I don't understand why some of you are so angry. Unfortunate things happen whether you possess a debit card, credit card, or neither. If you receive an unsolicited card, just trash it. Unless there is money in your account, it's dead plastic. I have several of these cards and I love them. I can shop until I drop, without having to worry about a credit card bill. It's also a great way to discipline yourself, and keep your spending under control. Your can obtain one card to pay all your bills, and another card to pay yourself. This works well for me.
Also, I've discovered that having a card without the worrying of a bill, has actually taught me to spend less. I rarely deplete my disposable income card. I won't pretend to understand the psychology of it, but it's as if the ability to purchase tempers the desire to purchase. Go figure.
Wow, this post (and this reply) is one of the most simplistic and uninformed posts I've seen on this website. It's a good example of how Wise Bread posters often seem to think that their "saving money" mantra justifies their uninformed opinions abut other topics (e.g. exercise, travel, art). Please don't ignore the negative comments--there's a reason they outnumber and are more articulate than the positive ones.
I take a break from whatever I am doing and call someone I know who is also in a stressful situation -- unemployed, dealing with health issues, etc. -- and see if they need anything. Most of the time they don't need much but the call does us both good. Sometimes reminding myself that I am not the only one dealing with stress and getting away from my own issues is all I need to get my focus on dealing with issues productively.
I curl up with a cup of hot cocoa or tea and read! Nothing beats escapism :-) Other stress busters include listening to new age music, blogging to vent off steam, and taking a walk in a beautiful natural setting. Also, laughter is the best medicine -- playing with our 6-month-old daughter and our cat sometimes help too.
After trying Zuppa Tuscana from Olive Garden, I am looking for easy potato soup with hopefully less sodium! Just FYI, I am going to add sliced pepperoni for the seasoning.
With Chase Bank, after and upon a credit card recurring payment which may take upto 3 days to clear, there is a extended transaction fee of $15 over and beyond a non sufficient fee of $35 if you do not bring your balance back to positive within the required days.(usually 3 days not including weekends). Therefore, a signature transaction might actually end up costing you a lot more than originally intended.(especially if u r single and traveling overseas). I had chosen to opt out of overdraft protection before august 15th but that does not apply to recurring credit card signature payments.I would like someone to help me fight this with one of the federal bureau agencies (most likely FDIC or OCC).I figured when you opt-out of credit card overdraft protection that all credit card transactions are subject to being denied including recurring credit card payments. I have been proven wrong and i have documents to prove chase has charged me non-sufficient as well as extended days non-sufficient fund fees.
When I feel stressed I paint river rocks with my acrylic paints. No stress, just draw or paint anything that I want. Takes my mind off of stressors of everyday life!
I'm stunned at the stupidity of this article. Also bios locking the boot order with a password would be a much easier fix for #1 then dns blocking at the router and physically securing it
I relieve stress by soaking in a bubble bath with a good book, with a plate of freshly baked chocolate chip cookies (my secret: I use the break & bake and made a handful at a time, so they are deliciously warm and gooey every time) and a glass of milk. Maybe it sounds strange to eat in the bathtub, but after a long day, I really look forward to this.
I am a partial stay at home Dad...hence the time to be reading this post! My wife owns a small business and makes about 4 times my yearly salary in only 6 months. Her job is seasonal. It's not perfect. We had been married about 8 years before we moved to this situation. Before then we both worked for the most part full time. Then we had our son and something had to give. Luckily we opened a business and started making money right away and replaced my income. Living on one income or mostly one income is great but many people just can't do it. We are in our late thirties. Believe me, if neither of us had to work we would not. A lot of people identify with work, but we mostly work because we have to do it.
Great post! I've never really thought of these type of purchases as "fear" purchases before, but you're totally right! In some cases, paying a higher insurance premium or other such things may be beneficial, especially when we are in high-risk situations, but on most occasions the insurance never ends up being used, and lower cost plans suffice. I think it's so important to classify "needs" vs "wants", and the fear purchases definitely don't fit into the "need" category. We also need to make sure we're not convincing ourselves that we "need" something out of fear. For more on classifying "needs" vs "wants" and for more tips to avoid overspending, check out my blog post on Living on Less: http://jaynsteele.wordpress.com/2010/05/21/strategies-for-living-on-less/
I like to turn on some music and dance around the living room with my kids. This usually turns into a big tickle-fest on the floor. So, I get exercise and laughter and those two things are great for relieving stress.
Interesting. This must be fairly new. I was in London in June and logged in to Facebook and didn't have to do this. Do they use people's profile pictures? I have some friends who don't even use pictures of themselves for their profile picture. Those would be really tough to identify!
There is a whole paragraph about how debit cards do carry similar protection, but only by Visa/MC policy and not by law. And it even details some nuances on how the protection differs. I can't say that the paragraph wasn't added after your comment, but it's there now.
Total nonsense. The beers you mention are crap. Better to drink one good micro, or maybe a Guinness, than a case of PBR etc.
It's all well and good to be frugal, but when you tell yourself Coors is good who are you fooling?
I don't agree with you, I think the TV and cable is important in many people lives. I know I can't live without my TV.
Get completely away from the thing that's causing you stress, and get it out of your mind--no matter what you have to do to accomplish this.
Then, do something that brings you simple pleasure.
Watch a football game, read a book, do nothing, sleep, whatever.
After you feel "relieved" then its time to get back to eliminating that "stressor" from your life.
I remember reading the Time article and thinking that it missed some major benefits of exercising. This guy from msn actually looked at the researched used in the Time article.
http://health.msn.com/blogs/get-back-in-shape-post.aspx?post=1225481>1...
I like to relieve stress by going for a long walk
This one is the easiest!!!! I PRAY!!! Works every time!!!
East coast drinkers know that Schmidt's is fine stuff from Philly. Unfortunately it gets confused with Schlitz, which is cat barf.
I don't understand why some of you are so angry. Unfortunate things happen whether you possess a debit card, credit card, or neither. If you receive an unsolicited card, just trash it. Unless there is money in your account, it's dead plastic. I have several of these cards and I love them. I can shop until I drop, without having to worry about a credit card bill. It's also a great way to discipline yourself, and keep your spending under control. Your can obtain one card to pay all your bills, and another card to pay yourself. This works well for me.
Also, I've discovered that having a card without the worrying of a bill, has actually taught me to spend less. I rarely deplete my disposable income card. I won't pretend to understand the psychology of it, but it's as if the ability to purchase tempers the desire to purchase. Go figure.
Swopes
Wow, this post (and this reply) is one of the most simplistic and uninformed posts I've seen on this website. It's a good example of how Wise Bread posters often seem to think that their "saving money" mantra justifies their uninformed opinions abut other topics (e.g. exercise, travel, art). Please don't ignore the negative comments--there's a reason they outnumber and are more articulate than the positive ones.
I take a break from whatever I am doing and call someone I know who is also in a stressful situation -- unemployed, dealing with health issues, etc. -- and see if they need anything. Most of the time they don't need much but the call does us both good. Sometimes reminding myself that I am not the only one dealing with stress and getting away from my own issues is all I need to get my focus on dealing with issues productively.
I curl up with a cup of hot cocoa or tea and read! Nothing beats escapism :-) Other stress busters include listening to new age music, blogging to vent off steam, and taking a walk in a beautiful natural setting. Also, laughter is the best medicine -- playing with our 6-month-old daughter and our cat sometimes help too.
If I can, I get to the gym or go for a long run. If exercise is out of the equation, then a shot or two of a blended scotch.
Thank You!
After trying Zuppa Tuscana from Olive Garden, I am looking for easy potato soup with hopefully less sodium! Just FYI, I am going to add sliced pepperoni for the seasoning.
With Chase Bank, after and upon a credit card recurring payment which may take upto 3 days to clear, there is a extended transaction fee of $15 over and beyond a non sufficient fee of $35 if you do not bring your balance back to positive within the required days.(usually 3 days not including weekends). Therefore, a signature transaction might actually end up costing you a lot more than originally intended.(especially if u r single and traveling overseas). I had chosen to opt out of overdraft protection before august 15th but that does not apply to recurring credit card signature payments.I would like someone to help me fight this with one of the federal bureau agencies (most likely FDIC or OCC).I figured when you opt-out of credit card overdraft protection that all credit card transactions are subject to being denied including recurring credit card payments. I have been proven wrong and i have documents to prove chase has charged me non-sufficient as well as extended days non-sufficient fund fees.
@Stannius - this is the original article and has not been change. I think @Des might have missed the section.
When I feel stressed I paint river rocks with my acrylic paints. No stress, just draw or paint anything that I want. Takes my mind off of stressors of everyday life!
I'm stunned at the stupidity of this article. Also bios locking the boot order with a password would be a much easier fix for #1 then dns blocking at the router and physically securing it
I relieve stress by soaking in a bubble bath with a good book, with a plate of freshly baked chocolate chip cookies (my secret: I use the break & bake and made a handful at a time, so they are deliciously warm and gooey every time) and a glass of milk. Maybe it sounds strange to eat in the bathtub, but after a long day, I really look forward to this.
Call any customer service. Then start b****ing for any reason for few minutes. It will be fun and a way to relieve stress.
Take deep breaths and pray to Jesus.
I am a partial stay at home Dad...hence the time to be reading this post! My wife owns a small business and makes about 4 times my yearly salary in only 6 months. Her job is seasonal. It's not perfect. We had been married about 8 years before we moved to this situation. Before then we both worked for the most part full time. Then we had our son and something had to give. Luckily we opened a business and started making money right away and replaced my income. Living on one income or mostly one income is great but many people just can't do it. We are in our late thirties. Believe me, if neither of us had to work we would not. A lot of people identify with work, but we mostly work because we have to do it.
Great post! I've never really thought of these type of purchases as "fear" purchases before, but you're totally right! In some cases, paying a higher insurance premium or other such things may be beneficial, especially when we are in high-risk situations, but on most occasions the insurance never ends up being used, and lower cost plans suffice. I think it's so important to classify "needs" vs "wants", and the fear purchases definitely don't fit into the "need" category. We also need to make sure we're not convincing ourselves that we "need" something out of fear. For more on classifying "needs" vs "wants" and for more tips to avoid overspending, check out my blog post on Living on Less: http://jaynsteele.wordpress.com/2010/05/21/strategies-for-living-on-less/
I like to turn on some music and dance around the living room with my kids. This usually turns into a big tickle-fest on the floor. So, I get exercise and laughter and those two things are great for relieving stress.
Interesting. This must be fairly new. I was in London in June and logged in to Facebook and didn't have to do this. Do they use people's profile pictures? I have some friends who don't even use pictures of themselves for their profile picture. Those would be really tough to identify!
There is a whole paragraph about how debit cards do carry similar protection, but only by Visa/MC policy and not by law. And it even details some nuances on how the protection differs. I can't say that the paragraph wasn't added after your comment, but it's there now.