Hi! i’ve had a credit card for a little over a year now. (i’m 20). I have the discover student card, apple credit card, and I just recently got the amex one. I’m pretty good financially. I only use the credit cards but I never go over my usage limit and I pay it off all the time. Kinda just every few days whenever i know i’ve spent some. I don’t pay it off routinely. My credit score is around 710 i think.
I have a hard time budgeting tho. and im not sure how to fix it.
With a debit card, it was easy to budget. All of my paychecks went into my checking and then i did a percentage for how much i wanted in my savings. after that, i had 2 weeks to spend the checking amount however i wanted. obviously that was when i had no bills to pay or rent so it was just on food or stuff that i wanted, hanging out with friends etc. when i ran out of money, i LITERALLY had no money to spend. now i find it sooo hard to budget because when i use my credit cards im not writing down each amount that im spending. i use it the same amount as i would a debit card but since its not coming directly from my bank account its hard for me to know how much i have to spend. IDK. does this make sense? i rlly need help. i feel like i spend a lot and don’t save much
Submitted May 20, 2024 at 12:24AM by Nervous_Crew6603 https://ift.tt/kxlQCJf
