But if you have the discipline, they’re an excellent budgeting resource. When you think of budgeting, you may imagine allocating cash in separately labeled envelopes or crafting complicated spreadsheets with various colors and fonts.īudgeting can mean those things - but did you know that credit cards can be one of the most potent budgeting tools? It sounds counterintuitive since unsecured credit lines can too easily tempt many cardholders to overspend rather than save.
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