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GiftWhile surfing the net this morning, I came across an interesting site called New American Dream. I would advise all of you who are interested in living Blulow to pay it a visit.

New American Dream offers tips, advice and information about how to live consciously and blulow, by doing things like simplifying the holidays (check out their Holiday Survival Kit) and living green below your means. Green living is beneficial to the environment, your peace of mind and your pocketbook. According to their site, “in November of 2003 54% of consumers were still paying off credit card debt left over from the previous holiday season.” Does that really make sense?

I wonder if those folks still paying for their prior year’s holiday debt remember what they bought. Stop and think for a minute. What did you get last year for the holidays? What did you buy? When was the last time you used it? Now the big question, are you still paying the credit card debt associated with it? Here are a few blulow tips for paying the debt down creatively and quickly.

I’m not saying to stop spending around the holidays, but what I am saying is be conscious of what you are buying. When you pull out your credit card in December, try to think about July of the following year. Will you still be paying for your Credit CardsDecember purchase and will the recipient remember what you gave them?

Here’s a thought. Rather than paying for the holiday purchases a year later, why not start preparing your holiday gifts a year earlier. Think of gifts you can make that are meaningful and much less expensive. If you start early enough in the year, you will be ready when the holiday rolls around. Plus, you’ll be able to enjoy your New Year because you wont be starting another year underneath a mountain of newly incurred credit card debt.

About the author: Felicia has learned the hard way that health, whether good or bad, is a result of daily choices and habits. On this blog, Felicia shares what she’s learned and the healthier choices she now makes as a result of her new knowledge. She hopes to encourage others to experiment to find alternative solutions to nagging problems (she’s also is a bit of a tree hugger and likes to share ways to lighten the toxic burden on the environment).

in Debt