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<blockquote data-quote="susiestar" data-source="post: 375650" data-attributes="member: 1233"><p>We used one of the prepaid Visa cards at a point when husband just couldn't keep track of his spending and kept causing real problems by overspending. It ended up being a total PITA. It cost $5 every time you put $$ on it, had a monthly fee of $3, and they would let you a certain amount over the balance if you didn't spend the entire balance on it for 3 months. He had NO idea about the amount they let you overspend until I realized that he had used it for more than he should have been able to afford. Part of the reason we wanted it was to keep track of gas costs (he drove about 80 miles each way to work) on one card, but it was not worth the hassle. </p><p> </p><p>Many emergencies can be handled at Walmart or Sams, and they are in almost every area. It would be pretty easy to put $$ on a gift card if she needed it. Many medical places will treat you and send a bill later (our ER has stopped asking for copays if you have insurance. For people who are out of work they sometimes even drop the copay and just take what the insurance pays because so many people just cannot pay the copays and the cost of COBRA.) if you are hurt. They will also take a credit card over the phone or even online if they have a website.</p><p> </p><p>Be incredibly careful if you give her a credit card tied to you in ANY way. Anything she does to damage her own credit report will also damage yours. My mom has taken over paying my bro's utility bills and put him on a line on her phone account and just called it all rent because she and Dad own his property and he was getting his power cut off on a regular basis. She found out when she went to open an account to switch her credit cards over for a lower rate. her credit was perfect previously and suddenly had gone down quite a lot. It really upset her and she now has to be responsible for his monthly bills as well as hers and dads. He couldn't even get a cell phone other than a prepaid one and those are "ripoffs" according to him. After about a month of hearing him rant and having to go get my niece because gfgbro couldn't be reached she put another line on her phone bill and now shares minutes with him.</p><p> </p><p>It took her over a year to repair her credit, even giving the companies that do the ratings letters explaining the problem.</p><p> </p><p>Paypal would be a good idea if she has her own bank account that you are not on in any way. There are ways to send $$ instantly via paypal. If the person has a balance on paypal they can send $$ that will be available within minutes. If the person sending the $$ has it set up to take funds directly from their bank account instead of going through an echeck or a credit card, then the $$ will transfer immediately. I tested it with my mom. She sent me $50 via bank transfer on her end, to my paypal account on my end. I then sent the funds directly to my bank account and was able to go get the cash from my bank within an hour. We both use the same bank, but I don't think that played into it. What I do on paypal has absolutely no bearing on her bank or paypal account unless I send her money or she sends me money.</p></blockquote><p></p>
[QUOTE="susiestar, post: 375650, member: 1233"] We used one of the prepaid Visa cards at a point when husband just couldn't keep track of his spending and kept causing real problems by overspending. It ended up being a total PITA. It cost $5 every time you put $$ on it, had a monthly fee of $3, and they would let you a certain amount over the balance if you didn't spend the entire balance on it for 3 months. He had NO idea about the amount they let you overspend until I realized that he had used it for more than he should have been able to afford. Part of the reason we wanted it was to keep track of gas costs (he drove about 80 miles each way to work) on one card, but it was not worth the hassle. Many emergencies can be handled at Walmart or Sams, and they are in almost every area. It would be pretty easy to put $$ on a gift card if she needed it. Many medical places will treat you and send a bill later (our ER has stopped asking for copays if you have insurance. For people who are out of work they sometimes even drop the copay and just take what the insurance pays because so many people just cannot pay the copays and the cost of COBRA.) if you are hurt. They will also take a credit card over the phone or even online if they have a website. Be incredibly careful if you give her a credit card tied to you in ANY way. Anything she does to damage her own credit report will also damage yours. My mom has taken over paying my bro's utility bills and put him on a line on her phone account and just called it all rent because she and Dad own his property and he was getting his power cut off on a regular basis. She found out when she went to open an account to switch her credit cards over for a lower rate. her credit was perfect previously and suddenly had gone down quite a lot. It really upset her and she now has to be responsible for his monthly bills as well as hers and dads. He couldn't even get a cell phone other than a prepaid one and those are "ripoffs" according to him. After about a month of hearing him rant and having to go get my niece because gfgbro couldn't be reached she put another line on her phone bill and now shares minutes with him. It took her over a year to repair her credit, even giving the companies that do the ratings letters explaining the problem. Paypal would be a good idea if she has her own bank account that you are not on in any way. There are ways to send $$ instantly via paypal. If the person has a balance on paypal they can send $$ that will be available within minutes. If the person sending the $$ has it set up to take funds directly from their bank account instead of going through an echeck or a credit card, then the $$ will transfer immediately. I tested it with my mom. She sent me $50 via bank transfer on her end, to my paypal account on my end. I then sent the funds directly to my bank account and was able to go get the cash from my bank within an hour. We both use the same bank, but I don't think that played into it. What I do on paypal has absolutely no bearing on her bank or paypal account unless I send her money or she sends me money. [/QUOTE]
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