Newbie here working on my budget: Goal is to pay down hefty credit card debt. Working on my budget and realized my bills are making me super poor. Is it bad to put ONLY gas and the occasional prescription on a credit card and do the rest of my budget with cash? Not sure I can get by without putting at least something on a card. :/ (Yes, I've learned my lesson(s) and won't be frivolously spending/comfort buying. )