크리스마스 쇼핑 후유증

“Ready? We’re going Christmas shopping.” It’s become an American pastime this time of year: over-spending. “Oooh, this is too cute.” Cynthia and Nasaac Rosario are blowing <미, 속어> <돈 등을> 낭비하다, 다 써버리다 the budget, ‘do you like this one?’, for holiday gifts that could wrap their family in debt. “We don’t want to go over it, but we have a feeling we just might go over, maybe two or three hundred dollars more.”

 

The consumer Christmas can set back 좌절시키다 the budget for the entire New Year, especially when the holiday is paid with plastic, credit cards, used to sponsor Santa’s bounty 박애, 후한마음. “A lot of things happen in Christmas that you overspend maybe ‘cause you love somebody too much, but love and being in debt are two different things.”

 

More than 45% of American families don’t pay a monthly credit card bill in full 전부, 전액. The average balance 차액, 잔액 is a whopping <구어> 엄청난 $2,200. How you pay for all those presents may determine how bad the holiday hangover 후유증, 여파 will be. Shoppers using credit cards tend to spend between 10 and 30% more than those who pay with cash.

 

The Rosarios have a list 30 relatives long, ‘Yes, we are taking that one,’ and a strategy. “Our goal is basically once we get the bill to just pay it off completely. That’s why we’ll probably use just one credit card, so it’s easy to track.” While the budget for this trip was $400, the receipt 영수증 will total more than $700. And they’re not done yet.

 

Which might turn those jingle bells into alarms come January when the mailbox holds a delivery no one looks forward to…the credit card bill. “I’m happy we got our shopping done.” For TODAY, Janet Shamlian, NBC News, Houston.

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