Funds are very tight around this time. This is just because I have such a big family and I buy presents for them all. I budget each month and normally I have will set aside money for myself if I want to go to the movies or if I wish to buy myself stuff. However this month I have put aside plenty of money solely for Christmas shopping. I never use my own credit card as much because then I need to set aside more money for getting rid of my credit card bill for the month. I recently just found out that I have to have some repairs done to my cooling and heating system as well. Unfortunately this has to be done around the holiday time, too. I’m having my whole family over along with I don’t want my friends to feel uncomfortable while they’re here. I talked to my HVAC technician to see if there was any special promotions taking. They said that I could probably get $20 off a service and they had special financing. I wanted to acquire more information about their financing program. The HVAC technician then said that they offer several flexible choices for financing. What would have to be done first is that they will have to approve my credit score because of the bank. If I was approved, then I could receive convenient monthly payments, flexible financing terms, and some easy online access where I could manage my account. I was excited to hear this because I didn’t desire to pay them in full as of this time. Considering the fact it was throughout the holiday season and I have other things to buy still.