We always have cash on hand just in case ,for emergencies if power goes down, etc., we have all our cc's, utilities, insurance and all other recurring payments on auto pay--no balances ever kept--another thing we do is we buy gas cards when ever we are traveling out of the area--we use a cc that gives use 5% cash back for gas + another gas card that gives us 5Cents off per gal--no chance of getting skimmed, which are very prevalent off of an interstate
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