<human>: Could you distill the essence of the text into 1-3 sentences?

Trying to create a budget to be more responsible and track my money. Right now, I have created a spread sheet for a basic budget consisting of Income for the next month, Fixed expenses for the next month, variable necessary expenses, and a savings goal for the month. My spending budget is calculated as follows: Income-fixed expense-variable necessary expenses-savings goal (i dont like to catagorize my spending beyond necessities because non-necessities vary quite a bit month to month and I would just like a bottom line for how much I have for fun after all of the necessities). Now, for the following month I am returning to college and continuing my work study job, which is guaranteed (unless i mess up which is hard to do). Basically, I know how much I can be 99% sure I will be getting in september and every month I am in school. 

I have a credit card. Is it wise to budget an amount to spend on it and include it as an expense in September's budget?
<bot>: making a budget, wondering if budgeting an amount to spend on a CC this month based on next month's income is wise.