Then bad month comes up, refrigerator goes out, toilet over runs etc. Well even though you might have paid cash for these items, one thing you forgot to pay was credit card bill!

Oh my, it was due on 10th of month, and you did not send off payment till 8th of that month! Woops, payment arrived on 11th.

To your dismay your next month credit card bill no longer has 0% interest; it has jumped to 18.9% or worse, just for being that one day late.

What I am trying to say here is that credit cards not only put your in a financial strain, but all so cause you health problems as stress of being in debt has now gotten to you.

Bad things happen to good people. We don’t intend for this to happen but it does, and sometimes out of our control.

Credit cards can be used for anything these days, and sometimes what life deals us gives us no choice but to use one if we have it. Even for hospital bills, medicines, food and what ever else we need to survive.

I know this for a fact! I am a person due to some very unfortunate circumstances find myself in this position, and it was not planned!

This is why I decided to sit down and write this article, to try to help get word out that credit cards are bad for you financially and health wise.

It does not matter what walk of life you are from, what color you are, where you live, etc., more and more people are filling for bankruptcy everyday, due to having problems with credit cards.

Even worse yet people are loosing there homes and possessions cause they cannot pay there credit card bills. Please don’t get caught up with this disease, due it for you and your family.

If you would like to read more about my history with credit cards, I have set up a cheap little website to better tell you my story.

In our move towards a paperless society, banks have begun to stop shipping back cleared checks to their account holders. These cleared checks can be found on Internet and printed out should they need access to these records. Some banks also will not ship their monthly statements as they too can be printed out on web as well.

Interest bearing accounts

Some checking accounts, savings accounts and IRA’s can also be managed via Internet. Account holders can move money between accounts and add money to their savings accounts electronically without ever visiting a teller or local branch.

Convenience

One of greatest conveniences is being able to reconcile your accounts with popular personal finance software such as MS Money and Quicken. Banks have ways to create files that can be imported into these software products so that balancing account is done for them with little intervention. The web makes it very handy should you forget to record items into your register and will do it all for you with a couple clicks of mouse.