I've read a fair amount of personal finance blogs and money articles that advocate both ways. Personally I'm leaning towards option 1, however I worry if by doing this I'm leaving myself open for trouble in the future Say for example if an unforseen expense comes up like a doctors visit or a higher then expected phone bill which leads me to then have to use my credit card to get through.
Hmm... I think now I'm leaning to option 2 instead.
What do you do?