Storecards

When buying goods at a department store checkout, beware of the Storecard offer where you are told that if you act now you can save say 10% off your order.

Then you can pay back the bill in stages. But the hidden agenda here is that you end up unable to pay it all back on time and end up paying high interest on what you owe.

And you will be placed on a mailing list, so with every credit card statement there will be a ton of special offers pushing you to spend more money at the store.

So ask yourself, do I really need another Storecard or credit card? And do I need the extra junk mail every month?

I think we know the answer to that, so just get ready for the sales push to sign up for the discount card next time you are at the department store checkout and politely decline and pay with cash.

Sure, you may have to explain what the folding stuff is in your hand and get it checked by a store supervisor since they don’t see it so often, but ultimately, it should save your money.