If you’re planning on using a credit card for your holiday shopping, there’s one trick to remember that will save you a bundle on interest fees—timing is everything! In order to survive the upcoming holiday season debt free, plan when you will make your holiday purchases. For instance, if your credit card bill is due on the 15th, consider charging items during the third week of the month to give yourself longer to pay with no penalty or interest. Since my credit card charges around 18 percent interest, I'd save $90 by paying a $500 bill early rather than letting it roll over until the next billing cycle! Consider, too, timing the bill to coincide with or shortly after your payday. Proper timing can make all the difference in paying your balance in full, especially during these months when your credit card is getting a good financial workout. It’s a simple but effective way to make sure you don’t pay any more for all those great KCL deals than you have to!