If we’re staying home to host, I favor myPrime Visainstead.

If your credit situation is already precarious, be very careful about how much you charge on your cards.

The goal is to never carry a balance from one month to the next so that you avoidaccruing interest.

That way, you’re not stuck paying off debtwhen you emerge from the holidays.

Remember you don’t have to (and shouldn’t) confine yourself to usingjust one credit card.

You’ll be building credit and a better budget, as long as you charge within your means.