The credit crisis and shaky economy are forcing us to change our spending habits. As credit card companies roll back card limits and the majority of us keep watching our wallets, weâ€™re moving away from the days when we just kept racking up more and more credit card debt, charging anything we wanted but didnâ€™t have money for â€” stainless steel appliances, high-definition plasma TVs, new wardrobes, four-star vacations â€” and going back to actually saving up for our purchases and sticking to things we can afford.
Now, with Christmas just two months away and most of staring at limited holiday budgets, some retailers are offering us a budget-friendly, no-debt alternative to credit cards for our holiday shopping. (more…)
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