The Money Mindset Podcast

#177 BBMU - How to Budget While Still Using a Credit Card

September 26th, 2023

Are you using your credit card like a debit card for added security and convenience? If so, you're not alone!

In this episode of the Money Mindset Podcast, we explore how to budget effectively when using your credit card for everyday expenses. Discover valuable insights and practical tips for planning your budget by paycheck while maximizing the benefits of using your credit card.

Whether you're a fan of credit cards or prefer a cash-based approach, this episode has something for everyone. Tune in to improve your financial strategies and enhance your money management skills.

Hosting Today:

Hey, I’m Ashley Patrick, a personal finance expert and founder of Budgets Made Easy. I help busy moms create systems to save money and pay off debt so they can reach their big dreams faster and easier.

I was able to pay off $45,000 in just 17 months including $25,000 in student loans in just 10 months. I’m a Master Financial Coach and have a bachelor's degree in psychology and will help you get to the root of your money problems.

Since my journey started I have been featured on Fox Business, Yahoo! Finance, Food Network, USA TODAY, MSN, CNBC, NerdWallet, and many others.

“So if you're really overwhelmed with getting started, how to start, how to manage all of this simpler is better, right? So what I would encourage you to do in that situation is to stop using the card, just use debit, go to cash, like simplify things until you can kind of get a handle on where the money's going, what needs to pay, be paid when. And then once you get in a good routine, then you can start going back to using the credit card.”
- Ashley Patrick

00:54 - Introduction
04:48 - Paying bills with the paycheck budget system
06:41 - Real-life budget example
11:31 - Resetting and simplifying your budget for better control
12:47 - Keeping track of your credit card expenses
19:05 - Paying credit card balance on the closing date vs. the due date
21:32 - Creating a separate bill payment account
31:58 - Checking your credit report
40:46 - Celebrating financial wins

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