[boefixepa]

Also just a note....and I now those anti-cc people out there will role their eyes....but if you need the money this instant and it's in the online saving that gets a decent rate charge it, get the cash back reward, transfer the money before the bill's due and pay it off.

1. You have the CC with you generally - at least I do
2. You get another month of interest from the online place
3. You get the rewards or points
4. You don't have to stress...

At least I don't...That's what I do....so far no big emergency...but I do keep at least 2.5K in my checking so if I needed cash for some odd reason it's there....but I never carry cash.