Holiday season is coming. You go to the mall, and you see Sales everywhere. I love to shop and I don't use cash most of the time. I only carry a $20 bill plus some small change. Yes, I use my plastic cards (Visa/Master Card) on all my purchases unless the shop is not accepting credit cards. It is very convenient as I have records on all my purchases in the monthly statements.
If you do not have a plastic card, you may want to consider getting one, Download the Credit Card Applications, read the fine print because it is important to know if there is an annual fee and also remember to check the interest rate. If you can, pay off your balance every month and remember to make your payment on time.
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