I might as well spend it on a dishwasher, and a washer dryer and put the rest in Premium Bonds