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<p>[QUOTE=&quot;Jim Dale, post: 7502525, member: 100459&quot;]This pandemic of COVID-19 as well as the &quot;coin shortage&quot; (or &quot;coin circulation&quot;) has converted us to VISA payment.&nbsp; All of my monthly bills (utilities, insurance, etc.) are drafted from our checking account.&nbsp; All of the other purchases are done with our VISA card.&nbsp; (I have frozen my credit with the credit reporting companies so that credit thefts are avoided.)&nbsp; I am able to look at my bank accounts any time I want to see how they are going.&nbsp; I record all purchases (cash or credit) are recorded on an EXCEL spreadsheet.&nbsp; By using our VISA, we don&#039;t have to &quot;round up&quot; our purchases.&nbsp; Once the penny is no longer made our used, all vendors will round up, not down, even if it is a penny, unless the government makes a low as to how vendors are supposed to round the amount of the purchases.[/QUOTE]</p><p><br /></p>

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