Hi there,

Assuming I’m cash-flow positive (or, at least enough savings to get us through negative months), should I just be charging everything to a credit card to take advantage of racking up points for cash-back?

Hypothetically, if you can get 3% cashback on $100,000 in ad spending each year and earn an extra $3k in cashback… why wouldn’t I do that?

And then double-dip with another credit card that might earn me 4% on $100,000 in “shipping charges”??

Is there any reason to just pay this off with direct debit rather than using a credit card?