Wife and I are planning a family vacation to Canada, and we found a killer deal on airfare for the family. As a person who had a lot of debt at one point, I am usually not inclined to charge things like that. But in this case, I know I have a bonus coming in a few months, and I can pay off the airfare before vacation. With the budget planning help we’ve found online, we’re ok with charging a few things, because we have a plan for paying the cards off right away. So far, it’s working. If you want budget planning help, it’s easy to find tips online to how to draw up a budget, set money aside for debt, and most importantly, how to use your budget to get OUT of debt. We went through credit counseling and it helped a lot, but we don’t plan to do it again. That’s why we think about things like using the charge card to buy airfare before we do it.