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In response to "Why is your second card not convenient? -- nm" by Andie

It expires in November. It's issued by my credit union so I get a little leery using it since they probably can just gank funds from checking if they

felt like it. It also has a carried balance.

In the modern times of Qale, I've been budgeting using You Need a Budget so any new spending on credit card is ACTUALLY represented by real life cash that I can pay the balance at any time.

While I can accomplish the same with the carried balance card, it won't emotionally feel like I'm doing it right, I think?


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