Credit Card Debt Management

Last-Minute Gift Ideas

If you are among the 10 percent of holiday shoppers hitting the stores at the very last minute, keep in mind a survey done recently in the Colorado Springs area. According to that, women prefer diamond earrings above all other jewelry. Tools are still at the top of men’s gift list, while clothing is still at the top of women’s.

Of course, some will choose to defy the stereotypes. Ironically enough, I hinted at diamond earrings and got a golf putter instead. Really, it’s a selfless gift considering it will take strokes off my golf game. Whatever you settle on as you run around getting those last-minute gifts, remember to consider taking advantage of those store brand credit cards to get extra discounts on the already great prices available at the last minute. However, these usually come with higher APRs and temptation to spend more than necessary, but can bring useful perks like VIP discounts that are useful at stores you frequently visit. And remember men, with diamond earrings you can hardly go wrong.

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