Using cash in a new way!

We have used cash for several years to keep better track of our money.  This is highly recommended if you owe anyone for anything.  Our bank has a points credit card and the return is very good.  We thought about it for a long time as we had changed to cash.  We did, however, come up with a plan that would do both things.  After I figured out how much we spend on gas, groceries, utilities and insurance, I took that amount at the beginning of the month and transferred it into the companion savings account for our checking.  When the credit card bill comes due, I transfer the amount from savings to checking and pay it.  I am still keeping the money within the month that we receive it, but am also receiving the gift cards.  We've used this system for the last two years, and have been greatly blessed.