Casual is the norm nowadays in almost everything. The question is: can casual and business stack up to a profitable business? One test of this is the debit card. The debit card is a favorite to millions of checking account holders. This casual little piece of plastic simplifies life and thus reduces stress. My question is: does it reduce stress in business?

Using structure to take care of your money is a time-tested way to make sure that payroll goes off without a hitch and late fees are avoided. Here are a few snags that the debit card can create when attempting to create a system for your money management:

• Using a debit card casually as the days tick by creates a casualness that becomes into a pile of questions when it comes to pulling together a profit and loss for your venture.
• Using a debit card casually as the fun of running a business happens inks a bright red number on your budget to actual report--the core of a profitable business.

While I cannot discount the time savings of a debit card, nor can I depreciate the simplicity of it, using it for business can wreak havoc on cash flow and budgets. And while that may not single-handedly ruin a business, chances are that the casual use of debit card could drain the cash right out of a business thus lowering its chance of survival.

Please share your comments, thoughts, and strategies for business debit card use.