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[quote=Anonymous]I don't know that I think any of these are hacks, but I agree on YNAB. Otherwise I just have cash back CCs - that way I don't waste points by not using them. And I get the cash back via direct deposit instead of applying it to the CC balance. I pay my cards in full every month, and in the few instances you get charged a CC fee - I don't pay by CC if I can avoid it. I pay by cash or check in those instances.[/quote]
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