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I allot a specific amount each paycheck for things like food, gas, etc. (labeled BUDGET), and I am now using a cash-back credit card to pay for these things.

To ensure that I have the money to pay for what I charge and am not overspending, I deduct the amount from the BUDGET column and add it to the credit card column on a daily basis. (I'm very high tech about this-I use a post-it in my checkbook.) That way I always know where I stand with my budget allotment for the pay period and also know that I have the money set aside to pay the credit card bill.

Hope this helps!
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