Using your credit card for everything is a great way to find yourself deeply in debt. It's (intentionally!) easy to overspend when using a credit card, and end

Using your credit card for everything is a great way to find yourself deeply in debt. It's (intentionally!) easy to overspend when using a credit card, and end up carrying a balance. This is why I have a second checking account that I transfer money to from my primary checking every few days to match the current credit card balance. That way, my primary checking always contains money free of credit card obligation. (Obviously, I then pay off the statement balance from this account every month.)