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Liquidretro t1_j1zcdgb wrote

Short answer is, that it changes nothing on your actual budget.

Longer answer: I would recommend using a credit card like a debit card, so that for any purchase you make, you are setting aside money so that you will 100% make sure you have the ability to pay the bill in full for the spending you did last month.

Your wording scares me a bit that you might not be a good person to use credit cards responsibly, and that's ok. If that's the case just use the credit card to buy gas or a cheap subscription service, set the bill on auto pay and be done with it. This will build your credit just as fast as if you were to use the card for the majority of your monthly spending.

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BraveCheesecake6090 OP t1_j1zcwxh wrote

I think I chose bad wording, rather I’m looking at how credit should impact the logistics of how the budget is paid/distributed, what things it makes sense to move from one checking account onto a credit card to be paid at the end of the month rather than immediately.

By “wanting to build credit” I just mean having consistent payments and balances month to month rather than say saving the card in case of emergencies or large purchases that would leave dry spells or holes in my credit history.

I do think your explanation though lines up with more of what I meant to say, if I should stop using the checking account for immediate purchases but rather defer them to the credit card and treat the checking account as the “credit card balance budget” that I use to pay off the balance every month

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Liquidretro t1_j1zg5ao wrote

Your system sounds like it will work but I think it's more complicated than it needs to be. Something like YNAB would make this easier in my opinion and less accounts to deal with too.

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