Control Your Credit Card, Control Your Life

Credit cards have to be the number one reason that people from all walks of life get into trouble financially.   Credit cards control you and eat up your funds with late fees, interest fees and overdraft fees.  It never fails to amaze me how many young adults are lured into credit cards and irresponsible fiscal management and yet they are warned not to drink or smoke. In my mind a credit card is as dangerous as drunk teenager.

It should comesas no surprise then, that I do not have a credit card.  I use a Vision Prepaid Card.  I have found this to be the answer in today’s hectic world to stay in control of my finances.  There are no interest fees, late payment fees or awkward calls all day and every day reminding you to pay your account. Yes – I have been there and it is a never ending spiral into hell and beyond.

Now, with a prepaid card, I make all my payments with it and if I cannot afford something, I save until I can afford it. Strangely enough this is not that difficult as I am not spending as much on bank charges and credit card fees.  I simple reload my card online when I need to add funds and off I go.  I never have a card declined because I always know exactly what is available.  No surprises, no hidden fees!

This financial flexibility has set me free.  Managing finances has never been easier or simpler. When you finances are under control you own your life, not your credit card.