Directo paycards provide smart spending tools for the holidays and beyond.

This holiday season, Americans are backing away from credit cards and have even brought back layaway, as heavily advertised by Sears and K-Mart. For Directo customers, smart spending means using their Directocash card or their Directoplus Visa debit card to keep their money safe, while giving them 24/7 access to their hard-earned money, and keeping down costs by tracking balances with online tools and cellphone text balance inquiries.

One Directo customer, Mary, an account manager for a North Carolina manufacturer, told us that since opening her Directo account she has finally been able to save for Christmas. Cash just seems to vanish, she told us, and it's easier to control spending when money is in an account. Directo is grateful for customers like Mary, who spread the word about smart money management with Directo.