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With an ever-increasing load on our daily 'to do' lists, convenience is becoming increasingly important in this day and age. Luckily, there a number of tools at our disposal to make our financial lives easier.

For a start, just receiving your credit card statements via email rather than snail-mail means that you have quick access to your statement details without having to wait for Mr Postman to drop by, or running the risk of a nosy next door neighbour sneaking a peek at your details. An added bonus: you're doing your bit for the environment by saving a tree or two. It never hurts to be green!

Transacting online is a convenient, quick and simple way to shop, as well as to monitor or conduct your finances. No need to leave that couch, lawn chair, or hammock… all you need is access to the internet and you're good to go. Paying your bills, sending money to your loved ones, shopping and viewing your transactional history all online is a sure way to keep track of your spending, leaving you more quality time to do the things you love.

Debit orders are another handy tool. It's comforting to know that at the end of the month your bills are paid on time, ensuring no extra charges. That's one more "to do" crossed off your list.

It will be interesting to see how much more convenience will be added to our financial lives in the coming years. Just a glance at the innovation that will be within reach in the next decade is exciting: paying for goods using a cellphone at till points is already on the radar. Maybe shopping with your finger print? Perhaps, we'll merely have to think about paying an account for the transaction to be done. Sound a little farfetched? Maybe it is, and maybe it isn't... only time will tell.

To enjoy convenience on your Virgin Money Credit Card, call us to get a card, switch to e-statements or organise debit orders on your account. Remember, you enjoy free internet banking just for being part of the family.