As far as most people are concerned, spending and saving seem to go in cycle. You will need to make sure that you keep the two in balance. If you spend too much, you won’t have enough put aside for the great emergencies in life. On the other hand, you can’t always save everything you get — there will be things in life that you want, and life is far too short to really deprive yourself anything.

The key to really making everything work is to find a solution that can sustain itself for the long term. There are a lot of short term solutions that don’t seem to take you as far as you might want to go, but the reality is that you really can balance your finances with ease.

The key is to pick up a pre-paid debit card. In the past, most people only thought of pre-paid debit cards as something that people purchased when they were unable to get a bank account. However, the reputation of pre-paid debit cards has drastically changed — it’s now possible to pick up a great pre-paid debit card that you can use to make purchases online as well as offline. The stigma is also gone — there are people out there that have more than enough money to pay for a traditional credit card, but have grown weary of the fees that come with these cards. If you’re really serious about going the extra mile with balancing your finances, you really can’t get any better than picking up a pre-paid debit card.

For the person on the go, pre-paid debit cards really show their benefits, since you will be able to pick up the card and use it just about anywhere that card’s logo is accepted. Speaking of card logos, you also have a choice these days of what card issuer your pre-paid debit card comes from. Visa and MasterCard are pretty much the two most popular, but you have several different options to choose from.

As you can see, balancing your finances with a pre-paid debit card is actually more straightforward than you think. If you really take the time to apply for a card, read over the details, and push forward with a solid financial management plan, you should have no trouble at all striking a balance between the cycles of spending and saving!