Phil Cook wrote:

> 
> Eh? You mean where I monitor bills and credit card statements as one  
> combined outgoing prior to payment dates and ensure that funds exist  
> within the bank account to deal with them in advance such that going on  
> holiday for a fortnight and not being able to get to the bills doesn't  
> mean me returning to invoice plus reminder plus reminder plus 
> threatening  letter; that sort of maturity?

Yep.


> 
> That's the bizarreness so you buy something on CC for $40 then when it  
> comes to pay you send them $50 so you have positive $10? The only way I  
> see this as a good thing is if the credit card pays interest on the  
> amount, which I know some do, but in that instance they wouldn't be  
> refunding it to you so why do it?
> 

More like: keep +$400 in the account.  I know I'm going to go down to 
Circuit City to buy a $59 router.  So I transfer $60 in before I go. 
While I'm there I remember I needed some toner for the printer. $70.  So 
I pickup the router and the toner on the card.  I come home.  No 
worries, the router and the toner is covered, so is the $40 of groceries 
and $75 gas that I charged and for got about.  In a coupla weeks I 
notice all the activity warnings in the bank folder on my e-mail and I'm 
waiting for a scene to render anyway, so I pop a couple open and notice 
that my +ve balance is down to +$316.  I check the activity and see all 
is okay.  I post transfer of say, $100, into the account. Meanwhile the 
recurring topup charge I set up for my daughter's cell phone is never 
going to fail.

I'll admit that maybe it's bizarre but what am I *so* guilty of?  Maybe 
of being a bit neurotic, maybe of just thinking in a different way? It 
keeps the money more tangible to me. The monthly due-date lockstep just 
trips me up that's all.

-Jim

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