This is a very simple concept and will alleviate most of your money struggles and marriage arguments.
Credit cards are a tool when you are in a great need. It is always best to play them off each month.
What credit cards are not, is being your money! They are not your income or your entitlement, they are not what you need or what you deserve. When we get this, we will be on the right track of money management.
This is all about telling your money what to do, not allowing your desires to ‘defund’ you. If you can’t manage a credit card, do not have one. Stick to a debit card and have a good budget to guide you.
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