This is the very reason why I have become a huge fan of prepaid Visa cards. These are a great option for having money available via a credit card, but without having to pay it back since you have already funded that card. You can set up an account such as PayPal, your paycheck or even tax refunds to load directly on to this card and then use it for your needs.
What I do is have a specific account I do a little bit of work with each month directly load right on to this card. It is not enough to do much on a monthly basis, but by allowing it to just accumulate all year long I have the funds I need for holiday gift buying. This has been a huge help to me since, even though I know Christmas is coming up, I am never prepared financially. I also, love the fact that I am not starting off the New Year with a huge debt owed for all the Christmas shopping I did the previous months.
What are your thoughts on credit cards and prepaid credit cards?
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