Research shows you spend more if you have credit cards. Cut them up - save first then buy.
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I think the key is having a budget. People over spend because they have no plan regardless of the means of currency.
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I pay my CC off each month. Use the rewards at Christmas.
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If you treat your credit card like a debit card and pay it off every month it’s far better bc you get rewards plus it’s much easier to handle any fraudulent activity...
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I stopped using credit cards and loans in the early 90’s after an ex opened up several lines of credit and took out loans in my name to the time of more than 100k. Best thing I ever did.
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Always plan to spend under what you can afford.
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Money makes a better servant than master
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Don't vote dems who want to tax wealth. Your savings will be gone
End of conversation
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