On my Instacart account, the charges all go onto my credit card. I give the shopper/delivery person a nicer tip if I receive everything I asked for, and if I get the items fresh, and then that's a 2nd charge on my credit card. All my food goes onto this one credit card, and then I pay for it in full when my check comes from social security. That's how I budget. It's been working for me this way anyway.