I use a four-step strategy to make sure credit card debt is never an issue
Most of my credit cards charge higher APRs than the average of 17.67%, including my belovedThe thing is, I haven't carried a balance on a credit card since my late 20s — which was, inexplicably, more than ten years ago!
," I explain the nitty gritty details of zero-sum budgeting, including the fact that it requires you to give every dollar you earn a purpose. You also plan out every dollar you spend before the month starts, which helps you avoid waste and avoid impulse spending on stuff you don't really need.of budget you use, planning your monthly spending can help you avoid debt.
Making a payment toward my credit card balances helps me keep track of how much I have left to spend in categories like food, entertainment, and transportation. Paying my bills more than once per month helps me stay organized and internalize how much I've spent.
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