During this pandemic I've knocked off about 17k of my 20k debt. I am feeling good. Edit: It has been a little more than a month and I did it y'all! I paid off the rest!! I am feeling good.

@CALLMEKAFOI

4 жыл бұрын

amazing! proud of you stranger on the internet!

@deebee14able

4 жыл бұрын

Good job!

@sophiasemambo9501

4 жыл бұрын

Thought i was the only 1. Ive paid off all ma credit cards

@SimzHairCare

4 жыл бұрын

Well done! I have cleared half of my overdraft and credit card!

@tolufrimpong

4 жыл бұрын

Wow congratulations, that's amazing 👏🏿

This is how I use my credit cards. I buy groceries, gas and other items to earn cash back rewards and points. Then I pay off the card with the money I’ve budgeted for those items before interest is charged.

@lulumadueke

4 жыл бұрын

Yesss, me too🙌🏽🙌🏽

@puffymuffin9064

4 жыл бұрын

Your someone that know how to use credit card

@Bee_Mari

4 жыл бұрын

Me too

@smaria5180

4 жыл бұрын

Me too!

@MaggyBatanova

4 жыл бұрын

I am on Barclays but I don’t have any cash back rewards :( Why is that .

Would love to see a video on how to set your children up financially for the future!! Currently pregnant with my first child 👶🏾

@Croydondebruyne

4 жыл бұрын

There are certain children's savings accounts and isas that offer higher interest than us adults can get, albeit interest rates are very low right now due to the current state of the economy

@Fuorunner

4 жыл бұрын

I would look at financial education for the child or children. I would also look at the system of generation wealth. Trust or foundation for the family. Practice borrowing from the family wealth pot and paying interest to the pot.

@Sucre014

4 жыл бұрын

In the UK, you can open a Junior ISA or ask a bank for child savings account. Last I checked with Barclays, the interest rate was 6% (around February). I just opened a junior ISA investment account for my 2 months old daughter 💞😊

@TheKarebear666

4 жыл бұрын

I have a few friends with kids who have kids who have opened up credit cards in their names and set up regular small bills off it (e.g. Netflix, Amazon prime) so the kids have credit history started before they need it.

@cherelled6419

4 жыл бұрын

Congratulations!!! Enjoy motherhood girlie x

Patricia: “A little trip locally to Spain” Me: laughs in American Lol ya’ll are blessed in Europe to take local trips that take you to another country! Love it and I’m here for it❤️

@demwunz

4 жыл бұрын

not after brexit..

@kieannaknight1124

4 жыл бұрын

but america is like a a whole bunch of countries in one ....every state is something different

@nataliep6046

4 жыл бұрын

Errr hello you Americans have MEXICO yes please I’ll take that every weekend hunnay!!!!!!!😍😍😍😍😍🥰🥰🥰🥰🥰🥰

@nataliep6046

4 жыл бұрын

If you live in Florida you got the Bahamas too

@zetovidillard

4 жыл бұрын

@@kieannaknight1124 tru

I died when you pulled out that black construction paper 😂😂

@ITSCHANELSWAY

4 жыл бұрын

Me too 😂😂😂😂😂

@AbujaYummyMummy

4 жыл бұрын

was not expecting that 😂😂😂

@codypittgrew2642

3 жыл бұрын

Thanks to everyone who posted *Ericroboti* on telegram, just received my credit card from him thamks man

I’m 20 and I just got a credit card at the beginning of the year and all i do is pay my phone bill with it, pay it back through my debit card, and don’t use again for the month. And it’s been working great my credit score goes up every month ☺️

@sherryk.timmer4921

3 жыл бұрын

I had a damaged credit issues which include the following: bankruptcy, eviction filling and outstanding rental balance, delinquent state and federal tax debts, a horribly low credit score which affect my credit report. Michael Gibbs from CREDIT PATCH UP LCC came to rescue me and He started the repair which he concluded within a week. He raised my score to 780+, payoff my debts and apply new credit cards with good limit. You can also search on [Gibbs@creditpatchup.com], He is a well known debt relief with a lot of experience.

@jadeamah

3 жыл бұрын

@@sherryk.timmer4921 is this real

@sherryk.timmer4921

3 жыл бұрын

@@jadeamah yea , very sure

“Use credit cards for convenience and NOT for credit”. Advice I heard when I was a student and have lived by ever since. I’ve had some good perks from my credit cards and some great flights/trips.

I've been travelling for the past 8 years to at least one country per year and this year I decided to finally stop BEFORE the pandemic but during quarantine, I withdrew 90% of my points into cashback and invested the money since they were selling very cheaply. I'm going to hold on to those stocks and earn dividends and hopefully live off the passive income when I retire. When you know how to beat the banks in their own games, it's great.

@MaggyBatanova

4 жыл бұрын

What points ?! I am on Barclays and don’t have any points :( Which bank are you using ?

@FemiaLove

4 жыл бұрын

I’m in New York how do you get that credit card

@akirebara

4 жыл бұрын

@@FemiaLove Chase Sapphire Preferred. The Reserve is something like $450 per year which is too much for me since I'm not planning on traveling anytime soon. I didn't realize you can't DM here on KZread but I want to refer you so that we both get referral bonus points!

@marquispalmer9

4 жыл бұрын

akirebara kzread.info/dash/bejne/imWBq5KKldqno7w.html

@chloer1620

4 жыл бұрын

Where did you learn all about investing? I’m a beginner and struggling to understand it all but I really want to learn. I’ve watched loads of videos but it still confuses me🥴

As a young adult I appreciate all the financial/life advice you give on this platform. I'm trying to set myself up for financial success early and these videos make it a less boring process.

@marquispalmer9

4 жыл бұрын

Sarah Vincent kzread.info/dash/bejne/imWBq5KKldqno7w.html

Yes I primarily use my credit card for purchases I'm going to make regardless to get those cash back rewards. It's like getting a discount for paying my bills!

I was the same. Heard so many bad credit card experiences from friends and for that reason, I never got a credit card for myself. But lately realised it's good for building my credit rating ... so I got one and only use it exclusively to buy things I would normally purchase like groceries etc. Then I'll emediately pay it back within the same week, interest free.

@alext3480

4 жыл бұрын

do you pay it back with the money in your debit

@kikaka3649

4 жыл бұрын

@@alext3480 Deeply happy I come across this trustworthy vendor been a second time of getting CC from him *Ericroboti* On telegram much love I have for you 💯✅

The truth of the matter is YOU DONT need a credit card .. but if you understand how they work and you are disciplined they can give you great perks

@andrewn924

4 жыл бұрын

How is that true? How do I finance a house with no credit?

@marquispalmer9

4 жыл бұрын

Marzell Money kzread.info/dash/bejne/imWBq5KKldqno7w.html

@Bdotdecember

3 жыл бұрын

Andrew Nycz not to mention a lot of things require a major credit card.

Unfortunately, people like to show how much money they don't have by buying things they can't actually afford on credit cards. I thank God every day for becoming financially smart and not try to keep up with the Jones's. Love your content.

@marquispalmer9

4 жыл бұрын

DNICEANDFAM kzread.info/dash/bejne/imWBq5KKldqno7w.html

I have used this method to build my credit to £5000 in total spread across a few cards. I have only used £230 to buy a tumble dryer and paying off over 3 months so i don't pay interest and i put small subscriptions like netflix on my cards and set a direct debit to pay bill in full. This keeps them active and looking like i manage my credit well. I did this over a course of 18months. I am aiming for £10,000 credit in time for getting my mortgage. That should help cover any major emergencies like needing a new boiler or the roof needs repairing.

@velwills357

4 жыл бұрын

Why wouldn’t you pay interest? If you pay over 3 months, you are definitely paying interest.

@walkinmyshoes1254

4 жыл бұрын

@@velwills357 Yes, potentially. Unless there is an introductory 0% period?

@laurenholmes1634

4 жыл бұрын

Why our your expenses on a credit card? The interest is massively high compared to bank loans. Check this out if ever needed.

@rufdymond

4 жыл бұрын

Singleton Peach I don’t understand the last bit of your comment....having a £10,000 credit limit to pay for emergencies is very risky.....wouldn’t a much better way be to build a emergency fund, that way if something happens, you don’t go into debt. I have about 5 funds for all sorts of things from car maintenance to holidays, if I need money for something I always have it there in one of my finds....

@hmsmith3556

4 жыл бұрын

@@velwills357 nope. No interest for 3 months. Not an introductory offer.

Oh Patricia where were you 20 years ago? Might have saved me from so much headache and heartbreak! (Big sigh)

@lisastukley7119

4 жыл бұрын

Totally agree, back when companies were practically throwing credit cards and loans at you.

@walkinmyshoes1254

4 жыл бұрын

Remember, the best time to start was 20 years ago...but the second best time to start is today : ))

@marquispalmer9

4 жыл бұрын

Steven Steven kzread.info/dash/bejne/imWBq5KKldqno7w.html

Seeing the detrimental effects of credit card debt within my family steered me away from wanting a credit card for a VERY long time. Now In my mid twenties I’ve taken the time to learn how to use to use it to my advantage. Using it and paying it off at the end of each month has significantly increased my credit score but always remember to spend within your means! This is something we preach on our channel as well. Thank you for this wonderful content Patricia ! 🙌🏾

@sherryk.timmer4921

3 жыл бұрын

I had a damaged credit issues which include the following: bankruptcy, eviction filling and outstanding rental balance, delinquent state and federal tax debts, a horribly low credit score which affect my credit report. Michael Gibbs from CREDIT PATCH UP LCC came to rescue me and He started the repair which he concluded within a week. He raised my score to 780+, payoff my debts and apply new credit cards with good limit. You can also search on [Gibbs@creditpatchup.com], He is a well known debt relief with a lot of experience.

I'm literally the only person im my family with credit cards or anything credit related. No one in my family had the knowledge to teach me so I relied on the internet I feel like I'm doing an awesome job because everything you've talked about in this video I am doing now! I'm only 25 got my first card at 20yrs old. Having great credit really makes life extremely easier i can tell you that.

Yes I agree that we should use our credit cards on the things that we already planned on buying. I personally like Air miles(or any flight credit cards because that mean I get free vacation😌)

@adanechm

4 жыл бұрын

I regret not doing that when I went out of state for school 😭 could of had miles stacked while I was traveling back and forth

@marquispalmer9

4 жыл бұрын

Neemah Speaks kzread.info/dash/bejne/imWBq5KKldqno7w.html

"There are rich people that are broke" 😂😂 Awesome video Awesome personality I LOVE IIIT

@marquispalmer9

4 жыл бұрын

Jamal _ kzread.info/dash/bejne/imWBq5KKldqno7w.html

This is right on time, I was just thinking about getting a credit card, but not prematurely. Before I get one, I am making sure I know all important information.

@annikaap2381

4 жыл бұрын

Same for me! I want to know about credit cards front&back; how to manage them, and everything else before I apply for one

@loveablej2

4 жыл бұрын

Annika P Yes same here

@loveablej2

4 жыл бұрын

Kimberly Barnes Thank you for the information

@loveablej2

4 жыл бұрын

JAY KRISSY I bank with TD Bank, so I think I’m going stick with them. Thank you

@kristinacvetkovic5620

4 жыл бұрын

Smart

Credit cards are very useful and I believe people should get one the second they turn of age BUT only if they are smart with their money. I have too many friends that have gotten into bad financial situations because of them, KNOWLEDGE DETERMINES THIS! They really should teach this in school, its kinda evil haha if not used properly. Thanks for this video!! There are also a lot of online resources as well if youre not in the UK since some countries have different rules etc.

Ugh, Patricia, you are such a lifesaver. I’m 21 years old, started my first job a little over a month ago and I literally just got my first credit card two weeks ago through my mom’s line of credit (and then another one from Ulta but I‘m extremely reluctant to use it because I’m scared). I’ve still be using my debit card for most purchases because I just don’t want to dive right in to it because I didn’t feel like I had enough understanding. I appreciated our videos so much. Thank you! Also, I’d love to see the rest of The Break team :)

👌🏼👌🏼 love your American Express black card 😂

I wish this channel was around when I came to 18. Credit cards, store cards, finances and loans up to my eyeballs! Checking those debt links in the down bar but they weren’t there! Anyone help?👌🏼 amazing as always Patricia x

Such good advice! I use credit cards in all the positive ways you highlighted. I have a teenage daughter, I wonder if she listens to me, as I try to teach her life skills, so I send her your videos. I honestly wish I could get people like yourself into schools, your delivery is everything.

@marquispalmer9

4 жыл бұрын

Wendy Morgan kzread.info/dash/bejne/imWBq5KKldqno7w.html

I purchase my holidays on a 0% interest CC, and pay it back before the 0% interest period finishes.

@quelquun2018

4 жыл бұрын

What's CC😕

@goldengarnet

4 жыл бұрын

quelqu'un Credit Card

@marquispalmer9

4 жыл бұрын

Queenchar86 kzread.info/dash/bejne/imWBq5KKldqno7w.html

My dad was a first generation finance college student that educated himself and subsequently his kids about finances. He is still learning and teaching me along the way. I’m so grateful for that education. They really should teach this stuff in school from a young age but happy we have channels like this to learn from.

My absolute favorite youtuber and channel! Thank you for always educating us 😭💕

I was always afraid of a credit card when I was younger but then I researched and learned how to use it.... I wish I had this video sooner. But thankx

Wow this was so timely for me! I'm literally (as in within the next half hour) about to pay off my credit card and am adamant about being smarter with it going forward. Great tips & sending gratitude all the way from Canada! 🇨🇦

I've wanted to build my credit history for so long but haven't had a lot guidance when it comes to credit cards so i've just never opened that door, thank you so much for doing this!

Thank you for the advice! Yesterday I was thinking about getting a credit card and this video today seeing your video in my recommendations was good guidance on how to start! Love your videos definitely a true role model.

I've done something similar. Get a funds transfer into your current account. The handling fee these days is between 2 and 4 % and the balance is usually interest free for at least 18 months ( more on some cards.) The handling fee is well below the rate of inflation, so as long as you are using the money to buy capital appreciating assets ( eg gold or shares) then you are investing using none of your own money. Pay the minimum payment ( between .5 and 1% of the sum borrowed) on a direct debit. When the interest free period runs out, you need a way of paying it back. Or you can use another card to transfer the balance.

Patricia our here educating the masses!!!! I’m here for for this content! 👏🏾👏🏾👏🏾

this whole channel really was such a great idea Patricia 🙏🏽👏🏽🙌🏽

@marquispalmer9

4 жыл бұрын

Kalene Santana kzread.info/dash/bejne/imWBq5KKldqno7w.html

I found your channel recently, and I've already learned a lot!! Wish I found your channel in my 20s so I could have sorted out my credit a lot faster. Thanks for all your tips!

This video was extremely helpful, thank you!! It revealed that many people often think that having credit is equal to free money which it's not!

Really love this channel. Every time I think about something I need to know more about you seem to uplaod that very video! Thanks Patricia x

I'm now 36 and because I still haven't fully mastered the concept of being a good money manager, I have never gotten a credit card due to fear of course! But you explained some points that I never knew of before but I intend to exercise all for the sake of building a "credit score". Thanks Patricia. XOXO

I was so lucky that the executive at the bank explained me the dates and deadlines and to always pay all the credit to avoid interest, he was so nice I was so young and I have never had debt, but I get great credit offers now. So important to know how to use it!!!

Had I learned what you’re teaching years ago! Lol, I’m fixing my credit now so I can’t complain; I learned eventually! I love this channel already ❤️

I'm finding this channel so informative! I watch all your videos on both channels, but the break has been so valuable! Thankyou ❤️❤️

Great tips! For years I was overspending on credit cards and playing hot potato with 0% intro offers. Yikes. But I committed to paying it all of last year (got there on Dec 23 lol). Now I have one card for recurring bills that gives cash back that goes to my savings, and another for groceries/gas for travel points. Happy to say I pay my balances every month now!!

Been loving this channel but I was feeling anxious for Patricia that there weren’t any disclaimers. Glad she says it now 😊

Hi Patricia, so happy with your financial tips. I've only had my credit card for two years now and in the beginning I only used it for when I was on holiday. Because in alot of countries you cannot use Cirrus anymore. So I got my Mastercard to make my vacationing easier. Now I also use the card for purchases of which I want them to be insured in case something goes wrong with the seller. And I never buy things that I actually cannot afford. I have heard the horror stories of mountain high credit card debts and they scare me immensely. So I use my card wisely and only for money I already have to spend.

I love how you break things down so it's so easy to understand xx

@marquispalmer9

4 жыл бұрын

Lazy Days kzread.info/dash/bejne/imWBq5KKldqno7w.html

I love your style! You always pick simple but flattering colors and patterns and I really like it.

I don’t know why anyone would dislike this video, it’s very informative! Thank you 🙏🏾

Wise words, I've lived by a lot of these! Thank you for sharing 💯

@marquispalmer9

4 жыл бұрын

Jeffrey Clarke kzread.info/dash/bejne/imWBq5KKldqno7w.html

YouTanyaTube I got a credit card just before I reserved my first house to build up my credit score as I’d never had credit before. I got a points credit card so I get vouchers to spend on the high street once I have enough points to redeem. To build up my credit, I used to only use my card for petrol at the beginning of the month and then pay if off straight away. Definitely one of the best things I did as my credit score is amazing. Nowadays I use my credit card for that protection for when I’m booking things for my wedding, for holidays etc. Once again another informative and fun video Patricia :) xxxx

I have been using my credit card to improve my credit rating for 5 years now ,this is a great advise . Always cover the amount you spent in full by the end of the month ladies please .

I have two credit cards and use them regularly. In order to avoid being in credit card debt, I pay off the balances in full every other week.

Great video Patricia!! You always spoke about making a finance channel and I’m so happy you did! Thank you 🤗🤗

This video is gold. Pure gold. Everything you do is pure gold, girl. Keep up the good work.

Thanks Patricia - I’m learning a lot from your vids. Thank you so much!!! You do drop those little nuggets of wisdom like a boss🦸‍♀️

Honestly, thankful for your videos and you helping us out here🥺❤️

I am sooo early omg Patricia thank you so much for this channel! God bless you! ❤️

Really great tips🙌🏾. I was that irresponsible user who never thought of my credit card as debt since I paid continuously and would sometimes just pay down the entire balance owed like twice a year just because I could. It wasnt until i had used it for an emergency that took my balance way down that i really felt the weight of living under that debt. At the beginning of 2020, I began working at correcting the habits that had lead me to where I was and thankfully I have been able to reverse the damage I did by making more responsible decisions and being proactive about financial planning. Just goes to show that it's never too late to change the course of your finances. You just need the will to do it💞

Withdrawing money on credit card is an interesting one particularly when abroad. I found out it was a lot cheaper to withdraw money on my credit card in a country like Comoros than when I did on my debit card. I travel a lot but haven't paid attention to this until I was in Comoros. It might be same for many other locations as well.

At the end of the day only use credit card when you can afford it. Use credit card only for the benefits like rewards and security

This is brilliant! I swear I was just talking about getting my first credit card and now I have this to refer to.

@marquispalmer9

4 жыл бұрын

kzread.info/dash/bejne/imWBq5KKldqno7w.html Wint

Patricia!! I always smile when I watch your videos!! Gurl, you're awesome and I love your sense of humour, even when you're chatting about something serious, like money...

Some people will probably use it to buy that bag you showed us in the beginning. It’s tempting by the way 😍

Thank god I learned these tips from my dad from an early age 🙏🏽. No credit card debt here.

I love this channel so much! Such valuable information made simple and coming from a woman we can relate to. Bless youuuu

I needed this 5 years, thankfully I have a plan now and am almost debt free now.

Credit card debt-free and loving it. I use (mainly) 2 credit cards for automatic payments for subscriptions like Netflix, gifts, and personal purchases that I pay off right away. I used all the tips and committed the "don't do" as well along the way. Presently, I am paying off my car loan of $8,000. I am in my late 50s and my credit card debt was $25,000 to $30, 000. I had to move out of my rental back home and start over financially. Now I need to let my money make me money. I want to learn about investing to generate income while in retirement.

All facts. I had the best statistics professor in college who had convocation lik this on how to use credit right. Thanks for the good info

I’ve heard way too many horror stories about credit cards, so be responsible when you’re spending that cash!!! Like Patricia said - use it wisely! 👏🏾

Absolutely key advice for me. I’ve never known most of this so thank you x

I needed this ! now let's continue watching ...

I use my credit card instead of my debit and then just pay it off in full at the end of the month. I don't spend more than I have or know I will have and then all the money I have spent convert into points/offers.

I was just talking to a client about improving her credit using credit cards. Like literally just hit “send” on that message. 😊

@JustRonka

4 жыл бұрын

I need improving my saving skills... what did you work, if this is OK to ask?

@marquispalmer9

4 жыл бұрын

Brianna Coleman kzread.info/dash/bejne/imWBq5KKldqno7w.html

Love your videos! This was very helpful and inspiring, as usual!

This was good for my research. I’m on the verge of making my credit card video for my channel. Good info. Thanks!

Lol I understood the joke and I love this video! Thanks for sharing this. I’m thankful that I learned most of these tips before I got my Amex platinum card. One thing I never knew is that you didn’t have to stay loyal to credit cards. Thanks for that tip.

@marquispalmer9

4 жыл бұрын

Tiffany-Nicole kzread.info/dash/bejne/imWBq5KKldqno7w.html

Patricia's out here doing the lords work!! Would be great if you could cover how to responsibly use Credit Klarna, particularly for younger consumers

I love this Patricia! You inspired me to start my own KZread channel so Thank you 🖤

Thank you so much for your wisdom and the tips your so great your personality and all your tips !!

These Videos Are So Helpful! Thank You❤️

I am so grateful for this channel. Thank you so much!! Also can you do more videos on investing, ETFs etc

I don't have a credit card at 23, but I'm looking towards making more money outside of student finance income / Bank of family. I'm looking into more of a pre-paid card and actually building my credit line to start a business in general. Thank you for this video, it's nice to have the U.K. version of finance.

@marquispalmer9

4 жыл бұрын

Toni Tyler Moore kzread.info/dash/bejne/imWBq5KKldqno7w.html

Please can you make a video about property investment, how to get into it, what you need etc. LOVE your channel!! ❤️

Also if you have a good payment history and record with the company you can ask them to lower the interest rate for you

Love all this info! Thanks for making these videos 👍🏽

Listen sis they not hearing youuuu! Im so happy you made this channel. ❤️

Thank you! Very helpful.

I learned so much real life lessons within this 12 mins than ive ever learned at school.... Lord knows i dont need geometry.... but i sure couldve utilize a class on credit cards

Pat I signed up for your course! I’m so excited to be a boss plant babe !!!

Yes girl! I used a secured card for a year as an intermediary between my bank and vendors, so I always paid it off in full every month because I only used it on things I was already going to buy. I built up my previously nonexistent credit score to almost perfect by pretending the really small credit limit was how much I had left in my bank 👀

I realized that not all credit cards are created equal when it comes to interest rates, rewards, and whether or not you get a charge when you travel abroad. Thanks to my husband I am wiser now. We have travel credit cards and that means that there is no international fee. Also, we compare airfare from different sites then use our credit card apps to purchase flights and hotels and can always call them to match the lowest price not forgetting the benefit of earning travel points. We look at what the rewards are and say if this month they hv. A 5% money back on gas only at shell gas station, We compare gas prices and see if the5% is worth it. If it is, then we will get gas at Shell. Just a few ways we use our credit cards. Thanks Patricia for sharing your wisdom.

I only got a creditcard for the cash back rule! Thanks for this video!

Yep I needed this

Patricia, this content you are creating on this platform is so incredible. I am watching every video and I even ranged the bell (which i rarely do). You are not only entertaining, but also super knowledgable. I am interested in what do you think one can do with around 13k CAD in savings (I hate spending money xd) and I got a CC with a limit of 1500$ (as a newcomer with no credit score in Canada) and I am do against credit cards but they are so necessary in canada to build credit score and to even rent a car or buy tickets to concerts. I am watching your channel cause I want to know how best to deal with my savings as i don't want to spend them.

Love this video I didn't know about only using small amount of money on credit card. I've never had one as like you was worried. My credit score is pretty good but I've been recommended to get credit card to make it better. My issue is am scared to apply for one and get rejected as it goes on your credit file and doesn't look good when applying for a mortgage and am looking to buy a house this year. I've been on websites that say the likelyhood of you getting accepted but I did this for a bank account with free overdraft and they refused me (didn't say why I think as id just recently moved) and it now is a mark against my credit score

I really really really really really really REALLY like your energy and content!

Thanks for always educating us gurl😍♥️ Thanks

Binged all the videos on this channel! I'm obsessed!!! 😛😛💛

@marquispalmer9

4 жыл бұрын

Jessica Karina kzread.info/dash/bejne/imWBq5KKldqno7w.html

Patricia - I think you used to do modeling...Good to see you Helping ppl get credit

My credit card actually helped me to save more money in my bank account cause I use it for all my purchases during the month and pay it off with my paycheck. So I’ll have the cash from the previous month saved