^
I also use my credit cards for almost everything, and I incur no annual fees.
Not only does this help with my budgeting, but–as Fender1325 mentioned–it also gives me consumer protections that are simply not available to those who pay with either cash, check, or a debit card.
And, for those who think that I am courting “financial ruin”, I have always paid-off the balances in full each month, and I never charge more than 5% of the credit limit that is permitted on each card.
Clearly everyone should do what they perceive to be in their best financial interests, but for those of us who actually have the self-control to limit our spending (and who invest the rebates, with very pleasing results), this is truly a no-brainer as far as I am concerned.