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Ynab budgeting new credit card debt7/6/2023 ![]() The budgeting software that forever changed our budgeting is called YNAB (pronounced “why-nab”), short for You Need A Budget. You are excited that you can have an awesome, functional budget and still have the perks of credit cards. You pay your credit card in full each month, before it accrues any interest or fees. You like the convenience, safety and rewards that a credit card provides. If you’re still reading, I imagine you are like us. If you are deep in credit card debt, stop reading this and choose one of these awesome articles on debt. If you are uneasy about using credit cards because you’ve been irresponsible in the past, don’t start using them now. We all know that abstinence is always safest when it comes to credit card use. In fact, it’s probably the safest way to use a credit card! A Quick Disclaimer I thought you had to use a cash envelope system to make a zero-based budget work.Īs it turns out, credit cards work extremely well with our YNAB zero-based budget. ![]() ![]() Does using credit cards on a zero-based budget seem like an impossibility to you? It did to me at first, too.
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