Holiday Shopping without a credit card — 6:15

>> Ben: TAKING JULIA NOT THIS MORNING

>> Julia: NO, OR ANY MORNING >> Ben: THAT'S OKAY 6:13, HOPE YOUR TUESDAY IS OFF TO A GREAT START DESPITE HAVING A CREDIT CARD, SOMETIMES WE DON'T WANT TO USE IT >> Julia: DIFFICULT TO DO WHEN YOU'RE SHOPPING ON LINE, WHICH MORE AND MORE OF US ARE DOING THESE DAYS

MATT, IT CAN BE ESPECIALLY HARD WITH HOW MUCH AMERICANS ARE SPENDING EACH YEAR >> I WAS SO SURPRISED, SPENDING ABOUT $1,000 ON AVERAGE A LITTLE COIN WE'RE GOING TO GET RID OF TO MAKE SMILES ON CHRISTMAS MORNINGS, EXACTLY THREE WEEKS AWAY, IF YOU CAN BELIEVE THAT THE CROWDS, PARKING LOT, EVERYTHING YOU SEE HERE, REALLY SOME OF THE REASONS WHY MANY OF US WANT TO SKIP IT ALL AND SAY TURN TO THE PHONE AND TABLETS, THE COMPUTER AND SHOP ONLINE ONE ASPECT OF SHOPPING IN THE STORE OFFERS IS THE ABILITY TO PAY WITH CASH

CONSTANT DATA BREACHES AND HACKERS HACKING IN, USING A CREDIT CARD MAY NOT BE APPEALING ALONG WITH THE FINANCE CHARGES HERE IS HOW YOU CAN SHOP ONLINE AND SKIP THE CARD FIRST, BUY A CREDIT CARD GIFT CARD DO IT AT MOST STORE, ANY AMOUNT, GIVING YOU A VISA, MASTER CARD OR PREPAID CARD DEBIT CARD, CHECK APPROXIMATE YOUR BANK ABOUT USING VIRTUAL ACCOUNT NUMBERS, SO THE NUMBER ON YOUR CARD IS ONLY USED FOR THE PHYSICAL IN-PERSON TRANSACTIONS

LASTLY, USE PAYPAL TO TRANSFER FUNDS, LINK YOUR CHECKING ACCOUNT ANOTHER BIG GROWING TREND IS PERSON TO PERSON, USING THINGS LIKE FACEBOOK MARKETPLACE, CRAIGSLIST COMING UP IN THE NEXT HALF HOUR, WE HAVE NEW TIPS ON THE BEST WAY TO GO ABOUT DOING THAT, MAKING SURE EVERYTHING IS LEGITIMATE, COMING UP ABOUT 30 MINUTES >> Julia: IF YOU'VE CONVINCED PEOPLE TO USE CREDIT CARDS, THERE ARE BONUSES? >> ABSOLUTELY ZERO LIABILITY, CHECK TO MAKE SURE YOU HAVE THAT

CASH BACKBONE NEWS CASH BACKBONE BEWS CASH BACKBONE BONS CASH BACKBONE BONUS, AND NATIONA CASH BACKBONE BONUS, AND NATIONL CASH BACKBONE BONUS, AND NATION SOCK DAY, BUY A PAIR OF SOCKS >> Julia: SOMEONE IS REALLY INTO SOCKS? >> I CAN'T THINK OF ANYONE