Hi AK, 1) I've automated my monthly fixed expenses to be paid out of my credit cards - actually just one credit card - where possible. I now just need to refer to my month-end statements when they come, and cross-check them with the respective companies' billing statements for discrepancies (usually stat boards are accurate to the tee lah hor). 2) After much research and small A/B tests, I've also decided to use the same credit card for my other everyday spends as well. Hence maximized and optimized, at least for now while the T&C is still to my spending patterns' favour. It also gives me a good black-and-white copy of my expenditures, and I often use it as a form of accountability check on myself if I'm actually spending my monies wisely or am I regretting some spur-of-the-moment purchases. 3) I've cultivated a habit of putting aside monies for savings towards my personal ......