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Henry Ford had a point when he said, "If money is your hope for independence you will never have it. The only real security that a man will have in this world is a reserve of knowledge, experience, and ability."

If you are a self-proclaimed fashionista, a suave metrosexual, or just someone who needs help, there is a way to control your spending. One avenue is prepaid debit cards. Sure, we have heard all the pros and cons about a particular card. Yet, where is our perfect card? Surely there are better alternatives to Paypal, Western Union, MoneyGram and RushCard, right? Yes, the Vision Premier Prepaid Visa Card. This is a valuable prepaid Visa card meant to help you with financial stability.

Sponsored by PreCash, the Vision Premier is worth a try. Unfortunately, you do need a bank account in order to receive free direct deposit. If you do not have a bank account, you can use PreCash retailers, Western Union, MoneyGram, and PayXone (Ace Cash Express). To find a PayXone near you, either click the link provided in the FAQs or call 1-800-207-1805. Of course, these services do charge service fees.

However, this small sacrifice does not compare to the card's other treats. As a smart and trendy shopper, you strive to buy inexpensive yet superior products. It is even better when you find several steals. Will you have a problem going over your spending balance with this card? No, because it has free, unlimited purchase transactions!

Along with spending freedom, you have the choice to receive free account alerts either by email or SMS text messages. This way you can see how much you spent and reload as needed. There are no restrictions on what you use your card for, so you can use the Vision Premier for anything, even bills. After taking advantage of all these perks, you can load cash at over 100,000 participating retail locations.

Sometimes going solo on a shopping mission can be depressing. How to prevent this from happening? Simply add an additional Vision Card for a family member or a friend. While you're at it, take advantage of the Refer-a-Friend program. Refer two new members and receive $10 loaded on your Vision Card. Your referrals are encouraged to load and activate their cards within 30 days so you'll be credited for recruiting. Comes in handy when you have over 300 friends on MySpace! Spread the wealth! (4.5/5)

Learn more about this author, Lakish Campbell.
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