Great question and you have to think about value for money. So use your money wisely and buy tcredits as your standing order, these are like cash which you can accumulate over 12 months and use again to buy things or even bid, and if bidding your Mrpss will also grow and these too convert to spendable credits. So even though this is a short answer, Tcredits will no doubt be the best standing order for the financially challenged and for those not challenged by finances. Good Luck with it