Both DH & my paycheck is direct deposited. Before I spend any money, I take care of my bills first; either by writing a check or doing an online payment. Once my bills are taken care of, I then decide what little money, if any, can be moved to my savings account (for emergencies), then and only then do I spend money and it is with my debt card. I have been doing this for almost 4 years and it has worked great! And the best part is no bills at the end of the month. I will never get another credit card again!! Cash is so much friendlier, lol
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How to convert to cash only and changing habits?
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