A debt-free Christmas
Have you checked your credit balance lately? Find out what you can afford before charging 
purchases to your plastic, and you’ll jingle all the way when bills arrive in January.
Lydia Ooi is big on Christmas. She generously spends on her colleagues and family, and just loves hosting Christmas parties. But not this year, though.
“I’m not sitting out Christmas, but with the looming credit crunch I’m definitely toning down my expenses,” confesses Ooi, a, cabin crew.
“I began by drawing up a gift list in August. It took up two whole pages, so I rewrote it. Then I set a budget of RM500. Shopping became a new experience because I paid attention to what things cost, and I had to be creative to stretch the money,” she adds.
The 26-year-old says she’ll be saving RM700 on presents this year.
“I’ll be chipping away at my credit card balance so I don’t turn into a debt-ridden, nervous wreck come New Year.”
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