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In response to "YNAB preaches the envelope method. I don't know that I need to pay for this as I categorize spending by different credit cards, one, and two" by loaner machine mandy

putting everything on Discover for the cash rebate has been good and bad

good in that i have a better sense of what my monthly spending number is when i have to pay the Discover bill

bad in that i'm much more free about pulling it out for non-essential things because "oh, i'm earning 1% cash back, why not"


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