Curious…Average CC Bill (Spending Habits)

posted 2 years ago in Finances
  • poll: What is your average bill?
    500-1000 : (28 votes)
    21 %
    1001-2000 : (33 votes)
    25 %
    2001-3000 : (23 votes)
    17 %
    3001-4000 : (27 votes)
    20 %
    None of the above - please comment! : (22 votes)
    17 %
  • Post # 47
    Member
    7676 posts
    Bumble Beekeeper

    esbeejay :  I have not found a loan that can be paid with a credit card without incurring a large fee (which would wipe out the potential credit card perks). I was super bummed that we can’t pay for my daughter’s daycare with a credit card – that’s $415/week I’m missing out on! Plus I have to actually remember to bring a check book with me every week. Ugh. 

    Post # 48
    Member
    7676 posts
    Bumble Beekeeper

    megasaurus_rex :  eh – with a kid sometimes paying for the convenience is worth it if you can afford it. My husband took paternity leave after my mat leave was over so just last week we started with 2 full time working parents. Not having a house-spouse is rough. There has been much take-out as we figure out our new routines! We know we’ll get there, but last night sushi delivery saved our sanity and filled our bellies lol. 

    Post # 49
    Member
    170 posts
    Blushing bee

    Thank you ladies for the clarification regarding car loans. Does anyone know if phone bills or car insurance can be put on the cards? Really trying to max out now. 

    Post # 51
    Member
    7676 posts
    Bumble Beekeeper

    esbeejay :  we pay our phone bill and car insurance with a credit card. And our cable/internet bill, a standing charitable contribution, and hulu/netflix type services. 

    Post # 52
    Member
    7676 posts
    Bumble Beekeeper

    megasaurus_rex :  ooooh, the cleaning lady is the one thing I haven’t gone for yet even though everyone says I should. The one time we had a cleaner come (my Mother-In-Law sent her girls as a gift) I thought they did such a terrible job and ended up cleaning the whole house again myself anyways. 

    Post # 53
    Member
    2171 posts
    Buzzing bee
    • Wedding: October 2013

    My husband is horrible with credit cards and making sure the balances are paid off so we’re a cash only family. We use the credit card if there’s a large bill that we need to split into multiple payments before the billing cycle ends. He gets paid weekly so his checks aren’t as large and I am bi-weekly so it helps us manage our money but we need to see what we have in front of us in our bank account. 

    Post # 54
    Member
    9178 posts
    Buzzing Beekeeper

    Our bills lately for our 2 cards (Amex Blue Cash Preferred and Citi Double Cash) have totaled around $3500 per month, but like PPs, we pay it off each month. Our spending’s been higher than usual because we’ve been buying tons of baby things. 😬

    We charge absolutely everything for the cash back. On our Amex card, we get 6% at grocery stores, 3% for gas and at most department stores, and 1% for everything else. On our Citi card, we get 2% cash back on everything so we usually use that one for everything except for the things where Amex is higher. 

    The only things I paid cash for last month were tipping my nail tech, contributing $ to a coworker’s baby shower gift, and paying our cleaners.

    Post # 55
    Member
    1277 posts
    Bumble bee
    • Wedding: May 2018

    My CC bill is typically not very much since rent, electric, gas, and car insurance were paid straight from checking.

    My CC is used for groceries, cable/internet, gas, gifts, vacations and eating out. Usually under $500 on average.

    Post # 56
    Member
    4887 posts
    Honey bee

    megasaurus_rex :  Depends. We have a joint one we use for points. I had a lot of CC debt so I do not use my cards AT ALL anymore. 

    Post # 57
    Member
    1463 posts
    Bumble bee
    • Wedding: March 2015

    megasaurus_rex :  We put almost everything on our credit cards! Including the monthly HOA, so I’d say our average monthly balance on multiple cards is $4000-$6000, which equates to our living costs and usual spending. Our current banking setup and credit cards allow for almost 3% cash back on anything, not just gas or groceries, so we take advantage of it big-time. And our utilization ratio stays minimal, I think between the two of us, we have like $60,000 worth of available credit.

    LilliV :  Love the Target and Amazon cards – we have both! We go to Target like twice a month, hehe.

    Post # 58
    Member
    1979 posts
    Buzzing bee
    • Wedding: May 2016

    ive never been a big credit card fan, mainly because i have so many friends who are in credit card debt. My husband finally broke me down enough to convince me to get one, but i hardly use it. Ive used it to pay for a few flights over the years and some car maintenance, but thats about the only time i use it. 

    i would say most months out of the year i owe nothing on it. 

    Post # 59
    Member
    9733 posts
    Buzzing Beekeeper
    • Wedding: City, State

    wineandthings :  I’m actually going to look into getting at least one card since we have a baby on the way. I figure it would be good to have in case we need it!

    Post # 60
    Member
    683 posts
    Busy bee

    We use a joint CC for most family spending. The rewards far outweigh paying in cash, if you have a good card. We do pay it off each month, so we do not carry a balance. We use our points for vacations mostly flights and hotels. 

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