Quote from: jokers10 on Today at 11:30:53 AM

Quote from: Lida93 on May 01, 2023, 08:49:36 PM

...
There certain times that having the card could be a life saver where your cash is exhausted and you just remembered you needed to get something very needful at home. One just have to discipline himself to spend based on scale of preference be it with cash or card. Simple.
...

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.

it all depends on ourselves and of course only we ourselves understand how we manage money, I think the presence or absence of a card is the same because all of us manage it ourselves but there are limits that some people cannot control so often unpredictable loss of control.
for me personally who can't control money well, I don't like using cards because I've tried to do it and it's very detrimental for me.
controlling finances, not everyone can do it right, that's why it's important to keep or limit yourself so that things don't happen out of control.