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Seeking advice. I'm having trouble handling monthly finances and week budgets with multiple credit cards. What should I do? (lemmy.selfhostcat.com)

submitted 1 day ago by [email protected] to c/[email protected]

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I feel I should get rid of them or stop using them but most have good benefits so I am unsure what I should do. I tried using YNAB but it isn't how I think about money. I really need to stick to my budget but with my partner and child I feel money is constantly flowing out.

Sams card great for Sams and gas. Free. Only use for the above.
PNC unlim good all around and free.
Older PNC card, told not to cancel because it is free for my credit. Only pay utils on it. Not worried about this one.
Amazon card, 5% discount on amazon for family essentials, free.
Amex, 95$, good all around, and great customer support.

I'm thinking I should possible cancel Amex and Amazon because they easily add up, then focus on just using my main PNC unlim card. Thoughts on this?

The Amazon discount and Amex purchase protection are both nice but having more than one with so many purchases as a family is stressful.

I don't see any reason to cancel the old PNC card or Sams card. Use around 100$ a month on them.

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[–] jeffw 5 points 1 day ago (1 children)

Is the concern managing too many cards or overspending because it’s easy to use a credit card?

[–] [email protected] 3 points 1 day ago (1 children)

I feel it’s a mix of both. I autopay in full each month but recently my income after paying last months CC bills is very little. I feel it would be easier to manage with only one card to look at.

[–] [email protected] 2 points 1 day ago

You can do this by either an excel sheet of transactions or by just going off the total payment(s).