A financial plan is important, but very few of us have one. It's because we think that we need to meet with a financial planner to get one and who has the time or the money to pay someone for a "plan?"
Does using credit cards on a zero-based budget seem like an impossibility to you? It did to me at first, too. As it turns out, credit cards work extremely well with our YNAB zero-based budget. In fact, it's probably the safest way to use a credit card!
Learn How to Create a Budget - Even When You Are Broke