Credit card ?

[shmike]

Originally Posted by Porkchop

$3,000??? I don't even MAKE fucking $3,000 in a month. Jesus. I mean I pull a lot of stuff straight from my bank card rather than to the cc. But even if I wouldn't my cc bill would only be about $350-$450 .

Welcome to the world of grown-ups.

$350-$450 wouldn't fill my truck with gas for a month let alone my wife's car, bike, lawn mower, etc.

I'm with Faster, we have nearly $2k a month hitting our cc in recurring charges before the card ever leaves my wallet!

[shmike]

Originally Posted by Homeslice

I guess living in the South has its benefits, what's your mortgage, only $1500/mo?

You mean bi-weekly?

[Homeslice]

Originally Posted by shmike

You mean bi-weekly?

OK, well, 3,000 sq ft? Nice lawn? You pay to play.

Also, 2 people sharing a card is a different story, and wasn't my original line of thought.

[shmike]

Originally Posted by Homeslice

Also, 2 people sharing a card is a different story.

This is true.

Of course I was spending that when I was single but I was buying race tires and hotel rooms instead of diapers and furnishings.

[LeeNetworX]

Originally Posted by Homeslice

I guess living in the South has its benefits, what's your mortgage, only $1500/mo?

Also I an accustomed to large employers, they don't want you using your personal card, it's against policy. Why would they go to the trouble of issuing corporate cards and creating an intranet portal that automatically uploads your charges onto a T&E form if you're not going to use it?

Depends on the employer. I've worked for large companies that didn't care if you used company Amex cards or your own and I've also worked for companies that insisted.

Current employer has over 10,000 employees and they don't care. Typically only director level and higher bothers to get company Amex because they can easily amass large bills for team events, etc.

[Cutty72]

Originally Posted by shmike

Welcome to the world of grown-ups.

$350-$450 wouldn't fill my truck with gas for a month let alone my wife's car, bike, lawn mower, etc.

I'm with Faster, we have nearly $2k a month hitting our cc in recurring charges before the card ever leaves my wallet!

Yep, I was in the same boat before the move. Now with the shorter commute it's not as bad, I get by with about $300/month in gas/diesel for myself.

[fasternyou929]

Originally Posted by Homeslice

I guess living in the South has its benefits, what's your mortgage, only $1500/mo?

I forgot anybody that lives outside Kalifornia lives in a shanty and makes minimum wage.

Kidding aside, no, it's significantly more than that.

Originally Posted by Homeslice

Also I an accustomed to large employers, they don't want you using your personal card, it's against policy. Why would they go to the trouble of issuing corporate cards and creating an intranet portal that automatically uploads your charges onto a T&E form if you're not going to use it?

I haven't worked for a small company since 2002 but have used my personal card with all of them.

Originally Posted by Homeslice

OK, well, 3,000 sq ft? Nice lawn? You pay to play.

More space than that, and definitely a nice, private lawn. No sense living outside the city if you're not going to capitalize on the perks.

Originally Posted by Homeslice

Also, 2 people sharing a card is a different story, and wasn't my original line of thought.

Same as shmike for me here; my spending habits have changed but I spent the same amount before we all grew up and became parents. Track days alone were about a $2k-$2500 per month habit during riding season. Throw in a few other hobbies, big vacations, and money goes fast.

[Porkchop]

Originally Posted by shmike

Welcome to the world of grown-ups.

$350-$450 wouldn't fill my truck with gas for a month let alone my wife's car, bike, lawn mower, etc.

I'm with Faster, we have nearly $2k a month hitting our cc in recurring charges before the card ever leaves my wallet!

Part of me says that's your fault for having a vehicle that sucks that much gas... . Mower gas? How much lawn do you have... because I know our three acres may take 5-7 gallons a month, nothing that I would see substantially bumping your card.

But I guess if I look at it thoroughly, I don't have recurring charges coming from my cc's. My recurring charges come from my bank card. So add ~ $1050 on top of that.

[shmike]

Originally Posted by Porkchop

Part of me says that's your fault for having a vehicle that sucks that much gas... . Mower gas? How much lawn do you have... because I know our three acres may take 5-7 gallons a month, nothing that I would see substantially bumping your card.

I'm not looking for sympathy, just stating the facts. My fuel bill is less than half of what it once was but normal commuting, a few weekend trips and a trackday or two keeps me around the $4-500 mark.

I just threw the mower in there for laughs. I have a normal suburban yard. Since we fired the lawn guy, the mower can usually get by on whatever is left in my "track" tank.

I had a rental car recently that got great mileage. Filling a tank for $35 was nice but pulling 9k lbs would be tough.

Originally Posted by Porkchop

But I guess if I look at it thoroughly, I don't have recurring charges coming from my cc's. My recurring charges come from my bank card. So add ~ $1050 on top of that.

See? On <$3k a month your "plastic" charges are about $1500. To each their own, but if you are diligent enough to not abuse a cc, I'd seriously consider moving those bank card charges to credit, for a number of reasons.

[Porkchop]

Originally Posted by shmike

I had a rental car recently that got great mileage. Filling a tank for $35 was nice but pulling 9k lbs would be tough.

Most likely would be tough. Mine can pull a single motorcycle/waverunner/light camper, but that's about it. But I can still fill up for $35 and get 36 on the highway.

Originally Posted by shmike

See? On <$3k a month your "plastic" charges are about $1500. To each their own, but if you are diligent enough to not abuse a cc, I'd seriously consider moving those bank card charges to credit, for a number of reasons.

I never really consider fixed stuff as a plastic charge though, it's straight form my bank on auto pay. I'm getting 1/2 mortgage, 2 vehicle payments, 2 insurance, AEP and cable/int in there. But I see what you mean. Other than the boost in cash back, what benefits would there be???