Spending your money is not a sin as long as you feel good about it. But, if you borrow and spend for some instant gratification, you may feel bad about it sooner or later. So, in this festive season, use only debit cards for all your shopping and spend only what you can afford. If you use credit cards, be conscious of spending and payback all the balances promptly.If your paybacks are not prompt, penalties are absurdly high in credit cards!
