I use a debit card for almost every single transaction that doesn’t involve cash. I just believe that using credit cards for every day spend is a bad move, for reasons I’ve mentioned before. There is, however, a contingency that … Read More … Read More
checking account
What if you don’t have a bank account?
I was on the bus the other day when I overheard the two people, a young man and woman, in front of me talking about a paycheck. “Yeah, I just got paid, but now I have to see if some … Read More … Read More
Surprises, or Why you need more float in your account
In my last post I talked about very nearly overdrafting my account. It would have been more embarrassing than anything else had it happened—I haven’t overdrafted an account in over two decades—but it wouldn’t have caused any big problems. I … Read More … Read More
That time I almost overdrafted my account
The idea that once you become intentional about your finances you’ll never make any mistakes is, frankly, ludicrous. When I was training for the Seattle to Portland bike ride a few years ago, amidst all the rushing around and buying … Read More … Read More
Why you need float in your account
If you’re most people, you have a single checking account that you use as your primary reserve of money. (If you don’t have a checking account and live out of the contents of a cookie jar, that’s a little … Read More … Read More