OFFBEAT MAIL

Whenever you go on shopping sprees, do you always carry so much cash to pay for the stuffs that you buy in the markets? Well, if that is your choice, so be it. To most shoppers, this kind of practice is nothing new anymore. And it shouldn’t even raise your eyebrows whenever you see some people take out wads of money to pay for the goods that they buy.  They always believe that it doesn't only free them up with the worries of paying for  the increasing interests that their monthly bills could pile up. This, too, means to say that they'll have less to worry about because once they have paid those purchases with cash, they’re done. Mind you, there are people who don't feel secured having wads of cash in their pockets for personal reasons. Instead, some of them prefer to use "plastic money" to buy things that they need. While cash payments are good, using your debit card for your purchases is a much safer alternative. Aside from the convenience that it ma...

The holiday season is just around the corner. Surely, many consumers are already on their heels to plan for a wide variety of gifts that they could afford to buy to please their families, relatives and friends alike. And the most convenient way to pay for all the things we purchase is either through the use of debit or credit card. Besides, it also safer to use the debit card because even if it is lost, access to the account is protected by a secret pin number. It's not the same as the credit card which can be used by anyone who gets hold of it. But not too many people think that using these plastic instruments to purchase stuffs or pay for gas at the pumps can expose them to excessive overdraft fees, especially if they fail to take heed of the expenses that they have. That's true. In fact,  there are dangers that go with it.  I went through this sad experience a couple of months back due to my own ignorance for not being too careful to monitor my purchases. As alwa...