I am a proponent of paying credit card (CC) bills on time. I despised being charged interest fee; especially one when you missed out by $1 and the penalty is 10-20 times. (I had this fine before. Ridiculous).
Nobody to blame but myself. Instead of paying of my purchase directly from my CC, I put it on hold… or worst, continue spending through a Buy Now, Pay Later service (4 interest free payment in 8 weeks).
This gave me a false impression that I am owing lesser than the actual figure. By the time I know it I have made several additional purchases which continues to pile up my debt. When the bill comes, I get stressed and start scraping the cash needed to pay it off before its due date.
Solution
Since Dec 2022 I tried out a new system with my credit card expenditure and payback.
Every time the current balance passes the $100 mark, be it $100.15 or $180.50, I quickly transfer $100 from my savings to my CC account.
After all, if I don’t have $100 to spare, it simply shows that I am spending more than I could afford.
So far this has provided me such peace of mind. I would recommend it for people who loves using CC but wants to avoid its pitfall. Happy spending.
Stay hungry, stay safe.
Disclaimer : This is not a professional financial advice. Please consult your financial advisor and your own due diligence before making
Kammys Musing 
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