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We pay all major expenses with credit cards, to take advantage of both % back and frequent flier miles offered, including mortgage, car payments, and all utilities, which are then completely paid off at the end of the month. Because of this, we end up making money on the credit cards, and haven't actually bought a plane ticket in some two years.
We each have a separate card from the "big expense" care we share, and that one is used for personal expenses, ie mostly comic books, cartoons, and related toys for me, and I'll allow my balance to float up to, say a couple hundred dollars before I start to get antsy and pay more than the standard payment. I treat this as a fixed payment, ie, I pay the same each month regardless of balance, and pay it off completely and put the extra into savings if it's less than that.
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I'm against ending blackness. I believe that everyone has a right to be black, it's a choice, and I support that.
~Steven Colbert
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