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I used the poor to defeat the poor (lemmy.world)

submitted 11 months ago by Stamets to c/[email protected]

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[–] [email protected] 4 points 11 months ago

What I do to make sure I’m staying in budget is pay the cards off every week. Gives time for transactions to post and ensures the card never holds a higher balance than I can pay off before interest is added.

I’ve gotten automatic credit line increases over the years, so the amount I can charge is roughly 4x the max I ever have in the bank, but the weekly payoff strategy makes it basically the same as using debit, except with cash back perks.