Alva Review-Courier -

Inflation, recession, hacking and spamming: so much to consider. Electronic transactions have become a key part of our financial environment but we must all use caution. The convenience and rewards from a credit card make it tempting to rely on them totally and has led to an average debt of $7,951 in this country.

Credit counseling is available but many people have reverted to a cash economy and even tech-savvy spenders are turning to cash on hand for emergencies. An article in the Wall Street Journal says that in their opinion, “It is essential to have some cash for unforeseen situations, but...