Be very careful if you are thinking about getting involved with prepaid debit cards. They’re popular! And it’s pretty simple—you load money on a card or buy a present one and then you can make purchases or cash withdrawals.  Some parents of college students use them too, because they only allow you to spend what’s on the account. But, there are a couple downsides worth mentioning. First, there’s a usually a startup fee, and sometimes monthly maintenance fees. If even heard of withdrawal fees. So, yes, the cards are good to keep you from overspending, but you may be spending more on fees than it’s worth.

Mandy’s Fabulously Frugal Fact is made thrifty by:

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