I use my debit card which is just like using cash......the money comes out of my account immediately so it is my way of keeping track of my spending. My debit card can be used as a credit card, but use it only for amounts over $500. I write checks if I need to get some money into my account before the check can be cashed.

I had so much problems with my husband & credit cards......we no longer have a credit card & will never again have one.