I’m useless with money. Not other people’s money, just my own. If you asked me to mind money for you, I would guard it with my life. The amount wouldn’t matter. In fact, if you want me to become treasurer of whatever organisation you’re part of, I’m your man. I fear no audit. I am whiter than snow. I sleep well when it comes to other people’s money.
When it comes to my own I have nightmares.
I had a credit card once. I maxed it out within a week and spent the better part of three years paying it all off. Needless to say, I will not go near credit cards, not for a long time anyway.
The downside of this is my inability to order online. I used my brother’s card for a while, but that was an inconvenience for both of us. He urged me to try out Payzone. It’s a debit card I can use online, provided I have the necessary funds in the account.
The advantages are:
- I can now order books from Amazon.com, Barnes & Noble, Powells etc.
- I can top up my account by going into any shop that has a Payzone sign displayed.
- I can manage my account. If I have no funds, I can’t use it. I cannot, therefore, overspend.
- I can book concert tickets, train journeys and air flights.
- I can take it with me wherever I go and use it like an ATM card.
- I no longer have to inconvenience my brother.
So now I can top up and spend what I need to on products I should have bought the day they came out. That means if any of my writer friends have had books published, I can now buy them. Not all at once, though. One a week should do it.
After all, I’m not made of money, am I?