Cheryl Winokur-Munk

speaker
1,406 appearances 26 recordings 2 series first heard Apr 2019 last heard Jun 2025

Cheryl Winokur-Munk’s voice in public audio — every appearance, attributed to the second.

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WSJ Your Money Briefing · Credit or Debit: Which Is Better for Your Financial Goals? · 3 Jan 2022 podcast
So you might only set it up for maybe a few small bills at a time and ensure auto pay is on, so that way you would avoid late fees. matched
For debit, you have to remember there may be months when you're short on cash. matched
So, you know, the car breaks, you have an unusual purchase or another. matched
You just want to make sure, if possible, you have another source of temporary liquidity so that you're not going to be living beyond your means. matched
Because if you deplete your bank account, obviously there's nothing left. matched
Absolutely. matched
And it's really never a good idea to spend money that you don't have or don't expect to have right away, right? matched
So if you're buying something today and your paycheck's coming tomorrow, that's one thing. matched
But if you're buying something and you really don't know that you can afford it, it's really probably not a good idea. matched
And you also want to make sure that whatever purchases you're making, you're going to be able to pay your bill at the end of each month. matched
And if excessive spending really is a problem, you shouldn't be afraid to ask the bank for a lower limit. matched
They'll usually give you one. matched
It can be hard to get a credit card without credit. matched
It's kind of like the chicken egg cycle, which comes first. matched
But there are a number of cards that are either on the market now or are starting to come out that are specifically meant for, say, college students who are just starting to build their credit or wanting to build their credit. matched
You can also get what's called a secured card, and that only allows you to spend up to what you've secured. matched
So if that's $500, it's $500. matched
If it's $300, your limit's $300. matched
The other thing is that sometimes store cards, like a Macy's card, for example, that they might be more lenient about not having a whole credit history before you can take the card out. matched
Another option for people who don't have credit history is to become an authorized user on a parent's credit card. matched
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