Quote:
Originally Posted by Tarana
(Amazon doesn't use gift cards for ebook purchases, as an example)
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Sure it does. In fact, if you've got a gc attached to your account, you can't
not use it to buy your ebooks.
One reason I advocate a piggybank is that it's too easy for money in your regular account to seem like cash on hand, even if you're keeping good records. That is, it might be spent on other things. But you could always open a small saving account and link it to your checking account, transferring the money into it when you forewent a purchase and transferring it back when it's time to pay the cc bill.
The other reason for a bank/envelope/separate account is that when you see the money accumulating it's a stimulus to keep it up. Those two and three dollar purchases you didn't make can add up to a tidy sum in a surprisingly short while.