<prompt> Human: How do you budget if you put all of your expenses on a credit card and pay off your credit card the next month? If I buy groceries this month and I dont technically pay for them next month and this month Im paying for groceries I paid for last month  <response>: I think you are confusing the timing of events. Look at this situation:You and I go to a restaurant. We agree that each of us pays for our own meal.When the time comes to pay the bill, you realize that you forgot your wallet. You ask me to lend you the cost of the meal and youll pay me back the next time we see each other. I agree. As it turns out, we dont meet again for six weeks. When we do, you say, Heres the 20 you lent me for the meal. Ive been carrying it in my wallet to pay you..When did you spend the 20? When you ate or when you paid me back? 