You may be under the impression that only credit cards are likely to be infiltrated and it is far safer to use your debit card for all your transactions. Nothing can be further from the truth! Remember that your debit card is tied to your savings account while your credit card is restricted to a credit limit and is money yet to be paid!



credit cards make it so much easier for you to get out of control with spending. You think when you're shopping "I love that and I can always pay for it later". Impulse spending begins to rule your life.

Text book buy back sites require you to create an account before you can post your ads. The process is simple. You just need to fill up the application form and you can edit your profile. Most sites require two valid email addresses. Do not give any personal banking information. You will only give these details when making transactions with your clients. When editing your profile, make it look professional so you can attract customers. It is also advisable to put a short description and actual pictures of each book you want to sell.

Check your bank balances often. When we travel, I check in with my online banking services every morning to verify the previous day's charges. This not only keeps us on budget, but also alerts me to unauthorized charges so they can be addressed promptly.

If you are short on cash, then having a bank account also enables you to take out a personal loan. Why? Because the majority of personal loans are of the unsecured type. This means that the lender does not require that you put up collateral. To partially compensate for this risky type of loan, the lender will require that the borrower have a bank account.

Saving money in a savings account is fine and safer in the long run than investing into stocks, but if you put more of your money into your mortgage first, you will insure a financial future for your retirement years. Retirement programs should be second, and any other investments third.