Search Results: credit cards

Master Credit Cards with your Budget

If your use of credit cards (and the resulting balances!) is stressing you out, we can teach you how to handle a credit card wisely in your budget and ultimately, eliminate that stress and uncertainty.

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How to Do Credit Cards in YNAB

To truly understand how credit cards work in YNAB, let’s start at the beginning: 15th century Italy (I just like to be thorough). In case you weren’t lucky enough to study accounting in school, like I did, in 1494, Luca Pacioli published an encyclopedia of math that included a description of Give Every Dollar A …
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Untangling Credit Cards In YNAB

True Confessions: I never use credit cards. I have no problem with credit cards. I used to use them exclusively—airplane miles!—and then pay one big bill at the end of the month, but when I got married my husband was scared of them, (or me with them, I’m not entirely sure). For better or worse, …
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Making Sense of Credit Cards

Once you really start budgeting, at some point, you will have a scenario where things get a little more complicated. (Credit cards, anyone?) Today I want to step back and talk about what the budget is, conceptually speaking, and how to think through your money, to give you a framework for how to navigate your …
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The Why Behind Credit Cards In The New YNAB

Today and maybe for the next couple of Wednesdays, I want to talk about accounting. I want to pull back the curtain a little bit and explain some of the changes that are coming with the software. There was an Italian guy from the fifteenth century that came up with double entry accounting. And the …
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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. The Big …
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Could you cut up your credit cards?

Yesterday Chance (YNAB COO) and I were sitting in the office discussing the gravity of yesterday’s post, and addiction in general. It got us on the subject of my old post on debt addiction, and how I manifest something like 11 of the 15 signs of being addicted to borrowing. The topic of credit cards …
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People are Paying Off Their Credit Cards

Read the entire article here (may require a WSJ membership) The title of this article in the Wall Street Journal is extremely misleading. You have to love hearing from the creditors’ perspective though. Apparently, in the past when “interest rates crept up…fewer cardholders could afford to pay down balances.” Richard Srednicki, who runs the CC …
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Advantages & Disadvantages of Credit Cards: Are You Even Ready?

The debate rages on across America. What are the advantages to certain credit cards, what are the disadvantages? Shouldn’t I be using at least a card that gives 5% cash back on gas and groceries? A gallon of gas, normally costing $2.25, would now only cost $2.14. A gallon of milk costing $3, would now …
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