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Credit to debit

April 10th, 2007 at 03:35 am

Saving log - $4
Spending log - .65$ milk + 5.45 curry lunch

My busy season's winding down a bit. My boss is going to take me out to lunch Thursday, which was very appreciated - I'm at my last $60 from the previous paycheck.

Last night I started to move my small, monthly recurring charges (ISP, newspaper, Netflix - about $70) from my credit card to my debit card. Last night I moved my ISP bill. My goal is to just have the trainer on my credit card so I can better keep my deadbeat credit card status. 12% of 0$ is 0.

I also think that I need to have better control of those little charges. Its so easy to keep those little things "out of sight-out of mind" on the credit card where they somehow breed and turn into things that you'll want, can't always justify, and get pissy at someone if they suggest you get rid of them.

If the charges are on the debit card, which I watch like a hawk, then I really think about them each month.

Posted in Workplace, Philosophy | 2 Comments »

2 Responses to “Credit to debit”

  1. Carolina Bound Says:
    April 10th, 2007 at 10:43 am 1176201836
    1176201836

    Smart move. I have some recurring charges on my Discover card, which I pay off every month, but you're right -- it would really make you think about it when it comes out of your checking account.

  2. HouseHopeful Says:
    April 10th, 2007 at 05:29 pm 1176226183
    1176226183

    Moving from credit to debit sounds like a great plan! I currently leave the auto billed ones (like Netflix) on my Amex & pay them off monthly. But I'm thinking of switching to debit too. It might help me be more accountable for the 'smaller luxeries'. Oh, and you have a nice boss if they're taking you out to lunch! Enjoy!

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