Quote Originally Posted by DebtNinja View Post
That's genius!



Yes sometimes it can be tricky. I started using paypal as an alternative to a credit card online. I think I just need to pay closer attention and check the charges every week or month instead of every few months.

Also, check to see if any place you go often has a phone app that gets you some sort of discount for using it. There is a fast food place called Sonic, in the US, and you get half-price drinks and quite often free things, by using the app. Convenient and thrifty!


If you spend that Paypal money, it needs to be an on-budget account, and reconciled in your YNAB or whatever you use to track money.