elena_398 Posted October 10, 2005 Posted October 10, 2005 Just wondering on BF, do you charge all your items, use cash only, or combine the both. I usually try never to use my charge card for purchases. I use cash and/or debit card from my checking account. I find I will pay more for an item if all I have to do is pull out plastic! My one friend charges all the time and especially on BF. Needless to say she had to get a consolidated loan to pay off her cards! This year, my husband wants me to charge everything so I won't have tons of cash on me and then we will pay it off in January once the bill comes in. Now how many times does something happen and you can't do this! I've heard of christmas charge card bills being in the hundreds to thousands! I have a lot of people to buy for, but we all agree not to go over a certain amount. I think I may charge a bigger item or two, but try to pay cash for the rest. What about you guys?
RossMAN Posted October 10, 2005 Posted October 10, 2005 This is a great thread :) We use a credit card but don't go crazy spending $3,000 or anything like that. If I buy a new HDTV the max I'll go is $2,000 including stand.
diane175 Posted October 10, 2005 Posted October 10, 2005 I am the same way. Unless it's a big item, I usually use cash. I do take my plastic with me just in case though!
outnumbered Posted October 10, 2005 Posted October 10, 2005 In the past I've used either cash or my debit card...no credit. This year, depending on what's out there, I may use credit too, but only a hundred dollars of it or so. Something I can pay right back down the next month.
mrn8 Posted October 10, 2005 Posted October 10, 2005 I just carry my driver's license and a CC. The first year I went, I dropped $60 at the register, and by the time I bent down to get it, it was gone.
coneeny4 Posted October 10, 2005 Posted October 10, 2005 Since I payed off my credit cards and cancelled all of them twice- never again . I only use my debit card and gift cards and cash on BF.
Rebirth Posted October 10, 2005 Posted October 10, 2005 In the past I've used either cash or my debit card...no credit. This year, depending on what's out there, I may use credit too, but only a hundred dollars of it or so. Something I can pay right back down the next month.Same here.
kerianking Posted October 10, 2005 Posted October 10, 2005 Last year I used debit card but this year we don't have one so it'll be cash only. I think I like it better since that way we don't have to worry about any bills coming in or anything like that:yay:
mrn8 Posted October 10, 2005 Posted October 10, 2005 Have any of you considered getting a Visa or American Express Traveler's card, instead of carrying cash? It would be a whole lot more secure, and you wouldn't have to let people see that you are carrying a large amount of cash. Also, you pay for it with funds you already have, so you're not putting yourself into CC debt. I haven't done it, but it was a thought I had just now. Seems to make sense to me.
Guest DigDoug Posted October 10, 2005 Posted October 10, 2005 I use my credit card for most purchases. I went crazy at BestBuy last year and used their credit card because it had interest free financing for a year.
Tracy72 Posted October 10, 2005 Posted October 10, 2005 I pay with it all in cash...I was thinking maybe just getting gift cards this yr each time I go to walmart and then wont have to take so much money with me...jut the gift cards..lol...
starshine Posted October 10, 2005 Posted October 10, 2005 I carry some cash for the little purchases here and there and then the rest I pay for with my debit card. It makes it easier to see how much I have spent that day. I can just sit down at the computer BF night and figure out how much I dropped that day. Of course I usually already know pretty close to how much I spent in my head.
mommy2twingles Posted October 10, 2005 Posted October 10, 2005 usually cash or a check. I have gotten stuck behind to many people using credit cards that take forever to go through since everyone is charging that day.
mommie75 Posted October 10, 2005 Posted October 10, 2005 we do cash or check but even better is laya way
hpowers Posted October 10, 2005 Posted October 10, 2005 Credit cards are so much easier. I would lose the cash if it was in my pocket.
JazzMama Posted October 10, 2005 Posted October 10, 2005 Debit card - quicker than writing a check and I don't have to worry about dropping any cash.
Booterbunz Posted October 10, 2005 Posted October 10, 2005 Just wondering on BF, do you charge all your items, use cash only, or combine the both. I use my debit or credit card and always pay off the next month for my credit! Last year hubby and I had a good amount of cash, which he took with him and I used the debit so we didn't bounce anything. But usually, he has the debit and I have credit. Thank God, he doesn't have any major credit cards!!
Trishy Posted October 10, 2005 Posted October 10, 2005 Debit cards for me also. I'll carry some cash, maybe $100 bucks or so but I usually try to hang on to it.
AuntJamelle Posted October 10, 2005 Posted October 10, 2005 Debit card only here! Hubby has credit cards from before we got married but I haven't used credit cards for years! I am putting money in a special savings account between now and BF. A few days prior I will transfer it to checking and go hog wild with debit card! What's nice is our credit union gives us kickbacks on anything we buy with the debit if we run it through as credit. Nice little savings kickback that we get each year. In fact, I'm expecting $125 at the end of the month. Guess what I'm saving that money for? :)
Steakgoddess Posted October 10, 2005 Posted October 10, 2005 I'll use the debit and credit card this year.
darkkan Posted October 10, 2005 Posted October 10, 2005 I have my VISA at the same credit union my savings acount is. I just put back what I spend from savings onto the card the following week. I also have store cards, and on BF you can get discounts there as well. Just remember to pay them off quickly or you will be stuck with all of that interest! Cash is so risky. And there are so many people out there looking to steal on this mega-shopping day. I can't imagine toting around a few hundred bucks and it all being stolen.
t_mulkey Posted October 11, 2005 Posted October 11, 2005 No Credit card here. I use my debit card and cash. The only problem with my debit card is that my bank has a daily limit on it. So leaves the rest to cash. Checks take way too long on this day.
genoandkiddo Posted October 11, 2005 Posted October 11, 2005 I use mostly cash, but I do use cc's. I actually have thought about the visa pre paid card but you have to pay a fee everytime you use it. I think it is like .50 but still that is alot.
Gporter34 Posted October 13, 2005 Posted October 13, 2005 Cash only. That way I don't get carried away and charge too much. I get really excited and don't think too clearly so if I even took the debit card I would spend too much. If I take cash only, I know my limits and can't go over them.
buckwheat_jegc Posted October 13, 2005 Posted October 13, 2005 I try to avoid carrying cash on me 98% of the time. On Black Friday, I only carry my Visa check card and Mastercard check card. One year, I got the Target instant credit just to get my discount on my BF purchases but haven't used it since. With the check cards, I know going into the stores how much I have to spend and CAN'T go over.
couponmamaoftwins Posted October 13, 2005 Posted October 13, 2005 I have used a combo in the past including cc but they got me into some seroius trouble. Now I don't have any so I will be doing cash and debit card.
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