From Bankrate.com: http://www.bankrate.com/finance/s...-you-1.asp
This is a normal and proper way to handle one's finance. But:
1. I do not have a budget since we spend only what is necessary and appropriate. I would like to spend when I see fit, and not constrained by budgeting.
2. I do not set auto billpay since I do not have a sense of control and trust with that tool.
3. I do not have anybody for my financial matters and planning since I think that I am smart enough to do that for myself; and only I care the most about my finance (and can do all these for free).
4. I use credit cards for holidays, too; for the sole purpose of accumulating cash rewards. I do not have the habit of over-spending in holidays, either.