Always use a DEBIT card instead of a credit card. It is tied to your checking account and you can never overspend what you do not have.

Also, if you are on Social Security Disability, establish a special checking account into which your Social Security payments will be directly deposited. Many banks now offer this service abolutely free of charge. Make sure that this is NOT an interest bearing account and never deposit funds from any other source other than Social Security into it.

The law states that Social Security funds can never ever be touched by any bill collectors so they can never attach or sieze this account. The Social Security disability payment is much higher than the standard benefit, so you should be able to get by with your basic necessities.
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