2018 is here, and there’s no better time than now to make smart choices about your finances.
Start by looking back on your past year’s activity. Did you pay more in interest than you’d like? Is your debt accumulating rather than reducing?
From there, it’s time to find the right resources to help. If you’re interested in improving your financial situation this year, a cash-back debit card is a must-have. Stop worrying about the past, and instead, focus on improving your present with this unique financial tool.
Make shopping easier
If you’re living on a budget, you may prefer to spend using cash, as it is a simple way to protect yourself from getting into debt. But what if you want to shop online? With a cash-back debit card like the Green Dot 5% Cash Back Visa® Debit Card, you’ll be able to shop online or in store everywhere Visa Debit is accepted in the U.S.
Give yourself a bonus
What if you could get some of your money back, every time you used your card? With a cash-back card, you’ll be able to reduce the amount you’re spending as you’ll get a percentage of that amount back in cash-back rewards. For example, the Green Dot 5% Cash Back Visa Debit Card will reward you with 5% back on every purchase, up to $100 a year. It’s like getting a bonus from your card provider. Learn more about the card and earning cash back with Green Dot.
Use direct deposit
While earning some cash back is a reward in and of itself, you’ll also get a few extra benefits with a cash back debit card that will make your life easier year-round. If you’ve been cashing benefit checks or paychecks, you can instead have these funds directly deposited into your account, giving you access to them even sooner than if you had to wait for a check to be cut and mailed.
Just think about how long you often have to wait for your federal tax refund in the mail. If you chose to receive your tax refund via direct deposit, the IRS estimates that you’ll get it 21 days after your refund is processed (remember: this is just an estimate and Green Dot has no control over when direct deposits are received from the government or any other payment providers). No more waiting by the mailbox or worrying about a lost or stolen check!
Proactively manage your money
To make the most of your money, you need active money management. Having a cash-back debit card with a mobile app will allow you to check your balance from anywhere—so you know how exactly much you are spending and how much you have available to spend. With the Green Dot 5% Cash Back Visa Debit Card, you can even deposit checks electronically using the Green Dot mobile app after you’ve made an initial load. That means faster access to your money since you can cut out the time needed to commute to a bank branch, wait in line, and get your check cashed or deposited.
Simplify bill pay
If you have multiple accounts, you may be able to consolidate your resources into a single account that has the flexibility to handle all your needs. With a cash-back debit card, you can write checks to pay various bills from a single account so that you’re not worried about having to check multiple account balances all the time. Plus, with online bill pay, you set up automatic bill payments so you never have to worry about missing a payment again.