Are you wary (as I am) about the safety of using debit cards (read my Reader’s Digest article about that)? Or would you rather not be tempted to overspend with your debit card? If so, did you know that many banks will let you “turn off” the point-of-sale purchase function on your card? Each bank or credit union has a different process for doing this, but try asking your financial institution to set the limit for all debit transactions on your card to “zero.” Voila! Your card is just an ATM card again. Read more about it on ClarkHoward.com.