This is an interesting alternative to shopping with a credit card (since I have no credit cards other than my Visa debit) or using paypal (because some people have horror stories), you can use ebillme. I heard about it when I clicked a link for buy.com coupons. Apparently, the way it works is you make your online purchase utilizing your bank account. Only, via an intermediary. So you make your purchase and an invoice is emailed to you, then you log into your bank account to pay the bill. This cuts down on you earning interest on your credit card from that Monday morning hate-to-be-back-at-work impulse buy, and enables you to spend cash… electronically.

I think it’s a good idea. I’ll keep it in mind when I’m back in Christmas shopping mode, which usually kicks in during the month of August.

Have any of you used this? I’d love to hear about your experience.

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