{"id":172,"date":"2020-12-03T05:00:00","date_gmt":"2020-12-03T12:00:00","guid":{"rendered":"https:\/\/milesearnandburn.com\/?p=172"},"modified":"2023-04-18T14:54:54","modified_gmt":"2023-04-18T20:54:54","slug":"automating-spend","status":"publish","type":"post","link":"https:\/\/milesearnandburn.com\/index.php\/2020\/12\/03\/automating-spend\/","title":{"rendered":"Robotic Spend"},"content":{"rendered":"<p>HSBC has been offering me $30\/month for using my debit card and sending a few bill payments. It\u2019s almost not worth my time other than I automated it <a href=\"https:\/\/github.com\/jakehilborn\/debbit\">through debbit<\/a> (a free\/OpenSource tool). If you\u2019re slightly technical and can configure it, debbit lets you put recurring charges on a debit or credit card automatically, either fixed value or random within a range. I set it up months ago and use it for $0.50 Amazon reloads and $0.10 Xfinity payments. It works well for keeping dormant credit cards alive or for high interest bank accounts too. <\/p>\n<p>I started using debbit for something else \u2014 <a href=\"https:\/\/www.sofi.com\/my\/money\/account\/#\/vaults\/roundups\" rel=\"noreferrer noopener\" target=\"_blank\">SoFi has offered to \u201cround up\u201d<\/a> transactions for a total of $50 between now and Christmas, and guess how you make that one almost trivial too? Yep.<\/p>\n<p>My advice to you: Spend 15-30 minutes now and let the automation make you money now and going forward, but only if your technical level is at least at the writing excel formulas level. <\/p>\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" alt=\"Drinking bird in front of laptop\" class=\"wp-image-173\" height=\"384\" loading=\"lazy\" sizes=\"auto, (max-width: 512px) 100vw, 512px\" src=\"https:\/\/milesearnandburn.com\/wp-content\/uploads\/2020\/11\/DRINKING_BIRD_4154815832.jpg\" srcset=\"https:\/\/milesearnandburn.com\/wp-content\/uploads\/2020\/11\/DRINKING_BIRD_4154815832.jpg 512w, https:\/\/milesearnandburn.com\/wp-content\/uploads\/2020\/11\/DRINKING_BIRD_4154815832-300x225.jpg 300w\" width=\"512\"\/><figcaption>My automated spending setup on the beach.<\/figcaption><\/figure>\n<\/div>\n<p>For a more complete treatise, <a href=\"https:\/\/saverocity.com\/independentlyfinanced\/smart-people-overestimate-the-difficulty-of-maximizing-the-interest-earned-on-savings\/\">see this article at Independently Financed on Saverocity<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>HSBC has been offering me $30\/month for using my debit card and sending a few bill payments. It\u2019s almost not worth my time other than<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_editorskit_title_hidden":false,"_editorskit_reading_time":1,"_editorskit_is_block_options_detached":false,"_editorskit_block_options_position":"{}","footnotes":""},"categories":[12],"tags":[],"class_list":["post-172","post","type-post","status-publish","format-standard","hentry","category-ms-hints"],"_links":{"self":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts\/172","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/comments?post=172"}],"version-history":[{"count":10,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts\/172\/revisions"}],"predecessor-version":[{"id":6868,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts\/172\/revisions\/6868"}],"wp:attachment":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/media?parent=172"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/categories?post=172"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/tags?post=172"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}