Use your card for all or most of your purchases — or take your time and only use your card
for occasional expenses.
If you've paid off your mortgage, open a home equity line of credit (HELOC) and use it
for occasional expenses that you'll pay off the following month.
Getting the routine monthly bills under control can be manageable since you know what to expect, but it is easy to overlook
those occasional expenses that don't follow a regular monthly billing schedule.
They can help you establish a budget that includes your ongoing monthly expenses, as well as
the occasional expenses, such as car repairs and clothing.
Not using a credit card helps you to better manage your money and establish savings for
the occasional expenses, like gifts and car repairs.
So, if you don't learn to do it yourself, plan for
an occasional expense at the neighborhood grooming shop.
Create another non-emergency account to save money for predictable,
occasional expenses such as insurance, taxes and home and vehicle maintenance.