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So I clicked on the email and was shocked to see that someone had spent 0 on coffee in my name.To see how that was possible, I went directly to my bank account. There, in and increments (and denoted with the phrase “STARBUCKS CARD RELOAD 800-782-7”), was the answer.She likes the Citi Simplicity card, which offers 0% APR for 21 months, and Chase Slate, which waives its 3% balance transfer fee when you make the transfer within 60 days of opening your account. That said, they're an invaluable tool for many and, if you use them wisely, paying off your bill by direct debit when it comes due, they're completely free.
To say I’m diligent about checking my account, especially around paydays, is an understatement.
The only more expensive form of finance is a moneylender.
You get up to six weeks credit and it costs you nothing except the €30 Government stamp duty.
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Mint, which I use as a budget and spending tracker, normally sends me annoying emails telling me I’m spending too much money on Chipotle.