Having easy access to credit doesn’t mean that you don’t know how to budget. However, having a credit card is a great way to start a budget. When it comes to picking out your provider you have to be smart. If you know you love shopping, and is always using it, your best bet is to get a credit card that comes with rewards. There are many to choose from, from travel points to cash back. The great thing about this sort of debt is that you already know the balance that is on the card, so planning a budget around it is easy. For backup cash put aside at least one of your credit cards just in case of an emergency. With this card, you can withdraw funds from an ATM, and pay emergency medical or car bills. An excellent way to save on everyday expenses like gas is to get a card that offers a discount on gas, every time you use your card. The offerings are changing, they are no longer basic, and they offer more than just an extendable amount of credit. They are a lovely method to join reward memberships, and get cash back or other rewards on everything you buy.