Money On Point

Never buy your gifts on credit. Don’t use your credit card, don’t buy something on “gives” and don’t use deferred payments. Buying gifts to please others and yet bury yourself into consumer debt is one of the most unwise things you can ever do. If I go home with a nice expensive gift for my wife and yet I purchased it through credit, she will definitely have an issue with it and it will really spoil the gesture. Give what you can afford, if you can’t afford it, don’t give it. I’ve always subscribed to the saying that “you can’t give what you don’t have.” Buying gifts on credit is the same banana.

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