Get Rid of Your Credit Cards: Five Tips
by writing4angels on May 24, 2009 with 4 Comments
Avoid the use of credit cards by following some tips.
This world has gone mad after the use of credit cards in past few years and there are few people who cannot imagine
Living without credit cards. What will be this world without credit cards?
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Online shopping, purchasing tours packages, booking your travel tickets, airfare etc. most of the transactions are carried out through credit cards and without credit cards it is almost impossible to survive technology.
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But credit cards are not just so smooth to use when it comes to payments, increasing rates and your control over your Budget. Most of the people spend more than they earn and later get stuck in payments of their credit card bills. So, don’t you think it is better if you control the use of credit card or plan not to have a credit card altogether?
Let us have a quick look at what we can do to get rid of credit cards:
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Automatic bill payments
If you already know the amount you will be paying every month for certain charges like telephone bills you can set automatic payment methods through your bank account.
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Use your debit cards for groceries
Let your debit card be scratched instead of credit card for your groceries and other household item purchase. You will not credit card for the same adding to your interests.
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Use checks
Make use of checks to get rid of your bills and payments. This is another way of secure transaction but make sure that you write down all the information correct and are aware about your bank balance and not allow check to be bounced.
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Plan your monthly budget.
Planning your monthly budget is an efficient way of keeping check on your budget and unnecessary expenses. Make a list of all pre-planned expenses of your family and accordingly calculate your next month’s expense in advance.
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Use online payment methods like paypal
If it is required that you have no choice left for some Internet shopping of payments there will surely be payments allowed through online payment methods like paypal. Create your paypal account and when you require to purchase anything deposit amount from your debit card.
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Published in: Personal Finance
Christine Ramsay | May 24, 2009 | Reply
Some very wise advice here. I no longer have credit cards and have so much more peace of mind now. Good work.
Christine
Rana Sinha | May 24, 2009 | Reply
Interesting article. I travel quite lot on business and for fun. Credit cards or a credit card is very useful and even vital in some countries. For instance you cannot rent a car without a credit card in some countries.
Mr Ghaz | May 24, 2009 | Reply
Great post!!..very informative and helpful article about creditcard..thanx for sharing this useful tips
The Quail | May 24, 2009 | Reply
Great post!!..very informative and helpful article about creditcards.