Comments on: Have a Debt Free Christmas

By: Heather C

Heather C — Tue, 07 Dec 2010 12:14:06 +0000

Contrary to popular belief — you don’t have to go in debt to make a purchase. Why do you need a good credit score if you make it a life habit to only make a purchase when you have the money in hand? Save first, buy later. It’s really very satisfying and while you’re saving for a specific goal — you might decide you didn’t need it after all or that a simpler model would be just as nice.

Our last big purchase was a new minivan for the family – gently used, with leather seats and a DVD system. The staff at the dealership didn’t know how to complete the paperwork when we said we were paying for the vehicle & fees in full with $14,500 cash. It honestly took HOURS for them to figure it out. We seriously thought about taking out a loan and then paying it off the following week just so we could get out of there.

By: Detox Natural Diets ·

Detox Natural Diets · — Mon, 08 Nov 2010 14:58:15 +0000

it is quite easy to get a good credit score specially if you know how to micromanage your finances :

By: Jonathan Allen

Jonathan Allen — Fri, 01 Oct 2010 15:06:47 +0000

always make your credit score higher so that you have a good credit:;:

By: Addison Jackson

Addison Jackson — Thu, 12 Aug 2010 20:50:53 +0000

in this times of economic recession, sometimes it is difficult to have a great credit score-’:

By: Personal Finance Resource Links 12-14-08

Personal Finance Resource Links 12-14-08 — Sun, 11 Apr 2010 05:17:08 +0000

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By: Surayah Davis

Surayah Davis — Fri, 25 Dec 2009 15:07:52 +0000

I totally agree. Being debt-free(and REMAINING debt-free after the holidays are over) is absolutely the best present you can give yourself & your family! .-= Surayah Davis´s last blog ..Who's Business Are You Minding? =-.

By: Kevin @ Bankruptcy Alternatives

Kevin @ Bankruptcy Alternatives — Tue, 16 Dec 2008 15:20:21 +0000

Emily,

With due respect, I am yet to find someone who can use credit cards wisely. Needs a lot of discipline. This is what I have done. Maybe this can help others. I have around 20 credit cards. I thought of canceling them first, but I was suggested that it would not be good for my credit scores, so I cut all of them into half and kept them at a safe place. Now I really don’t need to be disciplined.

By: Emily

Emily — Tue, 16 Dec 2008 14:34:37 +0000

Kevin, I personally agree with you and only use cash or debit (don’t even have a credit card) but also know that there are people who can actually use credit wisely and it doesn’t automatically mean paying interest or adding to debt, unlike myself

By: Kevin @ Bankruptcy Alternatives

Kevin @ Bankruptcy Alternatives — Tue, 16 Dec 2008 14:27:01 +0000

Hello everyone,

A wonderful guide. Though I would like to debate 1 point.
I think it is better to spend only Cash or through Debit cards.
Spending through Credit cards really adds up to the problem.
As,

1. You end up spending more.
2. You need to pay interest.

I prefer cash, dont know about others.

By: Sites To See for December 14 — Laurel Plum Online

Sites To See for December 14 — Laurel Plum Online — Sat, 13 Dec 2008 08:24:07 +0000

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