Putting money aside "just in case" or relying on credit cards?

dukel44 · 2025-05-10T06:38:17Z

I've been thinking lately about how to handle unexpected expenses—you know, those annoying surprises like car repairs or emergency vet visits. I've mostly been using my credit card for these, figuring I'll just pay it off bit by bit. But now I'm wondering if it'd be smarter to stash some cash away every month instead. Curious what everyone else does and why you prefer one way over the other...

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cars_michael

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Did something similar when we upgraded insulation last winter—put it on a rewards card, paid it off quick. Definitely saw savings, but yeah, discipline is key. Cards can be handy tools if you're careful...but I've seen friends get burned, so I get the caution.