2013-08-01, 03:57 PM
Dusk Wrote:I'd disagree on this point, credit cards are great if you have a budget. I exclusively use my credit card to pay for everything, and I pay it off at the end of every month. The money sits in my account longer and I get rewards, which have totaled to over $100 so far this year.
My problem is i don't actually have a budget, and although i'm getting used to paying my rent every month, a credit card would probably get me into trouble for that reason.
Maybe once i get into those better spending habits where i develop a budget then i'll feel safe enough but i don't feel that getting one before that will help me keep track of one. Although i could see it doing that if it like scares me into it but that doesn't sound fun lol.