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My credit cards are each an account that I transfer money to each month. Most of my purchases go on one of my cards and then get paid off each month. CC transactions match that CC account and a category like Expenses:Auto:Gas.

My checking account is pretty much just account "transfers" and an occasional transfer to my "Cash in Wallet" account for ATM withdrawals.



Hmm. Treating cards this way feels promising. Might even have the advantage of making you feel each purchase twice.




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