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I had an idea last night that made me feel stupid for not having it a decade ago. More than a decade, actually.

I have monthly recurring visa payments. I have a ballpark idea of what they'll be every month. I have the luxury of being able to afford them. So ... I should just sum them up and add an automated payment from my bank. DUH.

Then the only time I need to pay down my visa is from the non-recurring charges.

(I've just been manually sorting it out until now...)


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