 TITLE: How to Budget Using a Credit Card CONTENT: Strategies for Budgeting Using a Credit Card\n--------------------------------------------\nNo matter which budgeting method you use—and we'll offer a few suggestions below—your credit cards can be a powerful tool for financing purchases over a period of time. Just be sure to keep interest costs in mind and make all your payments on time.\nAlso, be wary that relying on credit cards can encourage overspending. If you have a history of making charges you can't pay off within a few months, it may be best to limit the number of purchases you make with credit.\nWhen using credit for everyday spending, it's ideal to pay off your balance each month; if you can't, aim to carry a balance of no more than 30% of your credit limit. That will limit the negative impact of credit utilization on your credit score. END