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christmas day neck red

It's very common for people to use a credit card to cover the expenses of gifts, food, drinks and socialising, intending to pay off their indulgences in the New Year, but this kind of credit is fairly expensive - especially if your good intentions to repay early don't quite succeed and you end up carrying the debt for many months. This can make an overdraft almost expensive as a credit card. First of all, by shopping around you'll be able to take advantage of the intense competition between loan providers, and you should be able to get yourself credit at a much, much cheaper rate than that of a credit card or an overdraft. Secondly, a loan is usually arranged on a fixed rate basis, meaning that you'll know exactly how much you need to repay every month. This contrasts to the variable rates of credit cards and overdrafts, which can change from month to month, leaving you unsure in your budgetting. With a credit card, it's tempting to just make the minimum repayments, which barely cover the interest charges, leaving the best part of your debt uncleared. Credit should never be taken out without careful consideration of how it will affect your financial future, and it is of course better to live within your means if possible. However, if you decide that credit is the best way forward then a personal loan is often the cheapest and most effective option.
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