I used to have trouble with cards, but I have one debit card from a local credit union and that's it. I check my numbers every day, and only buy things on days I get paid, and only what I plan for very carefully.
Quote:
Originally Posted by Ducimus
The one truly sad thing about debit cards, is being good with them doesn't help your credit score. Only real credit cards do.
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That's not sad to me. A debit card is just like a check, only handier. I carry very little cash these days. On the other hand when I did have a credit card I ended up with a bill that took me years to pay off. Then I worked briefly for a credit card company and ended up swearing I would never have one again. And I haven't. Of course the afore-mentioned bills kind of made so I can't have one anyway.
For me the secret is to check every day, know exactly how much I have and how much any particular thing is going to cost me. I never buy more than one item (book, movie, music) per payday. Of course the last three have been pretty hefty for my limited budget - video card, external hard drive and memory upgrade. No purchases at all for three more weeks, and then it all goes for a new five-string bass. Professional expense, you know.
