My Credit Card Is My Single Most Powerful Budgeting Tool

"All my regular bills are charged to my credit card, reducing the number of due dates I have to remember from a half-dozen to just one. I don’t know or care when my Netflix, or cellphone bills come in — they are all automatically charged to my credit card and I know when my credit card bill comes due!"

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-------- PS: This is what I, J. Money, does too for budgeting. FYI though: "If you owe a balance on your credit cards, DO NOT USE THE CARDS JUST TO GET REWARDS. The rewards don’t negate what you pay in interest, so you’re still operating at a loss. Put the cards away, kill the debt, and when you’re down to zero wait a full month, and then you can start using the cards again." [Photo cred:]