I agree with Rebecca to a degree. I also pay my credit cards, yes cards, monthly. One is rewarding me with a % 5 on drugstore purchases, another 5% on gasoline purchases, a third %5 on restaurant purchases. The only problem is that she and I have learned to keep the expenses within control. Unfortunately many humans have not learned the basic questions.
1 do I need it or want it.
2 can I afford to pay for it this month.
I take issue with your first suggestion of paying ourself first. First needs to come following the law of the tithe. This will help you reorganize your spending habits to include savings, only after tithing.
A great way to save money everyday forever is with a Hand Held Bidet Sprayer. The Bidet Sprayer will pay for itself many times over in toilet paper savings which makes this a very smart and green thing to do while providing superior hygiene at the same time! See www.bathroomsprayers.com .
My credit card is paid off in full every month. I use it because I get up to 3% back on certain purchases - which is a better interest rate than a savings account offers these days. So, leaving it at home is not always a good idea!
Enjoyed this post. Lots of good advice. If readers need a simple free spreadsheet to draw up a budget then check out my own post on how to draw up a budget. You can get it here https://www.winterwisdom.com/simple-household-budget-master-your-finances
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