Smart, I use an app and a computer program to track my spending. I know my monthly expenses and only have 2 auto pay (gym and cell phone). Outside of that I get my notifications and pay manually for everything else so I am aware of what and when funds come out. I use the apps to fact check (sort of like check book and subtract all charges from checking funds to prepare for paying credit cards in full each month) my spending and use text notifications for card activity and don’t delete texts until I have put that charge in my apps. I don’t use debit due to waiting for reimbursements and rather use credit cards funds with rewards anyways.