Yeah, I’ve tried working my money different ways, and found a system that works for me. I think it’s worth losing out on the benefits to have less things to keep track of.
No, because if I use the credit card issued by my bank, I have to remember to pay it back. The bill doesn’t appear the same day, so I have to check back a few days later. Just long enough to forget half the time. There is no automatic payoff, so I see it as a trap to charge interest from me.