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Thanks everybody! I'm happy to see the advice, I took a class in this last year but everything helps! I set it so there is no way I can go over, and I plan to save about 25% of my pay, appx. 50$ every 2 weeks, and not spend it until I need a vehicle or something else pops up (gernaded bike ) as I learned from Dave Ramsey I don't care much for checks, but having the ability to order my bike stuff that I need from who ever I please, it's just going to be great. I no longer need to talk over that case of oil and box of filters at dinner The only reason I will ever have a credit card is to make small purchases for credit building, if even that. See I have the intentions of following my great uncle John and pay everything in cash, up front, so I'm not financially restricted in my life time. A very smart man till the day he died.