[abh19]

It's important not to let folders take over too much of the job of contexts. I have that tendency... the desire to compartmentalize the usefulness out of everything. So, one thing I try to keep in mind is that it's best to have the least number of folders possible (just as you try to have the least number of contexts possible).

Projects without next actions aren't very useful because they don't show up in context mode. Plus, as DA says, you can't do projects, only actions. So, in the finances folder, I would create a single project called Manage Credit Cards and for each credit card, make a repeating action whose start date is the date you want it to show up on your radar. You can also add other actions or action lists to this project when necessary, like "call to opt out of information sharing for xx card."