Lesson 8: Use Your Debit Card
Use a debit card, not a credit card. That way you don't risk getting in over your head in credit card debt—a problem that plagues more than half of adult Americans these days.

Do it, say this, and sound smart: "Oh, I use a debit card most of the time these days. That way I never have to worry about being surprised by bills."

Next: Clean house and organize your paperwork.

More on Money
Quizzes, calculators and financial worksheets
Free and cheap: Creative ways to save money
6 steps to creating a budget with your spouse
Reprinted from Make Money, Not Excuses by Jean Chatzky with permission from Crown Business, a division of Random House, Inc. Copyright © 2006 by Jean Chatzky.
Please note: This is general information and is not intended to be legal advice. You should consult with your own financial advisor before making any major financial decisions, including investments or changes to your portfolio, and a qualified legal professional before executing any legal documents or taking any legal action. Harpo Productions, Inc., OWN: Oprah Winfrey Network, Discovery Communications LLC and their affiliated companies and entities are not responsible for any losses, damages or claims that may result from your financial or legal decisions.


Next Story