Alternate take, always use a credit card. Pay it off in full every month. Enjoy your good credit score and card rewards.
Side advise: almost NEVER use a credit card. Only crack it when you are on a real pickle that needs to be solved asap.
Alternate take, always use a credit card. Pay it off in full every month. Enjoy your good credit score and card rewards.
Or just be responsible and pay it off in full every monthSide advise: almost NEVER use a credit card. Only crack it when you are on a real pickle that needs to be solved asap.
ThisAlternate take, always use a credit card. Pay it off in full every month. Enjoy your good credit score and card rewards.
Alternate take, always use a credit card. Pay it off in full every month. Enjoy your good credit score and card rewards.
"Money is precious."
Right now daycare x2 is cutting into my spending budget but in a few more years once those payments and 2 car payments are done I'll be a bit less strict on spending.
I use my credit card on absolutely everything possible. If not I use paypal 6 month /w no interest and make sure i pay it off in full at 5 months.
My other self imposed rule is that I do not make any big purchases until my checking is over $10k (i know that is way too high and I'm not making any interest off of it but my savings account is a no touch unless we lose our jobs or a medical emergency)
Missed out on Ynab classic eh? I won't pay them for a yearly sub.YNAB.com really saved me. My wife and I have been struggling with our finances ever since we were married, but their budgeting software was the first thing that actually worked for us. It's relatively expensive, especially when compared to the free alternatives, but I will gladly pay the fee every year, because it's really changed our lives.
Alternate take, always use a credit card. Pay it off in full every month. Enjoy your good credit score and card rewards.
Exactly the same here, living as a student on $220 a week is pretty tricky, if I'm frugal enough tho sometimes I can manage to put aside $5-10 into my savings, which I'm happy about because there's been a few times school has told me that I had an extra charge on my account so I needed to pay it, for example I had to redo a test for a third time, it was either pay $100 or $1,100 for the whole course, so thankfully I was able to get that money relatively easy without having to sacrifice food or bills aha, woo!I cannot ever imagine spending to the point that i dont know what my accounts are doing. Every day i check them, and im meticulous in tracking my payments. Have never had an issue. Also recommend keeping a spreadsheet of all your expenses to see how much a month you spend.
This is a better takeAlternate take, always use a credit card. Pay it off in full every month. Enjoy your good credit score and card rewards.
Meh I see this a lot but I'm more focused on saving money. ... I've looked into things like Costco corporate and I wouldn't even make my money back on it. They try to upsell you " just buy your house insurance here ". Yeah no.
I feel having a rewards card often becomes a driver for spending more than you need to id rather just keep it .
Horrible advice for anyone living paycheck to paycheck instead only use the card for bills and gas and pay instantly.
If you can't budget and pay off your credit cards every month, the best thing to do is introduce them to scissors.
If you max out the card and it's a lot more than you make weekly it'll be difficult to get the balance back up.If you're more focused on saving money, why are you leaving money on the table by not using a credit card then? Just use it like you would any other spending method and reap the rewards. Don't treat it differently, especially if you're just going to use a debit card instead. Nobody should be treating a credit card differently from a debit card.
Why does living paycheck to paycheck change anything? In fact, if you're living paycheck to paycheck, that's even more reason to use a credit card so you'll save more money. Use a credit card like it's cash or a debit card, spend exactly the same way you would anyway, and reap the benefits. There's no downside to it if you treat it exactly like you would any other method of payment and would be buying the same exact things. What difference does it make if I have to spend $5 with debit anyway and I put that $5 on a credit card instead? The $5 has to be spent, so I might as well get the benefits. A credit card isn't a license to spend more money.
If you max out the card and it's a lot more than you make weekly it'll be difficult to get the balance back up.
Missed out on Ynab classic eh? I won't pay them for a yearly sub.
No rewards would make a lot of sense as to why they're not popular, if that's the case.Creditcards rewards are almost non-existent in Europe AFAIK. which might be why creditcards aren't very popular over here.
I don't think people like the idea of spending cash they don't actually have either.
Lol I'm not I'm just saying it's a possibility and it's why you have to be careful with credit cards.Why are you maxing out your card and spending beyond your means?
"Money is precious."
Right now daycare x2 is cutting into my spending budget but in a few more years once those payments and 2 car payments are done I'll be a bit less strict on spending.
I use my credit card on absolutely everything possible. If not I use paypal 6 month /w no interest and make sure i pay it off in full at 5 months.
My other self imposed rule is that I do not make any big purchases until my checking is over $10k (i know that is way too high and I'm not making any interest off of it but my savings account is a no touch unless we lose our jobs or a medical emergency)
edit: i also sell everything on letsgo or Era's B/S/T thread. Most times i fund my purchases by unloading old items i have no use for.