I rarely carry any cash or use an ATM
I write a check out for church weekly...our lawn guy doesn't take a credit card, so he gets a check once a month and I write out a check to pay our real estate taxes, beyond that everything hits a credit card that gives me 2% back. At the grocery I use a different credit card that gives me 6%. I do allow the water bill to be taken out of the checking account, (but no one else) only because they wouldn't take a credit card at the time
then I pay everything with bill payer
all part of trying make things simpler
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