Oh, I know one guy who spent twice of his monthly budget when started using a credit card. It is much easier for him to stay in budget if he uses cash only. Of course we can say that everyone should be careful with expenses and other things like that, but if he can easily manage cash and has problems with cards why to make him using cards? Each of us has our own characteristics and it is good to know ours and use them as wise as possible. I'm okay with cards, he's not, so we can use different tools but still stay in own budget, right? I think everyone can manage own money the way it easier for them as long as they stay in their budget and don't need help with that.