Know when (and why) to pull out the plastic
Cash is king when it comes to keeping your spending on track. But for some buys, like electronics or furniture, a credit card makes more sense. Many cards offer purchase protection in case of damage or theft -- which is a good reason to charge big-ticket items. Write down charges in your holiday budget notebook and deduct each transaction from your checkbook balance so the money is in your account when the bill comes in.
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