Many financial experts, particularly those who favor the cash-only budget, (check out my thoughts on that topic here) suggest that credit cards are very bad for budgeters and recommend against them. Those who are new to budgeting think that the first step to budgeting is to cut the cord with the credit cards. However, in my experience, I’ve found that credit cards have done wonders for our overall finances…but only if you know how to use them. Need a great way to track those credit card bills? We use this awesome bill tracker to make sure that payment gets made! Download your FREE printable here! Want something a little more…