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I recently wrote about how to save money using a credit card a few days back but not all Filipino consumers own one. For some, they simply don’t want to have a credit card because it’s just a temptation for them to spend more than they can actually afford. If a credit card is not appropriate, then a debit card is the right tool. A debit card is a prepaid card in which you only get to spend the amount loaded on your debit card. Use it in the grocery, gas stations, paying bills and wherever establishment the card is accepted, it works just like a credit card, only better. It is impossible to overspend so you can control your expenses and you won’t go into horrifying credit card debts. Another advantage is because it’s also a savings account, you get to earn interest from your money, not the other way around with a credit card.

Take your pick, a credit card or a debit card? Either way, as long as you’re a responsible spender, you won’t go into trouble with credit card debts or other finances. Times are hard so we should exert a lot of effort using our hard-earned money wisely.

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