While enjoying the Christmas trees and Bing Crosby singing “White Christmas” in department stores this holiday season, people are more enticed to whip out their credit cards to pay for gifts.

It is reported that credit card use is expected to increase 20 percent from last year. Unemployment is down and people have faith in the economy’s stability.

This is the main reason why people are charging rather than paying cash.

Have the times changed so much that people would rather be in debt than pay cash for things they want? Credit cards are not free money cards, as much as we’d like them to be.

You do have to eventually pay for things you charge, and with interest. Whatever happened to saving for a rainy day? College students can receive credit cards easily, and they are more enticed to use their cards for Christmas shopping.

And credit card companies profit from these inexperienced card users during the holiday season.

You may think you’re establishing credit, but you might have to pay on those gifts you charged for over a year ago if you go overboard.

We’re not saying that using credit cards to pay for holiday purchases isn’t a good idea, but you should use them wisely. Even though the economy seems to be “going good,” it doesn’t guarantee you won’t lose your job tomorrow. Or go into debt.

People, please stay within your means.The economy and your own financial well-being depend on it.

And remember it’s the thought that counts when purchasing gifts this holiday.

Not only will your loved ones appreciate it, but so will your wallet.