this post was submitted on 23 Aug 2023
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I do the first and it's great. I don't have a fixed length of time to wait, but generally I try to wait at least a few days for anything "big." A lot of the time, I realize I don't want/need it, so I save that money for something better.
For your second point, I just use an account aggregator so it'll pull in all the transactions I made across accounts. So to know how much I spent, I don't need to care which card I used, it'll pull it all in.