I have everything paid automatically on credit cards which then automatically pays from my checking account. I check for fraudulent charges once a quarter by logging into my accounts and browsing all my statements. There's no need for spreadsheets because my credit card statement keeps track of it all.
Why this works for me. I naturally keep track of my money in my head and never spend more than I earn. If my checking account gets too high, I transfer the money elsewhere o I keep my spending down because this lower account amount limits how much I can pay for with credit cards.
Why this works for me. I naturally keep track of my money in my head and never spend more than I earn. If my checking account gets too high, I transfer the money elsewhere o I keep my spending down because this lower account amount limits how much I can pay for with credit cards.
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