Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited.

Trouble sticking to a budget when using credit cards for day to day transactions?
In your comment in response to this answer, you said that your biggest issue is oversight, which you can do by checking your online bank account regularly. Mint.com looks good but you're in Australia? Easy, check out getpocketbook.com. Using it and love it, helps a lot to track your tracking, and it's a god-send during tax time.