So how do you plan to pay for your holiday gifts this year?

I'm a cash gal.

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SILENCE IS GOLDEN BUT DUCK TAPE IS SILVER.

I use credit for everything, all year round...I pay it off in full each month, and reap the benefits of the cards pt programs. So it works great for us.

I voted cash, but the on-line items will be purchased with rewards points and some credit, to be paid off right away.

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Debt payoff:
debt: 4593.95

I stick away $25 each month for Christmas. While it doesn't cover our entire Christmas, it does help.

Cash for all of it. I've done this for the past 5 or so years & it's great having no bills come Jan/Feb. Works for me!

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AKA Mommyof2girls

everything goes on the credit card, so we can track our spending. i know my allowance for Christmas gifts, and it will be easier to keep track of how much I spent through that.

I've bought presents throughout the year with cash.

I also have a small amount in the Christmas Club Account.

I also have a $50 Visa gift card, $25 gift card from Target, and $22 left on another Visa gift card to spend on presents as well.

Cash and Target Gift Cards that I earn while shopping year round.

Cash for what I buy in person, credit card for online orders, which is where I do most of my shopping.

However, I do not use the credit card to order something if I do not have the cash in the bank to pay it off right away. I start shopping months before Christmas, so it's a little here and a little there instead of being hit with a huge bill all at once.

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I voted cash, although we too will be using credit cards and paying them off.

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It's not what you make; it's what you spend.

Looking for homemade gift ideas, Christmas decorations, or stocking stuffers?