Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open.

Trouble sticking to a budget when using credit cards for day to day transactions?
Do yourself a favor: calculate the price of airfare, calculate how many points it takes to get a good flight, and calculate how many points you get per dollar spent. What you will find is that it is a ripoff. Leave the card at home and unlink it from your online purchasing accounts. You're welcome. If you really want to earn rewards, just put your necessary bills on that card. Over time it will accumulate, but do the math first so you can weigh the consequences.