<prompt> Human: So I live at home, and I receive gas and grocery money every month, because I drive 40 miles round trip to school and pick up groceries fairly often. Currently, it is an automatic deposit in to my personal debit account. This means I am constantly tracking exactly what money belongs to me and what doesnt.I think it would be easier to have a credit card and have that be set up to be automatically deducted from a regular account, and not mix the funds. However, I am not incredibly knowledgeable about credit cards. She wont tell me why that wont work, other than that they wont, so Id appreciate if you could tell me why.Or, maybe a compromise that I havent proposed yet: leave the transfer set up to my personal account, and I will just pay of the credit card each month. I am completely unsure what to do, and I am having difficulty finding information on my own. None of this can be done without my mother. How should I go about this?  <response>: - Step one: Thank your mother profusely. Having funds givento you should not go unthanked.- Step two: Share the burden. Realize that Keeping the money seperate from your personal money is rather petty. If you truly struggle with using the money that is given to you for fuel seperate, you could remove the funds and carry the cash. Or use both your funds and those provided to pay your fees. - Step three: Avoid until you have better discipline with your own accounts. Credit cards, while some can be prepaid with money, often have a soft charge that is applied to them prior to pumping. Meaning that before it allows you to pump it checks that you have 100 availability on the card to prove you wont default. Depending on how much money you have on the card it may not allow you to charge beyond. Aside from this if you charge more than you have on a true credit card, it becomes a liability and a financial burden. I personally think that your learning to manage the money in your personal account is a far greater tool at this point than gaining access to a credit card. This will help you wiht the concept of budgeting and balancing your funds throughout your academic career and put you in a far better situation later in life. Knowledge is power, managing your money and that donated to you is a fair challenge, and using your income wisely throughout your schooling will be a stepping stone to a greater future. TLDR: - Thank your mother- Manage your money or cash out the fuel money- Avoid credit cards until you both understand them and manage your own accounts successfully. 