Comment by elric

> I also have one credit card for strictly recurring expenses

I do the same. I have a bank account dedicated to all those recurring expenses I track. Every year I make a budget for those categories, work out the monthly average, and set up a transfer for that amount into that account. Some prices fluctuate quite a bit (like power) while my mortgage has a fixed rate, so I apply a healthy margin to make sure there are no nasty surprises.