Holiday Shopping
The weather has started cooling down and the Christmas sale signs have started going up and the urge to Christmas shop is in the air. It is a great time to remember your credit and keep some safety measures in mind. You don't want to find out as your tree is in the trash heap that you have gone over your limits or your identity has been stolen.
If you are shopping on-line, remember:
1. Shop on secure sites. Most sites that are secure will start with 'https:'
2. Know whom you are shopping with and their post address location.
You will also want to know their return policy.
3. Do not give out personal information beyond the typical
The average shopping site will ask for you name , address , credit card number and expiration date.
Shopping in General:
1. Keep in mind your budget goalsSet a budget for each person on your list and stick to it
2. Consider using your credit card for purchases.
This will allow you to keep track of your spending and be able to dispute difficult returns.
3. Check your credit card statement carefully.
Make sure you remember each charge and call the credit company immediately if an unknown charge is found.
The shopping season is a great time to get a better understanding of your spending situation.
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