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Jan 30, 2025
4:09
:24
pm
FlyingTokoro
3rd String
Good solution but why not just use a budgeting app that does it automatically.
YNAB will do that automatically without the hassle of having multiple bank accounts.
This message has been modified
Originally posted on Jan 30, 2025 at 4:09:24pm
Message modified by FlyingTokoro on Jan 30, 2025 at 4:58:37pm
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FlyingTokoro
Bio page
FlyingTokoro
Joined
Sep 4, 2017
Last login
Feb 23, 2025
Total posts
267 (1 FO)
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Messages
Author
Time
I was curious if there was anything to back the premise that you spend more if
SBB
Jan 30, 3:01pm
NerdWallet had a better piece- it’s interesting because it matches CB
SBB
Jan 30, 3:02pm
I’ve seen research that says 7% increase in spending on average
coug92
Jan 30, 3:03pm
7% is less than I would guess- I’m not sure what the average % return would be
SBB
Jan 30, 3:04pm
This is why we only use the cc for gas. When we tried using it for everything, we overspent.
KingDave
Jan 30, 3:10pm
Why even bother with a cc for only gas?
fredetteaboutit13
Jan 30, 3:12pm
With the Costco Citi card, we get a few hundred dollars back a year
KingDave
Jan 30, 3:20pm
You spend $7500/year on gas?
Florwood
Jan 30, 5:21pm
We also spent a few thousand on plane tickets
KingDave
Jan 30, 5:30pm
there are very good reasons that many businesses offer convenient "autopay"
BYUFBDAD
Jan 30, 3:10pm
Here's the thing: if I didn't use a credit card, I'd use a debit card. Most of
TheNerd
Jan 30, 3:17pm
WAY safer to use a credit card, I don't ever use debit, I don't even carry it
BYUFBDAD
Jan 30, 3:21pm
Cash is limited to what you have on hand. It’s no different for most CBers tho.
blueaussie
Jan 30, 3:21pm
Our solution for this: we have a few checking accounts that get loaded every two
Junior Deputy
Jan 30, 3:52pm
I love that idea.
Allstate
Jan 30, 4:03pm
Good solution but why not just use a budgeting app that does it automatically.
FlyingTokoro
Jan 30, 4:09pm
Because I don’t have to take the time to set up a new program and give it access
Junior Deputy
Jan 30, 8:15pm
People who lack financial discipline spend more using a CC. No shame
Acorn
Jan 31, 7:14am
True, but percent of people w/ real financial discipline is less than you think
coug92
Jan 31, 8:28am
Percent doesn’t matter. There is a very small percent of people having the
Acorn
Jan 31, 11:56am
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