-
for bills, is having it on autopay with the biller superior to using it manually to pay that biller? I prefer to manually manage all that as I have for years but I figure its beneficial to get that on a credit card and just make sure its paid off. I already basically use a bills bank account to do essentially this manually
-
only purchase what I already have set aside/budgeted for and can payoff before the grace period
-
anything else?


What are the best other tools or approaches that are staple here?