FOWC with Fandango — Credit

Credit where credit’s due Fandango, this is one of those words with multiple meanings and interpretations.

Not wishing to Bah Humbug on anyone’s parade, but the tills will be ca-chinging in abundance over the next few weeks, and most I bet will be with a credit card.

Credit cards are good cash flow tools to have, provided you use them sensibly by paying them off in full every month.
I got caught in the trap years ago of treating them as a quick short-term loan, fully intending to repay the debt in a few months. Something always came up to prevent me doing that, or having to put extra on the card for one reason or another so that I could only afford to repay the minimum.
It got to the stage where I was borrowing from one to pay the minimum plus interest off another and then vice versa when that statement came in.
Interest rates can be horrendous, and some providers will automatically increase your limit when you are a few hundred bucks/quid from your maximum.
It is SO EASY to get into a spiral of debt and absolute hell trying to get out of it.

Tips for Christmas shopping:
Make a list and a budget per person.
If family are strapped for cash agree to buy for the kids only, and have silly presents for the adults at a nominal cost of a dollar/pound.
If you’re entertaining, agree on a maximum price per gift and have a lucky dip. If there are three of you, you put three gifts in the sack, if there are four, you put in four etc etc, then after the washing up’s done and it’s present time, everyone can take a parcel out of the sack.
Shop around in charity shops or markets.
Make your gifts, even if it’s baking (did this for my parents-in-law and it went down very well, if you’ll excuse the pun)
But most importantly:
Leave the credit card at home
and have a cool Yule.


About pensitivity101

I am a retired number cruncher with a vivid imagination and wacky sense of humour which extends to short stories and poetry. I love to cook and am a bit of a dog whisperer as I get on better with them than people sometimes! In November 2020, we lost our beloved Maggie who adopted us as a 7 week old pup in March 2005. We decided to have a photo put on canvas as we had for her predecessor Barney. We now have three pictures of our fur babies on the wall as we found a snapshot of Kizzy, my GSD when Hubby and I first met so had hers done too. On February 24th 2022 we were blessed to find Maya, a 13 week old GSD pup who has made her own place in our hearts. You can follow our training methods, photos and her growth in my blog posts. From 2014 to 2017 'Home' was a 41 foot narrow boat where we made strong friendships both on and off the water. We were close to nature enjoying swan and duck families for neighbours, and it was a fascinating chapter in our lives. We now reside in a small bungalow on the Lincolnshire coast where we have forged new friendships and interests.
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2 Responses to FOWC with Fandango — Credit

  1. Nova says:

    Soap box, hilarious 😂😂 I did catch the good intended point in your list, but that picture is my favorite!

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