The aggregate pain and aggregate loss of using cash for transactions in a credit-card dominated world is much larger than the concentrated pain of replacing a credit card once a year. I make significantly more than $30 here and $20 there on rewards - on the order of $500+/year
Sign up for Mint, and quickly scan all of your transactions on a monthly or bi-monthly basis. It's a good idea anyway, so that you can easily account and keep track of how well you're doing at saving.
Sign up for Mint, and quickly scan all of your transactions on a monthly or bi-monthly basis. It's a good idea anyway, so that you can easily account and keep track of how well you're doing at saving.