It's clear that retailers are working very hard - already - to get their fair share of holiday shoppers. But don't the offers of "No payments until 2010" or "10% off when you use your store credit card" just compound the credit problem that has gotten people into the economic mess they're in today? Am I the only one who pays cash (well plastic, as in debit card) for Christmas? I'm sure I'm not.
How about "10% discount when you pay with cash" as an incentive? Does that sound too absurd? Would there be any takers? I do most of my shopping online, so I can't hand crisp, green bills through cyberspace, but I won't be taking advantage of those credit offers, either. In fact, if I knew a store was offering a discount for cash, I might actually fill up my gas tank (gas is below $2 a gallon now so that wouldn't be so bad), drive through the take-out lane at the bank to stock up on old-fashioned folding money, and hit the mall. And I hate the mall.
I want the retailers to make sales and stay in business, I really do, but not at the expense of hard-working Americans who are bombarded with temptation to "Charge it!" Next thing you know, we'll be hearing about a consumer holiday bailout plan. Will government be paying for your next Christmas?
Forget letters to Santa. "Dear Uncle Sam. All I want for Christmas is a zero balance on my credit card bill, and a lot of expensive presents that I can't afford, too." Sheesh.
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2 comments:
I know what you mean. Seems that the only way my kids are going to get presents this year is if we buy them w/ the charge card. I do have a couple ideas for homemade gifts for them. They are still young, and will like them.
Tammy, I think the best gift you can give a child, especially a young child, is good memories. Homemade presents are wonderful and kids really don't need - and often don't want - much. Really, it's a society thing. Peer pressure on the parents' end. Try books for gifts, then read them aloud and often. Read with your family every night. Believe me, that's a good memory maker! Best wishes with your shopping this year.
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