I have an emergency savings account equal to about 3 months of expenses.
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So my monthly credit card bills are automatically paid from the emergency savings account.
I like the little cashback bonuses. I like how the monthly bill lets me review how I spent money that month.
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Message Thread
 Do you use a credit card? Do you ever have any debt on it? - Ken C January 1, 2026, 11:56 pm
- I believe in Ramsey's approach, but I think his presentation is somewhat harsh - BornToFarm January 2, 2026, 9:54 am
- I use a card for everything. I haven't paid interest on a credit card in over 25 years. - KR January 2, 2026, 8:09 am
- Not too much. Only for convenience. And rarely on line. - GOG January 2, 2026, 7:59 am
- Yes, frequently. No, never.
 - 7:77 January 2, 2026, 7:45 am
- Most of the time, but never accumulate debt. Use the "float" - Mugwump January 2, 2026, 6:25 am
- I have an emergency savings account equal to about 3 months of expenses. - Ken C January 2, 2026, 8:13 am
- yes - trish January 2, 2026, 4:31 am
- Most people don't cut up and throw away their cars after one car accident, - Ken C January 2, 2026, 12:01 am
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