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I used the poor to defeat the poor
(lemmy.world)
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this post was submitted on 23 Oct 2023
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What I do to make sure I’m staying in budget is pay the cards off every week. Gives time for transactions to post and ensures the card never holds a higher balance than I can pay off before interest is added.
I’ve gotten automatic credit line increases over the years, so the amount I can charge is roughly 4x the max I ever have in the bank, but the weekly payoff strategy makes it basically the same as using debit, except with cash back perks.