I have just recently hear about these visa debit cards and I think it is the way of the future you are more likely to be careful with this money because it is yours and not the banks and will make you think twice about your spending. Just recently I have been leaving money in an account and using it in that way instead of using my credit card so much.

Fantastic advice!!!  I too have fallen into the credit card trap before and what you say about (a) buying things you can scrape by without and (b) once the balance gets up a bit it can be hard to get on top of .... SO TRUE!  Good on you for writing this and giving those who have never considered debit cards something to ponder!!  Sharon

great advice

annie

LOL credit cards are handy if you are in a pinch, plus they are a good way to create a credit rating... IF YOU PAY THEM OFF.  I am happy to say that I just paid off and gave one mega one the flick and I am staying with a smaller one that currently has 8mth interest free.  There are many options out there, however if anyone isn't able to pay their card in full without incurring interest; they shouldn't have one.  The debit cards are a great idea, especially for purchasing things online, which is usually cheaper and so much more convenient that hot footing it down to the shops, (especially if you abhor shopping and find it a complete waste of time like me).

Hi there,

This is another great article from you . . WELL done!!

I have always worked on the belief that if you were mean't to have something then you would find the money without the need of a credit card!! This has worked well for my husband and I as we can proudly say that we OWN everything in our home including our car! . . We have NO loans, no higher purchase agreements and NO credit cards . . .

We are however looking into getting a Debit Card as this will help us as I do 90% of my shopping online. . .  For me with my disability this is the best way for us and I have became quite good at tracking down bargains, most of my friends and family ask to to look around before making purchase these days . .

Cheers Kellz

I have had a visa debit card now for 7 years and I love it. no interest, no fees and I can use pay pal without having to add my bank details. I can buy things online that u have to use a credit card. I dont get charged to use my card like normal ones. (transactions)

 This is excellent advice, anything that helps with being debt free is a plus.

Janice xxx

Hubby and I hate debt and credit cards are foreign to us. Debit card sounds better option.

Excellent advice..

My hubby has a debit card, and we about to close my savings accounts down and link me onto his account, now that i know its not a credit card, as i fell into that trap when brodie was a bub, and the tempation was bad...

xx cazza