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I've kept track of every electronic purchase for something like 14 years. So while I deal almost entirely on my credit card, I know at any given time how much is on my credit cards, how much is in my checking account, and what the net difference is. When planning large purchases, it's easy to forecast out upcoming expenses and paychecks to see how that balance is likely to change over the next couple weeks. Funny how we end up in roughly the same place, gauging our expenses, in completely opposite ways.