Keeping Track of Credit Card Purchases

RE: Keeping Track of Credit Card Purchases Post By Diana (Guest Post) (05/24/2006) Why not use a debit card that gives the same benefits use a visa check carad issued from my banks and get points when I use it as a credit card (no pin number entered but it is deducted from my checking account) RE: Keeping Track of Credit Card Purchases Post by mef1957 (225) | (05/23/2006) Profile | Blog! | Contact I also do this with my credit card. The only reason I even use it is because it's a Disney card that earns points towards Disney dollars. I use it for everything I can - gas, groceries, home improvements, every purchase possible, utilities (phone, cable), insurance and even medical payments - to earn the points, but I write each and every transaction into my checkbook register as if it is a check or debit purchase. To separate it from other transactions, I enter it as DIS and do all those entries in red. When time comes for the bill to be paid I can reconcile the transactions against my statements easily because all the transactions are in red, the money to pay the full balance is already accounted for so I pay the balance off and I NEVER carry a balance .. all this plus I'm earning points toward our Disney vacation this summer that can be used toward our hotel or park tickets among other things!! Tip: Keeping Track of Debit Purchases Post by ThriftyFun (4042) | (05/15/2006) Profile | Blog! | Contact I am sure a lot of people have trouble with making note of using a debit or credit card - (My husband does.) I like to put a post-it note on my card(s) and note the date and amount on the note so I can transfer it to my checkbook later. (The new super sticky ones are really good for this.) By Pam from L.A., CA Responses: RE: Keeping Track of Debit Purchases 05/15/2006 A debit card is not as secure as a credit card. If you have a choice and need two credit cards, one for charges you are going to pay off at the end of the month and those that you pay a monthly fee that is the way to go. I realize what works for one, does not work for everyone. By Syd (Guest Post) RE: Keeping Track of Debit Purchases 05/15/2006 What I do to keep track of debit purchases is keep all my receipts in a pencil bag with my debit card and every time I use my card. I add my receipts to the bag along with my card and at night I post all totals to my monthly spending template on the appropriate date. By Frances (Guest Post) RE: Keeping Track of Debit Purchases 05/18/2006 I grew up in the age of writing checks. I rarely do anymore, so I only keep a few in my wallet, but, I still keep a check "register" in there. When I use my debit card, I just write the store, the date and the amount, like it's a check, but write debit in the check number space. That way I have a place to keep a running balance - adding deposits - deducting debits and checks. I never forget to write it down, but keep the receipts in there with the register, just in case. So, if the receipt gets lost I don't have to worry about what the amount was and I know AT ALL TIMES how much money I SHOULD have in the bank. My ex-husband used to think that if the ATM said we had money, we had money! Thank God I don't have to deal with that anymore. By LynnT (Guest Post)