@thebudgetmom: Credit cards aren't good or bad. How you use them determines the outcome. Welcome to Money School! 🎓 This is LESSON 18 of my 30-day series to finally understand money, where I'm teaching one money lesson in under 2 minutes. I don't believe everyone should have a credit card. And I don't believe everyone should avoid them either. I think a credit card makes sense only if you can honestly say: ✔️ I follow a budget consistently. ✔️ I pay my statement balance in full every month. ✔️ I don't spend more just because I have available credit. ✔️ I don't rely on a credit card to make ends meet. If you aren't there yet, that's okay. You're not missing out. In fact, after I paid off all of my debt, I didn't use a credit card for almost five years because I wanted to rebuild my spending habits before introducing credit back into my life. The rewards can wait. Building healthy financial habits can't. That's what creates long-term wealth. #moneyschool #creditcards #Budgeting #financialliteracy #PersonalFinance

thebudgetmom
thebudgetmom
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Wednesday 19 August 2026 21:48:20 GMT
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sidehustlegirly888
sidehustlegirly :
I think a lot of people think it’s just free money. And then they get the bill in the mail and realized that they can’t pay it. Also, they’re just not using it responsibly
2026-08-20 19:35:58
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delusional.trucke
JP | Money Moves :
Haven’t used my debit card in a good little minute. My CC is my debit card 🙌🏼
2026-09-05 00:16:46
0
ajcwvu
Slider the Boston Terrier :
This is so true! I have finally gotten to a point in my life that I have a rewards credit card that I use for most purchases, but I IMMEDIATELY pay it back using the app, after the purchase. It’s a double step process, but I am making actual cash back, which if used right, is free money. I also have that card set as my auto pay card for most of my bills as well, and keep track of how much is deducted each month, and pay it all back at in one payment. As opposed to having smaller payments coming out of my bank account at various times during the month. There was definitely a time that this would not have worked for me.
2026-08-24 17:56:17
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bubblesandliliessoaps
Bubbles & Lilies Soaps :
how did you pay off your debt? help me
2026-08-23 20:40:11
0
debbieowen303
debbieowen303 :
I can’t trust myself with a credit card. April was 6 years for me.
2026-08-20 16:02:35
1
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