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I am paying off my last CC, and each month when I make my payment (more than the minimum, of course) I send in my budgeted amount for gas, groceries and personal care stuff. Then, I charge my groceries, gas and personal care stuff on that card.

Congrats on getting close to paying off your last credit card! Be sure and post when you do and we'll all celebrate.

Does your bank provide check cards? I have a Visa check card that is used as a credit (rather than debit) card. That way I can conveniently pay for gas, groceries, and household items without having to worry about interest charges. There's no charge for my check card either, and we order fewer checks now too.

The key to using a check card is to record each transaction in your checkbook as if you had just written a check. Otherwise you might risk bouncing checks if you forgot to write down a purchase.

I've stopped carrying my credit cards in favor of the check card. In case of emergency (flat tire for example) my checking account is backed up by free overdraft protection to a line of credit that I have through my financial institution, although I've never had to use it for an overdraft.

My wife and I have used the check card for over two years and have loved it. If you're going to pay off your CC from month to month, there's little difference between a no annual fee CC and a check card, though.

Congrats again,
Makatak
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