36 weeks from today is Christmas Eve!
Yes, that was the post on my Facebook News Feed just a few minutes ago. Even though that seems like a long time from now, it’s only nine months, or a mere 18 paydays if you’re paid twice a month. Now that’s scary, isn’t it? Chances are you’re still paying off the bills from LAST Christmas, too.
Well, this year, why not get the drop on your Christmas shopping by starting early! I know, April seems like you’re starting way too early, but think about it. If you start now, you could actually have Christmas bought and paid for by the time December rolls around. Or, at the very least, you could have your Christmas budget all worked out AND have the credit you’ll need to actually be able to afford Christmas all in place.
But wait. What if your credit is no where near where you need it to be?
Believe it or not, you still have some pretty good options. And these are options that might even help you improve your credit score between now and then. Of course, secured credit cards are always a great way to build your credit score, but did you know that catalog shopping sites are also a great way to work on your credit score?
That’s right, catalog shopping sites not only work with most people to get them the credit they need, but they also report regularly to most of the major credit bureaus. And if you are a responsible customer who uses their credit wisely and pays all their bills on time, most catalog shopping sites will increase your available credit over time. That increases your available credit, which helps your credit score, too!
So, go ahead, start thinking about Christmas 2019 now!
You might actually find that you’re in a much better position to actually afford this year’s Christmas shopping than you think.