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Personal Finance Comic 4
Süžeeskeem Tekst
- Libisema: 1
- Hey dad, I wanna open a bank account to save for a new computer but there are 2 types of them and i'm confused... Whats the difference between them
- Those 2 types of accounts are saving and checking. Your saving account is used for long term goals, You are also able to earn a bit of money from keeping money in your savings long enough. Checking accounts are used for short term goals and you won't earn interest.
- Libisema: 2
- Are you sure? That's a pretty small purchase. You should use a debit card
- I'll pay with my credit card.
- Yep, A credit card is basically a small loan from the bank. You are borrowing money from your credit card provider and must pay it back over time or immediately if you have the money. A debit card is connected to your checking account, When you use it you're directly taking money from your account
- Wait there's a difference?
- Libisema: 3
- Hey dad, My credit card company is asking us to pay interest... I thought interest was the money banks gave us for having a saving account
- Well, Interest can go both ways. Good interest is something like the bank putting money in your saving account. While bad interest is stuff like having to pay interest on loans and credit cards
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