A quick note on credit cards. Credit card payments should not be budgeted for. Even though you are paying for your credit card (which you should be paying down in FULL every month), it’s really just acting as another account. Therefore, treat credit cards as alternative accounts, rather than categories in a budget. Think of paying down credit cards as transferring money from one account to another. Bottom line: Don’t have a category for credit cards. It could mess up your budget!