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Tag

Credit Cards

Why I’m Thankful For My Credit Card Debt

You might think having credit card debt is all bad, but for me: there turned out to be a valuable silver lining.

Erin Lowell
|
November 25, 2020

4 Lessons From My Zero Percent Nightmare

I thought I was entirely in control of my credit card spending, but it is a serious head game and no one is immune.

Lindsey Burgess
|
November 11, 2019

How to Manage a Credit Card, Any Credit Card, in YNAB

A quick walk-through on how to use credit cards in YNAB, stay on budget and finally crush your debts. It's all possible, and here's how!

Shannon Marie
|
January 23, 2019

Are Credit Card Rewards Worth It?

Before you play the credit card rewards game, do your research. Make sure it’s worth it. Sometimes, it's safer to stick with "real" money.

Shannon Marie
|
October 24, 2018

My Crazy Ride on the Credit Card Float

If you’re on the credit card float, you’re effectively living on next month’s income! And, chances are, you're stressed. Learn how to stop.

Janelle Whitaker
|
August 1, 2018

What is a Good Credit Score?

For a good credit score, do your best to pay your bills on time, pay off your debt and only apply for new credit if you really need it.

Ashley McCann
|
July 11, 2022

Beware of the Debt Magnet

Make a rule that will save you an enormous amount of stress and money: you can buy anything you want, as long as you budget for it first.

Shannon Marie
|
April 30, 2018

YNAB Credit Card Handling: New & Improved

Based on feedback and testing, we’ve made some tweaks to improve the way that YNAB handles credit cards. Jesses explains ...

Jesse Mecham
|
October 4, 2017

How to Do Credit Cards in YNAB

Wondering how to do credit cards in YNAB? See how to set them straight in your budget and finally pay off that pesky balance.

Rachel Wong
|
November 11, 2021

How To Improve Your Credit Score

There is no shortage of content on the Internet about how to game your credit score. This is not one of those articles.

Jesse Mecham
|
September 6, 2017

Credit Cards In YNAB: The Long Read

Trying to understand the underlying logic behind credit cards in YNAB? We're going to take a short history lesson back to the 16th century.

Jesse Mecham
|
April 13, 2016

Ways To Avoid Holiday Credit Card Debt/Regret

You can minimize—even eliminate—holiday-induced credit card debt. Here are a few ideas, I’ve been mulling over this year...

Lindsey Burgess
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November 28, 2016

Are Credit Cards Bad?

Credit cards aren't inherently bad. People using credit cards can get themselves into trouble. Credit cards themselves? They aren't the problem.

Jesse Mecham
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June 16, 2015

How to Get Out of Credit Card Debt: 3 Steps to Follow

If you're wondering how to get out of credit card debt, I've got some good news: you can, if you just follow these three steps.

Jesse Mecham
|
June 30, 2005

Advantages & Disadvantages of Credit Cards

95% of all credit card holders would be better off financially without ever having their credit cards in the first place.

Jesse Mecham
|
May 4, 2005

Are You Riding the Credit Card Float?

Are you riding the credit card float? Here's a quick test: can you pay off your current bill AND meet your current obligations?

Jesse Mecham
|
October 31, 2023

3 Ideas to Avoid New Credit Card Balances for the Holidays

I’d guess “Christmas” is the second-most mentioned Rainy Day category in any discussion about the You Need A Budget (YNAB) philosophy of money management. I’m afraid many families start the new year with a serious holiday hangover in the form of fresh credit card balances.

Jesse Mecham
|
December 12, 2013

Should I Pay Off My Credit Cards or Max Out My 401k?

In the unending “pay off debt first or start investing” debate, I’ve learned about a small wrinkle: If your employer matches your 401k contributions, you earn an instant 100% bonus on every one of those dollars. In the worst of scenarios, your credit card company is charging you interest in the high 20s.

Jesse Mecham
|
November 6, 2013
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