Monitoring My Expenses

I’m now closely monitoring all my expenses especially the ones that are incurred using my credit card because I don’t want to overspend and be denied to use my card for emergencies.

I need to do this because my credit card provider sends my bills late like a month delayed. I know I should change my credit card provider but I don’t want to go through the long
credit card processing.

Also I have a lot of reward points and perks from my present card so I don’t want to start from scratch.