‘Tis the season to be spending, fa la la la la la la la la. November starts the beat where most of us march to spend more more and more.  While it is hard to avoid pulling your wallet and making cash registers go ka-ching world wide let me share with you some of the debt triggers you need to be aware of.

1.  Store credit cards – cashiers would be all too kind to offer you 10% discount on whatever you buy IF you sign up for their store credit card.  Remember to step back to say “That’s ok… I don’t need it”, and actually MEAN IT.  Cash is still king so if you can pay cash… do so.  

2.  Catalog and on-line shopping – spending has become too easy these days.  Catalog telephone agents are the kindest people in the world.  If you really need the merchandize and you can afford it… go for it.  But be aware when the person on the other line suggest “other stuff” that you may be interested in to.  She’s after your wallet.  So hang up.  This goes the same with on-line shopping.  It’s all to easy to hit that “buy now” button on your items and related items too.  

3.  TV Infomercials – You see a gorgeous model, a cool looking product, jewelry, shoes and other stuff on TV.  Don’t even think of calling the number just yet.  Turn the TV off, and walk around asking yourself “do you really need it”.  If you don’t stay away from the TV and the phone.  Walk outside and enjoy a walk around the block.

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