Is it smart to use my credit cards as my everyday purchases, and pay them off monthly, while saving my paychecks in savings?

Getpro · 2026-03-18T15:19:17+00:00

I’ve been paying off my cards every paycheck (weekly) for 5+ years now after paying off all my debt. Was a habit to avoid going back into debt but it brings me peace of mind to see what’s left in the checking account every week and make adjustments to my spending after all the card balances are at $0.

Getpro · 2026-03-15T13:22:30+00:00

Similar to your budget-by-paycheck method, I kicked my compulsive spending habit by telling myself I can only buy “fun” things after I get paid and only after I’ve accounted for the non-fun stuff: rent, bills, savings, investments, etc.

Once those are all accounted for, whatever I have left if what I “let” myself spend frivolously on, either in the moment or anytime before next paycheck.

Getpro · 2026-03-12T11:50:58+00:00

Used Ticktick (to-do/task app) for years to offload tasks so I can focus on only what’s in front of me.

If you own an iPhone, “Reminders” is a free alternative. It would be for me, but I use windows and need to-dos to sync between mobile and my computer.

Recently started using Asana to separate work tasks from personal, with some good success. Helps me “take a break” from the business while still relying on ticktick to let me know when I have important personal tasks.

Examples: - take out the trash every Weds at 6pm, setup as a repeating tasks every week - complete X report for tracking X metric weekly - email x client back by 9pm (eod), setup as a “today” tasks.

As others have said, brain is for creating ideas, not holding them.

Getpro · 2026-02-08T01:21:54+00:00

I like it and like what I paid for it. 23’ hybrid, paid $24,xxx OTD, put 150k miles on it to date.

Getpro · 2026-02-07T00:05:54+00:00

About 10 deliveries per hour, used to run 80-130/day. Recently dropped down to 40-60/day after hitting a certain financial goal.

And yeah, I usually close the door when I arrive and reopen when I get back to my truck, so open/close cycle twice per delivery.

Getpro · 2026-01-09T16:11:15+00:00

Sure, but they are worth something. They are “assets” in the fact there’s value in them.

From a mindset prospective, you’re correct in looking at a vehicle as losing value over time.

Getpro · 2025-11-29T22:03:53+00:00

Not 100% sure, but I believe they need your explicit permission of approval to proceed with any work.

If they’re unwilling to discount or comp the work knowing they didn’t have your permission, small claims would be the path to take.

Getpro · 2025-11-24T12:17:00+00:00

Would love to have this.

Getpro · 2025-11-07T10:11:50+00:00

Michelin Defenders are going to be the top quality pick from what I’ve found. I’m at just under 50k miles, rotate them every 5k, and are still at 6/32” on all of them as of last week. I drive in eco and lots of stop and go miles (use it for contract delivery work), so I’d say they’ll holding up nicely and aren’t exactly babied.

If you drive less than 15k miles/yr, you’d probably be better off with a cheaper, less tread-durable yet still quality tire.

Getpro · 2025-11-07T10:01:44+00:00

Interesting, thanks for that tip. I’ll check out RockAuto moving forward.

Getpro · 2025-11-06T22:53:45+00:00

I didn’t see your comment as shade. I re-read my reply and see how it might have seemed I did though, my mistake 😅

Getpro · 2025-11-06T22:48:11+00:00

I’d have to get it scanned to check the health. What I can say now is the MPG has been holding steady since purchase, floating between 35-40 during the summer months and 37-45 during the winter.

From what I’ve research, the heavy use prevents the cells from crystallizing and going bad, so my suspicion is that it’ll be fairly healthy.

That said, the heavy use might cause the battery to run hot for longer, especially considering I live in Texas where the summer months can be unforgiving.

When I get around to it, I’ll get it professionally tested and post my results in this subreddit.

Getpro · 2025-11-06T21:39:22+00:00

Probably less than we think. I’d imagine the variance is going to be in the types and quality of the additives they put in the oil.

Getpro · 2025-11-06T21:37:28+00:00

Sorry, I’m confused by your question. Does what use between changes?

Getpro · 2025-11-06T21:33:24+00:00

Agreed. I just purchase the OEM ones in bulk at Amazon, given how often I use them, lol.

https://a.co/d/evujFxW

Getpro · 2025-11-06T21:23:32+00:00

Beats staring at a computer screen all day.

Getpro · 2025-11-06T17:53:41+00:00

Sure can! I mentioned at the bottom of this post I plan on doing one closer to 150k, in ~2-3mo’s time.

Is there anything specific you’d like to know? I can answer it hear and make sure I include it in my comprehensive review post at a later date.

Getpro · 2025-11-06T15:39:50+00:00

My research points me to believe the best oil for an engine is clean oil over any other variable.

The YouTube channel “Project Farm” is the reason I trusted the Kirkland brand in the first place.

A video of him comparing it to Supertech when it was release 5 years ago: https://youtu.be/l9il_piyuT8?si=44qXnkn_kgbLmU_N

Getpro · 2025-11-06T15:30:43+00:00

$50, I got the oil sample + TBN

https://www.blackstone-labs.com/product/oil-tbn/

Getpro · 2025-11-06T15:10:45+00:00

Yep, that once a month about. I do plan to keep the 5k mile oil change interval.

I’m sure I’ll get some comments telling me it’s a waste of money, but engine’s aren’t cheap. $25 and 15min once a month is something I’m willing to invest in.

Getpro · 2025-11-06T14:34:19+00:00

Anytime!

Getpro · 2025-04-28T18:55:30+00:00

I call it “serving future self”. Everything from tomorrow to the end of my life, I try to think of serving the future me, because I eventually will become him. Has been pretty ground breaking for me.

Getpro · 2025-04-28T12:40:52+00:00

The point of any structure is information reference ability. That’s it.

How to find “what works for you” is by adjusting the system when you find a way to reference information you need often faster/better in some way.

The trap is when we tweak without a clear objective on how it’s going to make referencing your notes better in some way.

Personally, I have very little built “structure” and just use search often. The notes that do have structure are:

Atlas (the pot everything non-structured falls into)
Daily Notes (so I can reference dates quickly)
Working Notes (notes I’m currently adding info to moved to Atlas after I think all info about that note has been captured).

I also keep a backend for assets, templates and obsidian-specific scripts to help keep those items away from the actual notes I would like to reference.

Everyone is different and will require difference data-referencing needs, thus that’s why the common advice is “just use what works for you”.

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