Taking Post Holiday Debt Head On
ou don’t have to pawn the in credit card debt. With gift
lawn reindeer. Holiday giving, travel plans, eating out
jobs, creativity and and parties spread throughout the
patient problem-solving can help winter months, it’s peak season
you take control of your for abusing your plastic. So here
finances. are a few tips for saving and
surviving through the holiday
When the reindeer cookies get money crunch.
stale and the staples are finally
removed from the strands of 1. Snag holiday jobs
30,000 twinkling bulbs stuck atop
your roof, the post-holiday We realize this may be easier
season sometimes gives you a few said than done. You may already
new activities to occupy your have a full-time job with
time: fearing the mailman, demanding hours. Or you might be
dreading the phone and hoping juggling several part-time jobs.
you’ll soon wake up from your Or you may have other demands and
credit card nightmare. responsibilities, such as school
or family obligations. However,
It doesn’t have to be like that. some of you have no excuse. Yes,
With some safe and sound decision we’re taking to you…the 24/7
making now, you can maintain your basement gamer, the soap opera
financial health through the addict and the weekend golf
holidays, and still have enough warrior. If you have the time and
moolah left over for a six-month the need, seasonal jobs are
supply of that celebrity diet abundant during the holidays,
milkshake. especially restaurant jobs and
retail jobs. Since part-time gigs
According to Cardweb.com, the offer such flexible schedules,
average American has about $9,000 you can grab extra cash on your
own time. For seasonal job search something of an amateur chef?
advice, read “The secret to Bake up a few dozen cookies and
landing seasonal jobs & temporary pass them out around the office
employment.” And remember, a in tins. (Just be sure to pay
part-time job after the holidays attention to peanut allergies;
can be just as helpful as one nothing ruins a good gift like a
before them. bad case of hives).
2. Find the middle ground between Then there are those pricey trips
cheap and creative to go visit the fam. You know
what’s cheaper than
We’re not encouraging you to be coast-to-coast airfare? A couple
noticeably stingy. The last thing of computer webcams. Buy one for
we want is for you to be yourself, mail one to the
gift-wrapping homemade macaroni relatives and spend some quality
necklaces or handing out face-to-face time together in
handwritten “Free back massage” what’s the next best thing to
gift certificates to your loved actually clanging champagne
ones and BFFs (That’s kinda glasses on New Year’s Eve.
creepy). If you can’t afford
pricey gifts for everyone on your 3. Be wary of easy solutions
shopping list, try tapping into
your talents before you dabble in We’re not here to be your
the third grade arts and crafts personal financial advisor, but
scene. Do you fancy yourself a if you do reach a state of dire
photographer? Then how about debt, we do suggest that you
snapping photos of friends and consider credit card
family, and tucking them in some consolidation, home equity loans,
affordable frames? Are you a opening new credit cards, and
closet Gordon Ramsey fan and bankruptcy only as final options.
Fast-talking commercial consumers.
spokespeople and fine print can
be especially deceptive when Of course, you can always go the
preying on desperate people. obvious route by hiding your
The Federal Trade Commission credit cards for the next few
(FTC) has a library of helpful months. Rent a lock box, buy a
articles and advice for those in safe, or mail them to Great Aunt
serious debt and suffering from Edna in Oshkosh, Wisconsin for
other personal finance problems. safekeeping under her mattress.
Whether you’re looking for ways Hopefully the cards won’t get
to save money or want to find mysteriously maxed out on yarn,
creative ways to fix your credit, catnip and Wayne Newton vinyl.
check out these FTC facts for
About the Author:
Mike Ward is the Senior Online Editor for SnagAJob.com, America’s largest hourly job website. Easily find and apply to part-time, full-time and seasonal jobs – without ever leaving home. It’s all free – and they’re open 24/7. Start your job search.
Published At: www.Isnare.com
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