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 # Carrying Debt
 
-Carrying debt on a credit card refers to the situation where you have an outstanding negative balance on the card and do not have the money set aside for paying it off in full when the next bill arrives. We highly recommend you to _not_ do this for any new spending as it becomes super easy to accidentally fall into deeper debt and that you instead follow the [Within the Budget](./index.md) strategy for any new credit card purchases, but in case you're already carrying a negative balance on a credit card we will on this page outline how to safely manage the debt without having to worry about going more into debt.
+Carrying debt on a credit card refers to the situation where you have an outstanding negative balance on the card and do not have the money set aside for paying it off in full when the next bill arrives. We highly recommend that you do _not_ do this for any new spending as it becomes super easy to accidentally fall into deeper debt. Instead, we recommend that you follow the [Within the Budget](./index.md) strategy for any new credit card purchases. But in case you're already carrying a negative balance on a credit card, this page will outline how to safely manage the debt without having to worry about going into more debt.
 
 If you have an existing credit card debt that you need to track and gradually pay off then it's very important that any new purchases you make with the credit card are pre-funded following the [Within the Budget](./index.md) strategy as there is no point in paying off 100 extra on the credit card if you will then have to put another -100 on the card to pay for groceries the week after. Instead you should prioritize making sure that your actual expense categories are funded before allocating money to paying down the debt, which will allow you to ensure that you're paying it off in a sustainable manner without accidentally incurring more of it over time.