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Jan 30, 2025
3:52:18pm
Junior Deputy All-American
Our solution for this: we have a few checking accounts that get loaded every two
weeks with money for living expenses and whatnot.

We still put most purchases on a credit card for the free money (usually our Costco card), but when we make a purchase we immediately transfer the amount of the purchase from the relevant checking account to another account which is used exclusively for paying off the credit card.

It adds a step but allows us to take advantage of CC cash back without subconsciously spending more than we would with a debit card.
Junior Deputy
Previous username
shakinbaker
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Junior Deputy
Joined
Aug 13, 2008
Last login
Feb 23, 2025
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12,109 (12 FO)
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