Debt Payoff and Credit Card Usage
Hello fellow YNABers. I’m hoping you can offer some advice on how to handle my situation.
I’m currently paying off some debt and have been successfully using YNAB as intended. However, some of my debt is on credit cards, and I have several monthly budgeted transactions going to those cards. I’m also making the minimum payments on those cards.
I’m torn between switching to my debt card for these budgeted transactions and continuing to use the card while gradually reducing the monthly payments. My main concern is the security of using a debit card versus a credit card for these transactions. Since all the transactions are budgeted, I’d appreciate any guidance you can provide.