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Trouble sticking to a budget when using credit cards for day to day transactions?
If you keep going over budget with your credit card, then stop using the credit card. If you plan to pay off the card every month, then your balance should always be under whatever your budget is.  For example, if you budget to spend $500, then even though your card has a limit of $5,000 you will never carry a balance of over $500.  Most banks have an option to email and / or text message you when you pass a certain balance threshold; in this instance, you would set two notices, one when your balance exceeds $400 (warning you that you're close & need to start paying closer attention), and one when you exceed $500. Additionally, maybe you aren't ready to pay for everything with your credit card.  I prefer to use mine just for groceries, and then pay it off at the end of the month.  Whatever rewards you get for putting all of your purchases on the card are more than paid for when you cross your budget limit, costing you more in interest and fees.  Perhaps starting with just one type of purchase (groceries or gas are good choices, as most consumers are fairly consistent in their purchases of both) would allow you to ease into using the card until you get used to managing your budget with it. Personal finances are all about behavior, not knowledge.  Don't worry too much about slipping up right now and making a mistake; just keep practicing good behavior with your credit card, and soon managing your budget with it will be as natural for you as when you only used cash.