I think what they were saying is that you should create your budget independent of your credit. E.g. your income of $x,xxx with $xxx going into savings, $xxx for expenses, etc. The only time your credit comes into play is using it to pay for those already budgeted expenses. I cannot stress enough that you should only put what you can pay off immediately on your credit card to avoid carrying a balance and creating debt. Even by putting small purchases on your card will build credit if you pay it off in full at the end of the cycle.
FerrociousButtn t1_j1z9nv4 wrote
Reply to comment by BraveCheesecake6090 in How to incorporate credit into budget? by BraveCheesecake6090
I think what they were saying is that you should create your budget independent of your credit. E.g. your income of $x,xxx with $xxx going into savings, $xxx for expenses, etc. The only time your credit comes into play is using it to pay for those already budgeted expenses. I cannot stress enough that you should only put what you can pay off immediately on your credit card to avoid carrying a balance and creating debt. Even by putting small purchases on your card will build credit if you pay it off in full at the end of the cycle.