I feel I should get rid of them or stop using them but most have good benefits so I am unsure what I should do. I tried using YNAB but it isn’t how I think about money. I really need to stick to my budget but with my partner and child I feel money is constantly flowing out.

  • Sams card great for Sams and gas. Free. Only use for the above.
  • PNC unlim good all around and free.
  • Older PNC card, told not to cancel because it is free for my credit. Only pay utils on it. Not worried about this one.
  • Amazon card, 5% discount on amazon for family essentials, free.
  • Amex, 95$, good all around, and great customer support.

I’m thinking I should possible cancel Amex and Amazon because they easily add up, then focus on just using my main PNC unlim card. Thoughts on this?

The Amazon discount and Amex purchase protection are both nice but having more than one with so many purchases as a family is stressful.

I don’t see any reason to cancel the old PNC card or Sams card. Use around 100$ a month on them.

  • RaoulDook@lemmy.worldEnglish
    6·
    2 days ago

    #1 - don’t use a bunch of credit cards, pay them off ASAP as credit card balance is a weight that grows as it drags you down

    #2 - if you choose to use credit for spending due to card benefits, pay them off monthly and don’t carry any balance if possible

    #3 - use a calendar app with bill due date reminders to keep up with them

    • ocean@lemmy.selfhostcat.comOPEnglish
      2·
      2 days ago

      Luckily I have zero debt on any of them and auto pay the balance. Just have trouble budgeting with multiple streams and it results in zero cash after income then bills. I know I have room to save but struggle recently

      Good rules to follow! Thanks