Do I Pay With Cash, Debit Or Credit?

Knowing which payment method to use is sometimes something I find myself confused about. I feel that when I actually pay with cash I feel the value of the money I am spending rather than just swiping my little plastic debit card without a care. So lets weigh out the pros and cons of using with cash, debit, or credit. Cash is a great way to  avoid overspending. We can choose a specified amount we are willing to spend and carry it with us and stop spending when we are out of cash. However it does carry the risk of being stolen or lost. Debit cards also provide easy record keeping and almost every accepts this as a payment method making it very convenient. Unlike credit cards, you automatically debited and don't have to pay at a later date. It is important that you make sure you know your checking account balance before using the card because it can decline or you can be charged an overdraft fee by your bank. It is also important that you check into your bank's fraud protection program to get a good understanding of your debit card security incase it is lost or stolen.  Credit cards are another payment method that can be used to build your credit when used safely and responsibly. If you do choose to pay using a credit card you can reduce the amount you end up paying in interest by making more than the minimal payments each month. If possible is would be a great idea to pay the whole balance to avoid paying interest at all. Many credit cards offer reward program that can be used towards travel, purchases and even cash back.   Also, most credit cards offer protection on purchases and come with fraud liability protection, meaning they won't hold you accountable for any fradualent charges on your card as long as you report them in a timely fashion. In conclusion there is no right or wrong choice of payment. You can choose to use one or a combination of all three. Weighing out the pros and cons of each is a good start to help match the best ways to make payment and seeing which one best fits your lifestyle.

All about Texas Roadhouse

Texas roadhouse is by far one of my favorite restaurants. From the yummy warm bread rolls you get at the beginning to the yummy juicy streak during the meal, I always love my experience there.   It all began 21 years ago  when Kent Taylor opened the first Texas Roadhouse in Clarksville, Indiana.  Texas roadhouse has a very western theme. Kent’s goal was to own not just a family restaurant and not just a steak but a place where everyone, of all ages, could come and have a great meal and great fun for a great price. Everything at Texas roadhouse is handcut and handmade. You definitely get a bang for your buck here because you get excellent customer service and great food for a great price.   Roadhouse is also known for their fun environment. They have line dancers, a jukebox and super friendly servers.  Roadhouse is located all over the united states and even internationally. They are soon to open two new stores in Kuwait City and in Taipei this month. They will also be opening a new store in Miami Florida at the beginning of 2015.  Texas Roadhouse is all about giving back to the community. They are actually a great supporter of  Habitat for humanity International. Habitat is a Christian housing ministry who is devoted to building simple, decent, and affordable housing to address the issue of poverty housing in the world. This is only one of the many great organizations that Texas Roadhouse supports.