I'm with dad_of_jon.
Numbers are great, as is risk management. Exactly why I opted out of the company car scheme to buy my own. Once I crunched the numbers and weighed in a contingency for risk of failure, I got a much nicer car for the 8 hours a week I am trapped in a metal box being exposed to ludicrous driving and selfish prats. And if the contigency doesn't get used, it's repurposed towards a holiday.
Same goes for normal monthly expenditure. It All goes on a cashback credit card. And I mean everything. Then when I get paid it all gets cleared off. No interest has ever been paid on this card and I get 5% cashback.
And whilst you can't set up direct debits from a credit card. ... If you want to set up regular payments from your credit card, you can arrange a continuous payment authority (CPA), also known as a recurring payment.
So far very few companies I buy services from have refused their monthly payments via this method.
Saved a fortune over the years.
Numbers are great, as is risk management. Exactly why I opted out of the company car scheme to buy my own. Once I crunched the numbers and weighed in a contingency for risk of failure, I got a much nicer car for the 8 hours a week I am trapped in a metal box being exposed to ludicrous driving and selfish prats. And if the contigency doesn't get used, it's repurposed towards a holiday.
Same goes for normal monthly expenditure. It All goes on a cashback credit card. And I mean everything. Then when I get paid it all gets cleared off. No interest has ever been paid on this card and I get 5% cashback.
And whilst you can't set up direct debits from a credit card. ... If you want to set up regular payments from your credit card, you can arrange a continuous payment authority (CPA), also known as a recurring payment.
So far very few companies I buy services from have refused their monthly payments via this method.
Saved a fortune over the years.