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How is this prepaid card different from a credit card? 

With this card, you add your own money before you can use it to purchase goods and services. There are no overdraft fees or late payment fees with this prepaid card. Also, you cannot overspend and be charged interest on this card.




Consumers can load 4 easy ways including cash at over 46K Western Union Agent locations.


The Western Union Prepaid
Card offers great benefits:
FREE: Online activation
FREE: Monthly Maintenance fees
FREE: Purchase Transaction fees
FREE: Paycheck & Government Benefits Direct Deposit
 
How to find funds within your existing budget to build your card balance 

Establish this card as an emergency source for yourself and build it gradually to an amount you determine. Here is a realistic approach to finding funds within your existing budget to complete your first deposit to your prepaid card:


Basically if you are willing to skip one or two fast food meals each week, you will easily build your card balance. On average, the daily amount spent on a “fast food” day is $14 to $16.


http://www.naturallysavvy.com/healthy-eating/the-real-cost-of-fast-food


To determine your own average spending, you will need to complete a Fast Food Management 101 Worksheet.  Simply click the link to download a worksheet.



The goal is to recognize then apply your real-time savings to your new debit card once you determine what your existing spending habits are. It’s always good to let us know if this approach works for you!