Hey Hey Funders!
There’s a lot of talk online about “hacking” your credit card for points. And I get it — those points can pay for flights, gift cards, even your next Target haul.
But let me say this: if you’re not budgeting, you’re not hacking — you’re hustling backward.
I use credit cards for some bills. Not because I have to. But because I have a strategy.
I know when my billing cycle closes. I know when to pay it off. And I know exactly what’s going on with my cash flow before I swipe.
Too often, people swipe without a plan and wonder why they’re carrying balances they can’t shake.
The U.S. is sitting on $1.3 trillion in credit card debt right now. And the average APR? Over 20%.
This isn’t just about money. It’s about stress. Shame. Feeling stuck. I want points and positioning for you friend, no pain from the hacking biting you in the ass.
That’s why I wrote a blog post:
"How To Pay Bills With A Credit Card (The Right Way) Without Going Into Debt”
Inside, I share:
- The real checklist before using a credit card for bills
- Why syncing your credit card spending with your payday matters
- How to avoid the trap of “chasing points” with money you don’t actually have
Mind you — if want to know MY money business — my YouTube video “5 Money F*ck Ups I Made (And What I’d Do Differently Now)” pulls back the curtain on the lessons I learned the hard way.
Back to your plan for the points! My bad. You can use your credit cards. But do it with a plan, not panic.
💬 Question for you: What’s one credit card decision you made that you wish you could go back and re-do?
Read the blog + catch the video (and subscribe). Learn how to swipe smarter!
I love giving and swiping on money advice, I just want you to measure twice, cut once when it comes to creating your money roadmap.
What’s some of my content that’s connected with you lately? Reply back and let me know!
Psst - with the headlines talking about layoffs... I think you might need my new guide.
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