At the start of the new year I said I was going to be better about this whole thing and started this giant excel spreadsheet that was keeping track of everything. Purchases, points, BPs, etc .... Then it got to be so much work I stopped using it and just kept MSing.

Worst case I lose a few $500 GCs but who really cares since its almost like free money. I could 'lose' a lot a month before noticing so if that happens, I just chalk it up as the cost of doing business.