If you are like many other people, you are probably doing your taxes right now or getting ready to do them. If you have already filed your taxes and are getting a tax refund, congratulations!
Here are some smart ideas on what to do with your tax refund.
The Credit CARD Act of 2009 also made it harder for those under 21 to get a credit card by prohibiting credit card companies from giving out free swag on college campuses and requiring proof of income or a co-signer to get a credit card. Thus, a whole new generation of adults do not see any reason to have a credit card. Instead, they are using debit cards.
Here is why I believe credit cards are not always bad and why you shouldn’t use debit cards.
I estimate I’ve been shaving for over 2 decades now. When I started growing facial hair in high school, my father handed me a Gillette Sensor Excel razor which was a free sample that arrived one day in the mail. If you think about it, that is a pretty ingenious marketing strategy if assuming I shaved every other day, replacing the cartridge once a month at $2 each, I would have spent $480 just on the razor cartridges alone over the years.
One day I got tired of spending so much for cartridge refills and switched to this, potentially saving me hundreds of even thousands in my lifetime.
It was just over a year ago when if you wanted a SSL certificate for your blog or website, you had to pay for it with your hard-earned dollars.
This all changed in December 2015 when Let’s Encrypt started offering free SSL certificates to the public. In less than a year they’ve issued over 20 million free certificates. Never heard of Let’s Encrypt, or are wondering why you should get a certificate for your blog? Read on for more details on how to setup a certificate with Let’s Encrypt in 15 minutes.
One of the best ways to save money is buying things when a store or company offers a rebate on an item. Years ago, the rebates would come in the form of a paper check that you take to the bank and deposit. Lately, more and more rebate vendors are sending rebates as a prepaid debit card.
While prepaid debit cards or gift cards with a Visa / Mastercard / Discover / AMEX logo work like any normal debit card, they can become a hassle when you have small amounts of money on them.