OK…..A DISCLAIMER RIGHT OFF THE BAT
We at Actuate don’t in general advocate the use of credit cards. They are tools that are way too easy to misuse, and are more prone to help leave your financial situation in a bad place than to improve it. But that is a conversation for another day…The fact is many of you have them, and most of you have a debit card attached to a bank account or money market account cash account. As you used your card throughout the year you were probably accumulating points that are redeemable for goods and services from a variety of companies. Why not redeem them for gifts to give this Christmas. The key in using credit/debit card points is not to let them alter your buying behavior…in short…don’t make purchases that you wouldn’t normally make if not for the points. However, if they are accumulated already use them.