The average holiday shopper is expected to spend $737.95 on gifts, decorations, greeting cards, etc., this year, according to a survey from the National Retail Federation. And while that figure is down 2% from last year, perhaps reflecting consumer caution stemming from the government shutdown, it nevertheless represents a significant financial burden that many of us will be hard-pressed to afford in this still-recovering economic environment.
That's where credit cards come in. No, I' m not suggesting that you go on a plastic-filled spending spree and worry about the consequences later. The average household already has about $6,700 Read More »