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The rest is just general spending for a family of 3. I just put almost all of my spending on a credit card where possible (for cashback/points/etc).
Noob question but, why?
I get rewards on my current account/debit card, are you getting much better rewards doing it your way?
M_V-
I'd imagine yes the rewards are decent plus if you always pay off the balance or most of it it rockets your credit score which opens up good opportunities
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The rest is just general spending for a family of 3. I just put almost all of my spending on a credit card where possible (for cashback/points/etc).
Noob question but, why?
I get rewards on my current account/debit card, are you getting much better rewards doing it your way?
There's no one true path to the best rewards, this is just how my financial setup has morphed over time. I get a bunch of stuff (AA membership, home emergency cover, holiday insurance, etc) from a paid bank account with Lloyds. When looking for a credit card (apart from my existing Lloyds Mastercard) the AMEX one I got was a good deal and gets me a BA Companion Voucher each year, which is useful to take the edge off holidays.
If I'd had a current account that gave me good cashback/etc then I probably wouldn't have gone with this credit card.
I suppose I could spend hours researching what is the best deal each year and switching around but it's just too much hassle. If my setup is ~70% of the best and hours of work/hassle for the remaining ~25% is not worth it IMHO.
Festerban
Greenbank
I think I've got ~£100 of business expenses on there a month (a co-working space I can expense).
The rest is just general spending for a family of 3. I just put almost all of my spending on a credit card where possible (for cashback/points/etc). Zipcars (we don't have a car of our own), entertainment and eating/drinking out, groceries for eating in, etc, etc.