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[quote=Anonymous][quote=Anonymous][quote=Anonymous]For those who charge monthly expenses and pay off every month, how do you ensure that you have enough to pay it off every month?
 Do you not carry your debit card and pay cash only?

Do you pay the bill all at once, or do you make several payments to your credit during the month?

I worry that psychologically, I would see the high checking balance, and think that we have more to spend than we do. [/quote]

[b]I think this strategy only works when you have a large margin of error and generally spend less than you bring in per month.[/b]  I keep my checking account pretty high, and it's rare that we spend the same as what we make.  So we are able to pay it off every month, all at once (although I have had to stagger the bills' due dates so they aren't all hitting in the beginning of the month.[/quote]

Not necessarily - I've always paid off my credit cards every month.  When I was a student with very little income and now, when I have a great income.  It's really just about self control and knowing what you have.  And obviously I spend less than they bring in per month.

I think that people who have a propensity to go into credit card debt should switch to using cash only - not even debit cards b/c they can get overdrawn with those.  If you are using only cash, then  you are forced to spend only what you have.  [/quote]

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