peterhutch asked:


wing prepaid debit cards and prepaid credit cards can help you control your spending. A reloadable debit card allows you to only spend up to the amount you have pre-deposited into the account. If you tend to overspend or would like to control your spending then a pre-paid debit card or prepaid credit card could be a good card for you.

Using a prepaid credit card has many advantages over wire transfers, money orders or other agent-based money sending locations. There are no unexpected agent fees for the recipient, and no need to carry large sums of cash. The prepaid credit card can be used to withdraw smaller amounts as needed from any Visa ATM. You can add more money to the prepaid credit card online, at any time immediately.

Why go prepaid?

Getting a prepaid card can help you build your credit history. If you are thinking about buying a car or house soon, get a prepaid to start building your credit. Most prepaid cards don’t have payment due dates. If you don’t want the responsibility of making a payment on time, get a prepaid and you will never have a payment. Credit cards often have fees. Get a prepaid and never overspend you limits, spend the planned amount, and earn rewards at the same time!

What are the charges?

Card application fee – Is there a charge for opening your account? If so is money loaded onto the card so that you have a balance on the card?Monthly service charge – Is there a monthly subscription fee and what do you get for this charge? For example does the prepaid card company provide free top-ups, an online service, a helpline or other additional services for you, funded by this fee?Customer call helpline – Are you charged at premium rate, national rate or standard rate for essential calls to the company’s helpline?Credit card/cash load – Is there a charge every time you top-up and does this vary by the manner in which you top-up, for example transferring funds from a credit card or in cash at the Post Office or at a Payzone or Paypoint terminal?

No interest to pay…

There’s no interest to pay or late payment fees! Because your cashplus prepaid MasterCard only approves transactions up to the amount prepaid on the card, it puts you in control of the amount you can spend. There’s no surprises as you can use the online facility to monitor balances and transactions at any time day or night.

Benefits of Prepaid Credit Cards

Spending independence – You can use prepaid credit cards just like regular credit cards. Just find what you need, hand your card to the clerk, sign your name on the receipt, get a copy of the receipt and your card back–and you’re done.

Convenience – Prepaid credit cards can be used everywhere Visa or MasterCard is accepted-at stores, gas stations, restaurants, theaters, in the mall and online.

Budgeting – You figure out in advance how you’ll spend it: spending can be controlled by how much money is loaded. In addition, prepaid credit cards provide a simpler way to keep track of money vs. carrying cash.

Start Saving Today And Living Debt Free With Great Money Saving Tips asked:


If you are now heating up your home use water with gas, electricity or coal with your current heating system, you can start saving on hot water costs today by installing a Tankless Water Heater. A new technology like this in water heating for your laundry, dish washing or shower, is one of the best money saving tips that can bring you great savings on your hot water costs and shorten you waiting time too.

How Does It Work?

After you installed a Tankless Water Heater, it will heat up the water instantly when you turn on your tap to use it. Likewise, it will not heat water when you are not going to use it. It can keep up with your water usage whether you taking a long shower or doing loads of laundry. The best part is, it can adjust the temperature according to you want it to be.

How Can You Save Money With It?

A Tankless Water Heater at home will use lesser energy than other forms of water heating and can potentially save you from 10% – 50% of the cost of heating your water. As you can adjust the temperature of the water you desire, it will save you more energy in the long run unlike traditional water heating systems.

What Are The Other Benefits?

Well, apart from saving on hot water costs, a Tankless Water Heater helps to save space by taking over the big tank in your basement or in the closet of your home. You can save your worry some people have when their hot tank exploded and soak the entire house.

Conclusion :

Every household is using hot water everyday and you should start looking at a Tankless Water Heater. Start saving on your hot water costs and enjoy living debt free in life today.