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I like to consider myself a somewhat financially responsible human being, but we all encounter situations that test our financial strength. For various reasons, everyone has unexpected costs. Whether textbooks for school or gasoline in your car, some costs can catch us off guard. While managing finances is not that hard with online banking, I often find myself checking it every week or so rather than daily like my OCD parents. I for one, always think I have more than I actually do, which is perhaps due to my constant coffee runs or late night fast food runs.
Either way, I was in a pickle, because I had several bills looming over my head and not enough money to pay for them all. Paychecks never seam to come fast enough, and I was going to run out of money well before my next check. Unfortunately, this happens to me more than a few times each year, so I developed a backup emergency plan to bail my unorganized butt out of financial torture. After the first incident a few years ago, I got a prepaid card and kept adding $50 to it each month, which acts as my personal credit card I use for times like these, except it does not impact my credit score.
One of the reasons I like the prepaid card is because I can pay my bills with them and use it at an ATM is necessary to withdraw cash to my bank account, which covers any incidentals and protects me from those nasty overdraft charges. I know there are better options out there, but the prepaid card has saved my account from over-drafting on more than one occasion. Put a little money in the prepaid card each month, and you have yourself a zero interest credit card.










