What is the best way to relax after three weeks of work and pressure? Well, for me, shopping is the answer. It may be just window shopping but buying something that fancies me really does the thing. I think a lot of girls will approve of this! Christmas season brings along bazaars & mall sale! Wow, I really wish I have saved some bucks to give in to my holiday splurge. It seems that when the "ber" months started, I cannot stop thinking of all the things I need & want to buy. And there are also things that are on sale but not yet in need but I will still buy because it is categorized, under my definition as "good buy". What the heck, that's the Christmas spirit!!!
But given this, I see to it that all I spend is not beyond my means. It has always been a routine for me to make my credit cards in zero balance when the year ends. This way, I can start the next year with a clean slate. But mind you, good sale are also up till February!!!
I wanted to get payday loans ever since I came across it. This are short term loans that can be used to cover spending cravings. It is designed to be connected to your future pay checks. It somehow gives you instant budget in times when cash is not yet at hand. It may be similar in concept with credit cards but different in the credit limits since it was pegged against the amount of your paycheck. This is what I really wanted! A credit tool just within my means. Tendency to over spend & maintaining high interest from the use of credit cards will be minimized. I have also heard this from a friend and she said that this is becoming popular. But honestly, I don't know where to get it or how. If you happen to know how, please tell me...
