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Q: My partner loves to put everything on credit cards, but I much prefer to use the debit machine. How do we compromise?

Diana says...
Discuss the advantages of using debit over credit with your partner. Using credit cards are a snap, but there’s often a rude surprise at month’s end. Three good reasons to opt for debit over credit: 1) At the end of the month, there are no surprise bills and no interest adding up on unpaid balances; 2) you’ll have a complete rec­ord of all purchases on your monthly bank statement; 3) direct debit is a great money-management tool. You can easily track your spending against a simple budget.

Diana Cawfield is an award-winning financial writer with more than 10 years experience. Send her your questions here.