bettyann29 Posted October 13, 2005 Posted October 13, 2005 I usually know beforehand what I have to spend and what items I want.. so I generally carry cash .. If I have the cards with me, Im more able to overspend so this is my way of keeping the costs down..
Gporter34 Posted October 13, 2005 Posted October 13, 2005 Me, too. I usually don't carry my purse, just put cell phone, walkie talkie, and money in a fanny bag I bought a couple of years ago to take to the casino. lol
vonnyb Posted October 14, 2005 Posted October 14, 2005 I usually use cash or my debit card. The interesting thing was that last year at our Walmart they were asking for ID if you were using a credit or debit cards. I guess they must have had some problems.
elena_398 Posted October 14, 2005 Author Posted October 14, 2005 I bought a little carry case that fits into my pocket. I can fit my debit/charge card and id, and some cash. My husband feels better about me going out now. He was worried about me standing in line at 2 in the morning with a purse. I can understand that though
ldyb72 Posted October 15, 2005 Posted October 15, 2005 We usually use cash. But put most everything on Lay - A _ Way at Walmart because they are usually bigger items or all the toys and gadgets that we don't want the kids to find. This way we can pay it all off except for a few dollars to hold it on lay a way and then we do not need to go and pick it up until it is pretty close to Christmas!! We use them as our hiding spot and we dont have to have everything cluttering the house or trying to stay hidden from little eyes for a month!
Guest Deals4Me Posted October 15, 2005 Posted October 15, 2005 I will be carrying my purse. Cause if things go in my pocket, I get panicky. BUT it wont be my usual purse.
biomajor Posted October 15, 2005 Posted October 15, 2005 I'll either use my fanny pack or my jacket pockets and I think I'll use cash this year--last year the CC machines were SOOOOO slow that I felt I was wasting time!!!
elena_398 Posted October 15, 2005 Author Posted October 15, 2005 thats true. Im hoping to initially use cash then debit when the money is gone. I don't like charging, but will IF I have a big ticket item
graciescaptor Posted October 15, 2005 Posted October 15, 2005 Credit all the way. Fortunately we pay our cc off every month so I treat it as a free loan and I get cash back on my purchases. I am always aware of how much I have spent and my husband checks the cc account online all the time. He will question any charges outside of the norm so it's a little check and balance system on me. Plus, if I change my mind on items, I can return them before the end of the bill cycle without ever taking a hit on my cash flow.
elena_398 Posted October 15, 2005 Author Posted October 15, 2005 Thats great if you can pay it off every month. Something always comes up where I can't do that so thats why I opt to use debit from checking and/or cash. Never fails. We buy something saying we'll pay it off when the bill comes in. In the mean time, something happens with the car or house. Then we get the extra charges. RIght now its paid off, but I will use it if I have too
graciescaptor Posted October 15, 2005 Posted October 15, 2005 We use our credit card for everyday purchases at the gas station, grocery store, etc...so BF isn't anything different to us. Our trick it to always stay on budget and have a healthy savings account to back us up for life's little emergencies. It took a long time to get to this point but it's wonderful to be here. That said, I don't get to go hog wild. We have an Xmas budget and I have to stick to it or risk not being able to do other things we have planned. Oh and the wrath of hubby who hates watching the money go out no matter how much is coming in.
StephanieD Posted October 15, 2005 Posted October 15, 2005 I use my debit card...It's much easier to use. I don't use a credit card any more. A couple of years ago, I would say "I'll charge it and pay off next month"...I never did...lol...once I got that credit card paid off, I said "never again". I'm a compulsive shopper and I can't handle the responsiblity of a credit card...lol...so debit card for me all the way.
mommyruiz Posted October 17, 2005 Posted October 17, 2005 I mainly use cash but in cause of good deal finds i take my credit cards.
2knotheads Posted October 17, 2005 Posted October 17, 2005 We usually use cash. But put most everything on Lay - A _ Way at Walmart because they are usually bigger items or all the toys and gadgets that we don't want the kids to find. This way we can pay it all off except for a few dollars to hold it on lay a way and then we do not need to go and pick it up until it is pretty close to Christmas!! We use them as our hiding spot and we dont have to have everything cluttering the house or trying to stay hidden from little eyes for a month!That's what we do as well.
minnie1156 Posted October 17, 2005 Posted October 17, 2005 I charge everything Its faster and easier then carrying cash and safer too
biomajor Posted October 17, 2005 Posted October 17, 2005 I charge everything Its faster and easier then carrying cash and safer toolast year it seemed a LOT slower--I used my debit card for everything and the wait time at Wal Mart timed out while trying to get it approved--that's why I'm using Cash this year!!
Princessarky Posted October 17, 2005 Posted October 17, 2005 dont have a credit card anymore :) :) :) so I use cash, debit, or gift cards
caseyslilangel Posted October 17, 2005 Posted October 17, 2005 you know I don't guess I ever thought about people taking my purse!!! I generally tkae my purse and use my checkbook mostly. after reading this thread I think I'll just use my debit card!!!
abram87 Posted October 18, 2005 Posted October 18, 2005 I only use the debit card, I find that it's the easiest way to go
elena_398 Posted October 18, 2005 Author Posted October 18, 2005 I have never done lay a way before, but there is a large item I just cannot store at the house. Its at Walmart. Its a leather tv chair for my son when he plays his video games. I just don't want it damaged either.
Kelvrick Posted October 18, 2005 Posted October 18, 2005 I use a credit card all the time. Easy to dispute in case of any disagreements or anything like that. But, I'll also carry cash out in different pockets so I can buy a couple of thigns that involve only one rebate per household. Give a friend the money to pay for it, then he just hands me the rebate and copy of the receipt for me to deal with.
ChristmasShopping Posted October 18, 2005 Posted October 18, 2005 I use a debit card but run it as credit incase their is anything I need to dispute or warranty problems, etc. I also got money back for running it as credit! And that money goes to after christmas sales shopping!
bayhaysay Posted October 18, 2005 Posted October 18, 2005 Strictly cash! I don't stick to a budget very well and this way I can't overspend. When it's gone, it's gone and I go home.
jrsgirl8 Posted October 18, 2005 Posted October 18, 2005 I work at a bank, so I have a seperate checking account just for christmas shopping, it doesn't earn interest, but come with a free visa check card. I have money auto transferred into the account every paycheck and then I don't have to worry. A great thing about debit cards is that they are guarenteed like cc. It is pretty easy to dispute fraudulant charges and you can close it immediately over the phone if you lose it.(unlike if you were to lose your checkbook!!) Plus, if you go to visaextras.com you can enroll your debit card to earn points!!! Carrie
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