I like to use cash because when it is gone that's it. My DH prefers a credit card that is paid in full every month. We have tried it both ways and both work. Since he writes the checks and takes care of all of the bills, I let him do it his way. We do have a monthly budget and seldom go over it. Our credit card pays 1% and we just let that roll over for long periods of time and then we have enough to splurge for something fun. The first time we did it, we left it for a few years and ended up with over $800. We split it and bought something we each wanted. Usually we use it for our annual trip to Michigan to see family.