Spending on Credit Cards Takes a Nosedive

As student loan consolidations most expensive time of the year nears an end, figures taken from a recent survey suggests that many people decided against using their credit cards to purchase their presents this year. With the credit crunch holding a tight squeeze around most people's wallets, many have decided to avoid using their credit cards to try and stay out of debt for the New Year.

As a replacement, many people are using what money they have and are paying for things through either cash or debit cards. From the people who were surveyed to retrieve these figures, many of those who were asked commented that over the last few years they have lost faith in the credit card companies and feel they have been treated unfairly as individuals. The research also shows that only 1% of those who are living in Wales were planning to purchase their Christmas presents, food and drink on their credit cards this festive season. This is a very small percentage when compared to England which was at 28%.

Even though there has been a reduction in the amount of people using credit cards, they are still being used by many people in the UK for more general and less expensive items, usually costing up to 20. The credit card companies have commented that this change in spending has not affected them hugely and said it was to be expected considering the current financial crisis that the nation is in, however they do expect a rise in the number of people using their cards again in the New Year.

With things currently the way they are and spending slowing down on moneysupermarketcards/cards, we can expect to see a lot of deals on credit cards and home mortgage refinance tip free credit cards in the new year.

Birthday Gift Ideas For NASCAR Fans

Being a NASCAR fan myself I can attest that NASCAR fans love their racing. There are several appropriate birthday gift ideas for a NASCAR fan. Your search can take to something very simple and inexpensive to the Idaho Lemon Laws and ultimate.

Here are a few ideas;

1. Diecast car of a fans favorite driver is always a sure and safe gift. Especially if it is either nostalgic or a unique color scheme and not the one the driver races or raced every weekend. You will know if you hit the right one if they place it in a prominent place in their office or home.

2. Caps are a mainstay of NASCAR. Most fans have several. Again nostalgia or uniqueness is the name of the game. A red Budweiser cap is owned by every Dale Earnhardt fan but how many own a car #81 Taco Bell cap. This was the car that Junior raced at Talladega in 2004. He owned the car as well.

3. Windbreakers are a good choice. consolidating student loan do not have to be unique but it is still not a bad idea. You have your choice of all of the top racers. You can also choose leather jacket if youd like. There are multiple options for jackets and/or coats including hoodies.

4. Autographed pictures or posters can be had on the internet for all of the active drivers on the NASCAR circuit.

5. Throw blankets with recipients favorite can be used at any sporting event and all fans enjoy advertising they are a fan of whoever. It also can be an icebreaker for getting to know some of the other attendants of the event. This is even more so if they are a fan a Busch brother, either one, Kyle or Kurt.

6. There is something that usually isnt thought of but is a great gift and that is a diecast hauler. There is one persons office that I have seen pictures of dozens of haulers he has taken himself. He has already started a collection of die cast haulers and his office looks like a NASCAR hauler shrine.

7. If the fan in your life is a regular of semi-regular attendee of the races in person then a good set of binoculars or a scanner are fantastic choices. For those of you who dont know, you can tune a scanner to the frequency of various teams and hear the conversations between crews and drivers. That is watching racing at its finest.

There are several other items you that are available depending on the driver. Jeff Gordon has BBQ grills and coolers. Jimmy Johnson and Tony Stewart have home improvement items that are associated with them. There is even a Dale Jr. hammer. Jeff Burton has a phone with his car colors. There are even some old beer steins from drivers from the 1970s.

Whatever gift you decide on, your NASCAR fan is sure to appreciate it and love you even more for accepting them and their passion. Best of luck in your search for the perfect birthday gift idea for your NASCAR fan.

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