11 ways to spend smarter with a credit card

It isn’t always easy to set — and then stick to — a budget though,  and a credit card budget is no different. Read on for tips on budgeting  with a credit card.

Determine Your Monthly Income

To figure out take-home pay each month, budgeters can consult their bank  account or look at paystubs from their employer (typically through an  online portal).

A person can’t budget with a credit card if they don’t have a budgeting method in mind.

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Pick a Budgeting Method

No matter the method, it’s important to track each purchase.

Track Your Spending

Break each transaction into a category, such as needs, wants, savings, or something more specific.

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Categorize Your Spending


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