Using your EF as a capitalized checking account that you reimburse or as a never touch it unless there's an emergency account, does not matter.
It reminds me of trying to loose weight. I've lost 12lbs since jan. 1. I vowed not to eat pastries, chips, cookies, drink beer at the golf course or any regular pop this year. In addition, I try to limit my food intake a little.
The point is, like with my EF, The don'ts, help me advoid calories in a lot of situations. Thus, 12lbs lighter.
Some people set a limit for what they will use their EF for and some just use it and replenish it. Both systems can work.
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