Life is a struggle at times to make ends meet I don't own a credit card either and would never have one I save and save if I need something and pay for it with money.
You don't need a credit card to transfer money from your bank to another bank account, the bank does that for you when you have the other persons details.
When I send money to my doggie charity I send it by money order that way I get a receipt for payment and if it goes missing in the mail no one else can cash that money order other than who it is made out to and you have to have identification to cash a money order by show of license or other proof with your name on it.
You have all the answers within yourself about the question you asked you are the only one who know's what you want to do, your energies are scattered at the moment you need to calm down, ground yourself, make a quiet time for yourself meditate and go within and ask your guides for any help you need.
If you want other work put it out to the Universe they put in their 50% if you do your 50% by sending off resumes to different places, looking all the time for new jobs, what ever comes along for you any way is meant to be at the end of the week all the matters is the pay cheque.
I did any work when I was left to bring up my two kids I cleaned houses, I ironed other peoples clothes for a pittance, I worked as a waitress, in shops, anything to keep a ova our heads and food on the table for us so yes I know how tough life can be for a lot of people.
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