A lot of hobbies are easy to bring into cocktail conversation – nobody can blame you for loving snow skiing, wine tasting and ocean cruising, for example. And some avocations are better when you share them with the world – like gourmet cooking, magic tricks and yodeling.
But there’s something else you could be exposing in your pursuit of hobbies that you won’t find nearly as amusing – your credit card information.
When You Pay to Play, But the Website is Gray
Perhaps your personal payment profile is safe with the Daughters of the American Revolution or the Soil Science Society. But can you bank on that?
It’s something you have to think about every time money changes hands, and for some hobbies you have to pony up some serious cash. Blogger Alan Arnette does the math every year so we all know just how much we need in order to climb Mount Everest:
- Climbing gear is at least $7,000
- You need 5 bottles of oxygen, totaling $2,750
- Then there is a Sherpa to carry it for $2,000
- Miscellaneous items bring the tally for your quest to $30,000-$45,000 out the door
But, whether you’re ready to order your climbing pass (maybe just Mt. Whitney this year) or buying gear for your next Civil War reenactment, you want secure spending. You’ll be sweating enough in the heavy wool (the blue or the gray) – you don’t need to worry that your bank accounts are getting cleaned out by thieves.
With a MOVO account you can create a one time use debit card account called MovoCoin and release the stress of exposing any of your main accounts (save the drama for your battlefield role-playing). You use it once and – poof – the card balance is number is depleted and there’s no danger of your account number being hijacked and reused.
Sometimes the thinly-veiled separation between a hobby and a job is difficult to detect. But in some cases (like the difference between Robin Thicke’s “Blurred Lines” and Marvin Gaye’s “Got to Give it Up,”) the evidence is clear.
There are crafters and other hobbyists who’ve turned their favorite pastimes into big business. Take Yankee Candle, for instance. When he was just a teenager, Michael Kittredge of Massachusetts made a candle for his mother out of melted crayons, which a friend offered to buy. What began as a school-aged hobby later became a billion-dollar business.
It doesn’t always work that way, of course. But there’s value in practicing a favorite sideline, even when it doesn’t add up to dollars and cents.
Let’s say your hobby is jewelry-making and to pay for it you rent a booth in some boutiques to sell some of it. But imagine that it doesn’t work and, instead, it costs you a total of $960.
Sound depressing? It shouldn’t. If you spend the whole year creating and selling jewelry, you can chalk it up to a relatively inexpensive hobby, at just $80 a month. (Imagine what amateur pilots pay for fun.)
Sadly, Honesty Is Not Always the Policy – Protect Yourself
Your hobby doesn’t have to involve picking a lock or hiding a body to be a threat to you. The scariest feature may be what your club treasurer does with your bank account information.
Your rock hound friends at Geology Club seem honest enough. But have you ever thought about how many groups, supply stores and meetups have your debit card saved?
Every transaction has risks, and many of us have a false sense of security when we punch in the numbers on our bank card to be a part of online groups such as bookstores, wine clubs and dating services.
What would happen if Ancestry got hacked? (Doomsday, basically)
Whether your hobbies involve tweeting or meeting, you expose your personal bank account to strangers when you sign up. But you don’t have to take those kinds of chances.
Buy an audiobook, rent a guitar or get some gardening tools with your MOVO app and create a MovoCoin for that purchase. Because you want to share your cat juggling skills with everybody … not your finances.