Let me add one data point. I did just such an analysis of my spending to come up with the amounts I mentioned in one of my earlier posts, but because certain payments are made on a less frequent basis, such as my insurance payments, I hadn't yet checked whether my own insurers might take credit card payments. Tonight, I found out that I can add another $4000 yearly to my credit card spending for my automobile and disability insurance payments without incurring service charges.

I've written my last check for those bills. . .