SWharton Posted December 9, 2019 Author Report Share Posted December 9, 2019 I called Amazon and the generic answer was "we made a mistake". I felt they should have sent out a correction to those people affected. Grrrrrrrrrrrrrr We just use a single credit card and charge most everything on it, use very little cash, no reason to. My CU sends me an email as soon as a charge is made, pretty much instantaneous. We also get 2.5% back on all charges so that adds up to a tidy sum. Only carry this card. Pay it off every month. Charge as much as we can rest is deducted from checking. Quote Link to comment Share on other sites More sharing options...
Lou Schneider Posted December 9, 2019 Report Share Posted December 9, 2019 (edited) I don't have estimated tax payments. I retired with a nice nest egg and live in a no income tax state. The Standard Deduction is more than my taxable income since I retired (investment income plus 50% Social Security). 😉 Edited December 9, 2019 by Lou Schneider Quote Link to comment Share on other sites More sharing options...
Barbaraok Posted December 9, 2019 Report Share Posted December 9, 2019 Our retirement is in tax deferred investments, so we do have some federal tax due each year. We've reached the point where we have to take Required Minimum Distributions, so federal income tax only. Quote Barb & Dave O'Keeffe 2002 Alpine 36 MDDS (Figment II), 2018 Ford C-Max HYBRID Blog: http://www.barbanddave.net SPK# 90761 FMCA #F337834 Link to comment Share on other sites More sharing options...
2gypsies Posted December 9, 2019 Report Share Posted December 9, 2019 5 hours ago, Barbaraok said: That's one reason why we set our auto-pay for things that are the same each month, quarter, annual. Don't do it for credit cards because I may make payments half way through the month depending upon how much I have charged on a particular card during that month. But phone bill, health insurance, etc. are reoccurring charges that I now are coming and are always the same (or within a few pennies) each payment date. AutoPay is the way we've paid reoccurring bills in a very long time with absolutely no issues. We use one separate cash-back credit card to do it. We don't use that card for anything else. We use another credit cards for all our day-to-day shopping, restaurants, vehicle repairs, etc.. If it's compromised we don't have to change all our AutoPays to another card. When a card is used in dealing with the public that's when they get compromised. Not with AutoPay. We pay the credit cards in full monthly through our checking account. We use Quicken so we know where every penny goes and it's accounted for. Quote Full-timed for 16 YearsTraveled 8 yr in a 2004 Newmar Dutch Star 40' Motorhome and 8 yr in a 33' Travel Supreme 5th Wheel Link to comment Share on other sites More sharing options...
sandsys Posted December 9, 2019 Report Share Posted December 9, 2019 We use auto pay for recurring amounts. Other than that, I use one cash back credit card for my on-line purchases and Dave gets an alert each time I use it. He uses ApplyPay or a different card from mine for his purchases. We have a debit card we rarely use. Dave tracks everything very closely so if something bogus shows up he is able to alert our credit card companies immediately and they have always responded promptly. Thus, we have no fear of using any of this. Linda Sand Quote Blog: http://sandcastle.sandsys.org/ Former Rigs: Liesure Travel van, Winnebago View 24H, Winnebago Journey 34Y, Sportsmobile Sprinter conversion van Link to comment Share on other sites More sharing options...
Barbaraok Posted December 10, 2019 Report Share Posted December 10, 2019 I love using my Apple Card with Apple Pay. Gradually more and more clerks understand when I am using the phone what I am doing, but for those who have never seen it before, the DING always startles them, and then they start asking questions. Salon where I get my haircut now accepts Apple Pay, as does 3 of our new favorite restaurants. Quote Barb & Dave O'Keeffe 2002 Alpine 36 MDDS (Figment II), 2018 Ford C-Max HYBRID Blog: http://www.barbanddave.net SPK# 90761 FMCA #F337834 Link to comment Share on other sites More sharing options...
kb0zke Posted December 10, 2019 Report Share Posted December 10, 2019 Like others, we do autopay for recurring amounts. Other payments, like the credit card that we use for everyday purchases, vary from month to month, so those are set up on an as-due schedule. We just schedule the payment date and amount. Many years ago we had an interesting experience with an autopay. For some reason the mortgage company didn't have our homeowner's insurance properly recorded, so they took an extra penny out. Jo Ann caught it and called to find out what was up. It took a few days to get it straightened out, and then only when Jo Ann mentioned some three-letter groups (ABC, CBS, CNN, NBC). THAT got their attention. The mortgage company was content to drop their extra insurance and keep the penny. Jo Ann wasn't. They actually had to get the treasurer out of a meeting to authorize the return of the penny! Quote David Lininger, kb0zke 1993 Foretravel U300 40' (sold) 2022 Grand Design Reflection 315RLTS Link to comment Share on other sites More sharing options...
Lou Schneider Posted December 10, 2019 Report Share Posted December 10, 2019 (edited) I've started using Walmart Pay on my smartphone because it offers 5% off on in-store purchases compared to 2% on the Walmart MasterCard it's linked to. At least for the next year. You load the Walmart app on your smart phone, then when you're in the checkout line you open the app, select Walmart Pay from a drop-down menu, enter a PIN and scan the QR image on the checkout card reader display. Overall it's slower and less convenient than swiping or inserting a credit card and I doubt I'll continue using it after the 5% cash back promo ends. Edited December 10, 2019 by Lou Schneider Quote Link to comment Share on other sites More sharing options...
SWharton Posted December 10, 2019 Author Report Share Posted December 10, 2019 I have been using Walmart Pay for years. Initially they matched prices to all the other stores in the area and gave you money back if another store had the same item at a lower price. Walmart no longer does that. The main reason I use Walmart Pay now is that all the receipts are on my phone, with pictures of each item. This is great when I am in another store and wondering if a "sale" item is really a good price. If it is an item I normally buy I can look it up easily. Quote Link to comment Share on other sites More sharing options...
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