What are 5 things to consider before buying groceries with my credit card?

Are you feeling trapped in a cycle of credit card debt, especially when it comes to everyday expenses like groceries? Ralph Estep Jr. tackles this issue head-on, sharing five crucial considerations for using credit cards wisely without falling into debt. From the importance of maintaining an emergency fund to understanding the impact of credit utilization, Ralph provides practical strategies to make credit card perks work for you instead of against you. He shares real-life stories from clients who learned valuable lessons about budgeting and spending, emphasizing the need to track every purchase and set up automatic payments. Join Ralph as he guides you through creating a solid financial plan that lets you enjoy the benefits of using groceries with my credit card without the stress of accumulating debt.https://www.askralphpodcast.com/groceries-with-my-credit-card/Podcast Timestamps: 00:00 Episode Overview00:48 Listener’s Question: Struggling with Grocery Expenses on a Credit Card01:47 Bible Verse: Proverbs 22:7 – Financial Discipline and Debt02:16 Eye-Opening Stats on Why Smart Credit Card Use for Groceries Matters04:57 Five Crucial Considerations Before Using Your Credit Card For Groceries14:27 Big Takeaway15:27 Call to Action16:57 Action Steps You Can Take to Help Manage Credit Cards Wisely19:21 ClosingTakeaways: Before using your credit card for groceries, consider building an emergency fund to avoid debt cycles. Tracking your grocery spending can lead to significant savings and help you stick to a budget. Maintaining low credit utilization is essential; aim to keep it below 30% for better credit scores. Creating a dedicated grocery budget helps you plan your purchases and avoid impulse buys. Setting up automatic payments for your credit cards can prevent costly late fees and interest charges. Using credit cards wisely can earn rewards without incurring debt if managed properly. Links referenced in this episode:http://www.askralphpodcast.com/christmashttps://www.bankrate.com/credit-cards/news/credit-card-debt-report/Ask Ralph Insiders Community https://mailchi.mp/askralph.com/groupAsk Ralph Show Live https://askralphpodcast.com/liveWhat is your question that you would like to ask Ralph? Send Your Question here: https://justaskralph.com/ Join our email list and get a free copy of “Mastering Your Finances” at https://askralph.com/Companies mentioned in this episode: Amazon Bankrate Costco LISTEN NOWWATCH NOW ON YOUTUBE (OUR VIDEO VERSION)WATCH NOW ON RUMBLE (OUR VIDEO...

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2025 Best Christian Finance Podcast in the U.S., awarded by Best of Best Review. Money isn’t just about numbers — it’s about confidence, stewardship, and faith. If you've ever felt stuck in the cycle of financial shame, you're not alone — and you don't have to stay there. Welcome to Financially Confident Christian, where we blend Biblical wisdom, practical financial strategies, and daily encouragement to help you break free, build lasting confidence, and honor God with your resources. Hosted by Ralph Estep Jr., a seasoned financial coach with a heart for ministry, each episode offers real-world steps you can take today — no complicated jargon, no judgment — just real hope and real help. Whether you're climbing out of debt, learning to budget with purpose, or dreaming of financial freedom, this is your place to start. One step. One decision. One prayer at a time. Your story isn’t defined by your past. It's shaped by your next faithful step. Let’s walk this journey together.