Living without credit cards today is a very brave thing to do. You need them for everything from checking into a hotel room to shopping on line and everything inbetween. With the cards comes the temptation, and with the temptation comes high interest rates and charges that add up so fast. Fortunately there are alternatives: the debit card and the bopo card. They both use your own cash, but in different ways.
Debit cards: This is the plastic card without the interest. The upside to this is “No debt” You get to shop like a diva, flashing the plastic and carrying nothing but glossy store bags. Buying online without having to print out that “pay me later” form and all you are paying is the actual price not the 14,15 ot 17 percent extra it will cost you by the time you add on the interest charges. This means you are living within your means – there is no overspending when it’s coming straight out of your account. The bonus is you think twice or thrice about those impulse purchases…they don’t seem as vital when you’re actually paying for them! Try it I did, it’s the strangest feeling when you know...
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