credit card Archives - Our Bill Pickle

6 tips for budgeting with credit cards without adding new debt

January 14, 2020

How to budget with credit cards without adding more debt

The idea of budgeting with credit cards may seem like an oxymoron, but it doesn’t need to be.

For many in the debt-free community, cash is king. It makes sense, especially if you struggle with credit card debt (and a lot of people do. For example, a recent report by TransUnion revealed Canadians racked up $100 billion in credit card debt in 2019. Yikes!).

But what if you don’t struggle with credit card debt? Is it possible to use a credit card as a budgeting tool to earn rewards without adding to your debt?

I think it is. Here’s why.

6 common budget problems (and how to fix them)

January 9, 2020

Six common budget problems (and how to fix them)

Whether you’ve been at it for years or it’s your first time, common budget problems can — and do — pop up from time to time.

It can happen to anyone but thankfully, there is good news: it does not need to be a major setback!

Are you struggling with your budget? The start of a new year is a great time to really dig into ways to make your system better.

To help with that, today I wanted to talk about some common budget problems you could be facing — and what you can do to fix them!

Eight personal finance confessions

December 12, 2019

Personal Finance Confessions: We are spending money we don't have yet

Welcome to another edition of personal finance confessions — a totally irregular recap of things that you might not know about how I’m managing my money lately.

This is the second time I’ve done a post like this (you can find the first one here). Last time, I had four personal finance confessions to share; this time, we’re up to eight.

And, like the first time, I still think calling them personal finance confessions is a bit dramatic, but…I’m going with it.

Found a lost credit card? Here’s what to do

October 10, 2019

Found a lost credit card? Here is exactly what you should do next.

Found a lost credit card and wondering what to do with it?

This is a situation I found myself in recently. As a person who has lost a credit card before, I knew leaving it on the ground was not an option, but I was not sure what I was supposed to do.

In the same boat? Here’s the story of what I did and why.

Three things to do after going over budget

June 25, 2019

Confession: we went over budget in June.

In my first post , I promised to be honest — and it doesn’t get much more transparent than this.

Staying on budget is not something we struggle with most months, but this month was different.

Needless to say, it’s not something we want to repeat. With July around the corner, here’s what we’re doing to make sure next month is more successful.