I Went 31 Days Without Using a Credit Card. [October 2023 Monthly Money Recap]
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- เผยแพร่เมื่อ 27 ก.ค. 2024
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I tend to put everything on my credit card and fully pay it off at the end of the month. Things like cashbacks and buyer protection is what makes me use credit cards, not the credit.
Me too
Same!
Same here! The cash back I get always goes to pay off my cards
If you have a high balance the day report is made, it will get reported as high credit utilization. It’s not helping
Same here plus the convenience
Ok so my two cents! I hate using my credit and debit cards.. I so agree with Dave.. using cash has changed my view on budgeting. Yes I pay most of my bills on line but for food..gas..holidays etc it’s all about cash. When my envelope is empty no longer money to spend. I love spending cash so much I opened an Etsy shop selling items to save cash in
Great comment, and that is a smart way to do it. What I do, is to only put "X" amount of money into the account my debit card is linked to. (My savings is a different account).
I discovered Mint through this channel and switched last week. And let me tell ya, it really was the easiest switch I've ever done (both decision-wise and process-wise) and I cut my phone bill by 70%! Everyone in the US should do this, and hopefully they'll expand to Canada one day so you can too. Keep on making brilliant content!
Also, happy birthday!! 🎉
She's canadian by the way. So she really has no clue what she's advertizing for Americans. Glad the mint is good for you though.
I also switched to Mint and it works really well. I've been on the plan for about a year and live in California. No issues here.
My area of California isn’t covered by Mint. 😞
There are many alternatives to Mint that have the same great rates, do your research!
I've also looked Into mint
I think the friction of cash is good for people other than you. It is a good starting point to revise the way someone thinks about their spending. Appreciate you taking a look at it and being super transparent.
In my experience once the cash is out of my account and in my hands there is no friction at all. The hassle of acquiring cash also means that to avoid constantly going to the ATM I'd end up drawing larger amounts at time which decrease the friction of spending cash further and lead to higher spending.
poor Levi :( get well soon my dude! we are cheering you on!
You’ve quickly become one of my favorite channels! Love the down to earth vibe- it’s counter-cultural in such a refreshing way. Thanks, Nicole!
Thanks so much 😊
I was a new mom in the 90s. Credit cards and debit cards weren't used as much in grocery stores. I used cash or check, and carried a pen and paper to make sure I didn't go over budget. It definitely reined in the impulse spending on groceries and other stores as well. Honestly, we probably ate better then, because whole foods are way cheaper than convenience foods.
I've often thought about going back to a cash system for grocery shopping to give our retirement savings a boost, but as you mentioned, it is definitely more work than using a card. We are debt free, mortgage free, and have retirement pension to look forward to, but hope to partially retire at 55. I might go back to cash at the grocery store so we can meet our goals.
Always strange to me that there are places that took so long to adopt credit cards. We've been using them for groceries since the 70s. My credit card reigns in my impulse to spend more than I could afford, because I have a sensible credit limit on my card.
@@loganmedia1142When I was younger I think people viewed credit card use at the grocery store as someone living on the edge and didn't have money to buy food. You just didn't see them used much in the 70s and 80s at the grocery store, at least out west where I lived. Maybe it was because people very routinely carried balances on their cards and paid high monthly interest fees. I can't see paying finance charges on food.
Today I use credit cards for everything I can, simply because of the protections and cash back. But I remember feeling "weird" the first time I used my credit card at the store because of the memories of my youth.
At one time, gas used to be $.05 a gallon more when you used credit. I wonder if those days will come back, in which case I'll go back to cash on those purchases that charge a credit "convenience fee".
I remember when credit cards were not accepted to pay for groceries.
@@davidweum I remember that time. I also remember what it was like to wait in line behind someone writing a check, usually a couple to few minute ordeal.
Then came the first check writers, made everything speed up as it printed out everything on your check, you just signed it.
Then came the debit card which turned into the credit card later.
I have no problem with responsible credit use. I use a credit card at the store and everywhere I can, because it is convenient, I pay off the balance each month, and I get cash back on money I would have spent regardless.
Make spending money as inconvenient and painful as possible so you keep spending to an absolute minimum. Spending money should be painful because earning money is painful.
Please do continue posting monthly. It keeps us motivated too.
We have an older dog who has had a kidney condition for many years of her life. Then recently, she started throwing up a time or two each day. The vet said she had a kidney infection so was put on antibiotics, got better. But vet also said that she is Stage 4 kidney failure so we will probably lose her in a few months. But anyway, the kidney infection was the cause of her throw-ups. Also, urinary tract infections in dogs can cause the same problem, the vet said. Good luck with Levi, he's so cute.
I use a credit card, mainly for online shopping, but pay it off in full each month. I like the fact, that I have 30 days time to pay, which helps me to manage my money better, than if every purchase was immediately substracted from my bank account. I have used credit cards irresponsibly in my 20s and early 30s, but thanks to Dave Ramsey I have got everything under control now. I also use a debit card, mainly for offline purchases.
Nicole, I enjoy your series, pls keep it up. Like many other people I am really nosy about what others who live in different parts of the world, spend.
I relied on credit during my very bad divorce and it took me 2 years to dig myself out. It almost drowned me. Ever since, I pay off my credit cards monthly and remain committed to living within my means. I sue my cards for expenses like you do, and I carry no balance.
yes, as soon as hardship strikes (as it does for nearly everyone) using credit to get you through will hurt really fast. Was the same for me after my divorce. If you still use them for regular purchases, while times are good at least save up a decent sized emergency fund so you have the ability to get our before the CC payments bury you.
I love hearing about your challenges. It doesn't need to be every month.
Hi Nicole and Levi. I use debit and credit cards. Debit for most things and a credit card for one bill. I pay it off in full though. There is nothing wrong with using it responsibly.😊
I put almost everything on my credit card and pay it off in full each month. I like the ability to account for every expenditure via the monthly statement. With cash it’s more of a pain to keep the receipts and then manually account for expenditures at the end of the month.
We use a credit card for everything and pay it off at the end of every month too. The cash back from the points is worth it. Also easy way to see where every cent is going. I think Dave’s advice works for people who have credit card debt issues. For me if I am contemplating a nonessential purchase I record it in the spending app you recommended BEFORE I buy it, just doing that often makes me not buy the thing. The mental connection is still there like with cash. If I don’t buy it I delete it later.
What's the name of the app?
@@buenasondas1147 It’s actually called Spending Tracker. She has a link to it somewhere
I think D Ramsey is good for those who are clueless about budgeting and money! If you have no self control a CC is a problem! I also use my CC and pay it off every month 👍🏻
And Ramsey is effectively saying he has no self-control, because he can't use a credit card responsibly.
I mainly use card to pay but always pay the bill in full. I can see where a card can make it too easy to not think before buying as I thought I was really careful about my spending that is until I watched your video where you mentioned the cost of Starbucks/Costa. That came as something of a shock to me as I’d never stopped to think about it, just grab a coffee and go, so a big thank you to you for highlighting this.
I used credit cards to build my credit. I have an 830 credit score which has saved me a lot of money. I have zero credit card because I pay them off immediately once the balance posts.
Awesome job, girl! I love watching your channel as you are so informative and make so much sense. Thank you, just for being you.
As I said on Patreon, I use my credit card like cash. Yes, there is less friction, but I would no doubt buy the same things whether paying in cash or via credit card. I know that going to the ATM is a bit of a hassle for me, and I do not feel safe walking around the city with too much cash.
I think safety is something that isn’t talked about enough. I don’t want to accidentally drop my money and I also don’t want anyone knowing I’m walking around with a few hundred dollars (or more).
I live in Germany and they seem to take away all the ATMs bit by bit, so it is getting more difficult to get cash.
@ginamarie 920 : Have you ever heard of debit cards?. It is the real money you do have, anything else is a trap.
In my experience there is more friction when using the credit card, because I see the balance going down as I spend. With cash it is just paper and it gets spent easily.
@@JorgePetraglia2009 A credit card is also effectively real money I have. My limit means I can't spend more. To me debit cards are pointless and have no benefits whatsoever for anyone who isn't a spendthrift.
I'm not terribly surprised how this turned out. You already seem to have your life pretty well organized and disciplined. I wouldn't expect you to see a big gain by trying Dave Ramsey's theory out. I tend to think his mania for excoriating credit cards is for the benefit of people who have a demonstrated history of lousy money management and therefore really shouldn't be using credit cards at all. Great content btw!
Just discovered your channel this morning . What a delight , thanks for what you do !
I only use my debit card for most things.Alot of my bills are on auto pay.
My fur son Tucker gets meds every month and that is where i use my crdit card.
Ii like the extra bit of protection there.
Pay it off,as soon as it posts.
I believe it's like anything else.Personal responsibilty.
Nice to know others do this too.
Most i know,say they have cc debt,car debt,etc.
Would you be interested in doing a 'drive with me while I run errands?' video. It would be cool to see more of Canada and how you approach your day. Just a suggestion.
I do not think that I could do this, I cringe when I miss out on getting those points/ kick backs. We also charge as much as we can on to the credit cards through the month but pay it off once the bill arrives.
We changed our dog to a gastro dog food from the vet...yes, it has helped a lot! Ontario, Canada!
I use my debit card…(for the most part still the same as cash) …I only keep what I budget to spend in that account -so again I still only have what I have budgeted (without the inconvenience of only having cash….I can always transfer more if needed) but it does keep me conscious of what I am spending and why…keep posting..it inspires and reminds us to keep being money conscious….Have a great week! (Yes BTW I’ve been subscribed since you redid your home) thanks for sharing your perspective 😊
I completely agree that using cash at the gas station is too time consuming - I only do that at gas stations that charge less for paying cash. I also pay cash at the BBQ/ice cream place that charges more for using cards. I also try to tip in cash, whenever possible
May your puppy get better soon sweetie
A really great video Nicole. Looking forward to the next. Youve got a great head on your shoulders.
Thanks!
Very, very impressive; thank you for taking care of Levi, and for keeping your fans updated regarding his ongoing health challenges; Chances are, if you only buy what you need, when you need it, you'll have money for what you need, when you need it.
I love this series but it does not have to be every month. I would still watch then in order to hear your way of thinking about money and spending. This way I get new ideas that I can try out myself
Congratulations on the new couch & Levi feeling better! Happy Holidays!!!🎄🎃🥂
I'm glad Levi is doing well. I hope the couple episodes he had are just normal dog indigestion. Fingers crossed.
You experience is pretty much my experience. I guess we're just both naturally tight-fisted ;) Whether I'm paying cash or using a card I look at the price vs. how much I want it. Even if it's a $1.50 candy bar I almost always say "nope, too expensive". Other than reasonable food and necessary utilities and similar I don't think I've spent a dollar all of October. November is off to a bad start though, I bought a coffee today ;)
I use my credit card as essentially electronic cash. I also pay it off every month. The key is to spend money mostly on needs, and resist spending money on wants. My tv is an Admiral from 1953, hooked up to an over the air DTV converter. My radio is also 1940's vacuum tube. With proper maintenance, and the occasional tube replacement, they will last forever. When I go food shopping, I make a list and stick to it, no impulse buying. Some of my lawn and garden equipment goes back to the 60's, some bought new, but most from flea markets, yard and estate sales. The older stuff is quality stuff, and, properly taken care of, I fully expect it to outlast me.
I never use my debit card, only credit and pay off in full every month. It just makes life easier. I am curious if I would spend less if I were paying cash though.
I use mainly credit card! For the very reason you said! So darn inconvenient!
Nicole, at the two grocery stores I patronize, I find a difference of a half hour later can make the difference between acceptable and over busy (this on weekday afternoon using 4pm as the demarcation) and that generally means that the cashiered lines are speedy enough for me (of course being retired means my time preference is quite flexible and so carries a low opportunity cost, but of course habits remain habits so it's best to seek for a store's slack time and once found habitualize on that time).
I used to be a cashier only person because I didn't like the idea of eliminating these jobs with self-checkout. But I switched at some point to the self-checkout when stores replaced all but one or two check-outs with self-checkout. If there was a cashiered lane open, it was generally swamped with full shopping carts, meaning a 20+ minute checkout time for my hand basket of items.
Great content, like always! I share your concern regarding Levi. My almost 3-y-o mini Aussiedoodle had a VERY sensitive stomach. And since I eat healthy food, I wanted the same for her. So many of the varieties of kibble caused very loose stools, and/or vomiting. Chicken, beef, lamb, pork: none of them worked. I eventually settled on Sea to Stream with fish and grains by ACANA. Finally! I definitely have to thank the pet stores here in California, both PetSmart and Petco, because they took back and refunded my money on every single bag of dogfood and treats that didn't work. It was a LOT! Now I've switched to raw food and she absolutely loves it. So best wishes, and keep trying. P.S. Mint Mobile is great!
Open Farm dog food helped a friend's dog. He loves the broth and freeze dried food.
Never ever used credit of any kind, other than a mortgage in my 20's & 30's until paying it off.
In my book, not having the funds = not buying.
Own everything outright by saving up & buying outright has worked great for me. Save up then buy or don't buy.
Have a nice home, car, a 2nd home as a rental income etc etc & all owned outright by 45. This is through not having credit.
The only credit card I own is a JetBlue card, I pay off balances I can a afford and I get flights
My mom's best friend did this all her life. It worked, until she needed credit, and then she didn't have any credit history. The house was paid off and didn't count. Sometimes you need a credit card--like if you need to rent a car. It's great to only use cash, and I definitely won't argue that you shouldn't buy things you can't pay for. Credit cards can bee a useful tool. Some people use them to earn cash back, and they pay them off in full every month. They're useful when traveling. If someone steals your cash, you're out of luck, but a card can be canceled.
@@cariwaldick4898
I agree with you, though for me I've made sure I'd never want or need credit for anything. It's worked so far for the last 20years & I'm sure it'll remain that way. I use a debit card when travelling, so no problems there.
Just being completely self sufficient suits me, though I know it's unusual in todays world.
@@cariwaldick4898
What was it she needed credit for, do you know?
I can't think of any situation where I'd need such.
I have the funds, that's why I use a credit card.
Whatever things you own it is also because you earn enough to own them.
I treat cash, debit, and credit almost the same. If I have the money in the bank, use it to pay.
I just have to do the extra step of going to the bank to pull out physical cash (if I want to pay in cash). Or in the case of credit, pay off the credit on bi-weekly basis after the transactions have been updated into my credit's account.
That was pretty smooth!!!
I am a credit card person and specifically use one store card every month and pay it off. It's for a big box store that sells groceries. I get 5% rewards with the card. I signed up for the delivery service. Essentially I tracked it and the reward pays for the delivery subscription and tips. So I get my delivery for free and pay off every month as soon as the purchase clears so no interest. Plus I save on gas, impulse purchases, and time.
Smart.
The credit card companies call people like us 'deadbeats'
God bless you. I asked my 16 year old granddaughter to follow you. You are a good influence on the young generation ❤️
Good for you buying some home decor & having some fun while taking care of necessities!
I'm a bit late but here are my thoughts. My wife and I are in our 70s and live in Wales (UK). We have several credit cards and a huge credit limit ! We buy absolutely everything on credit cards or by auto-pay and pay them off IN FULL every month by auto-pay. The benefits of consumer protection and cash back are also supplimented by effectively always having one month's income unspent in the bank because of the delay. This is a really useful emergency fund and it's not even "our" money but VISAs. Please keep posting because it gives us hope for the (liiterally) poor young people today.
Ooh, I'm excited for this one. I, too, am a successful "credit card person" but I've always wondered if I do spend more.
Id like to see monthly vidoes from you- maybe you could try some popular budgeting and money saving trends 🤔
As to using credit cards: I have only one to minimize the card marketing noise and don't use cash back or company branded cards so I don't need a card portfolio to manage point gathering (like it seems you do); but, always paying the balance completely every billing period (the key to short term credit), I still find the list of transaction charges convenient for budgeting use and more useful than analyzing the details from fully itemized receipts. So, I tend to use cash for small/impulsive purchases and as a back up for internet and power outages and those occasional times that the card is system declined in error. So generally the card does trump cash.
Love your videos!
You look more energetic and happy in this video, it's lovely to see you happier!
I’m not unhappy! Just working A LOT 🥱
I use two non revolving credit cards as in effect a debit card (no interest costs) and pay for everything with them. I actually helps me budget, because all my expenses are on my monthly printouts, so I can see exactly where my money went. I live in Germany in Berlin. In my job I get tipps, which is usually more cash per month than I actually need as cash to spend. Most of my monthly costs are withdrawn automatically.
Also thanks for doing this Dave challenge. I know he says this and it doesn’t seem to work with my life as I share house expenses with my husband and all of it goes on a shared credit card which we split and the end of the month.
Hi Nicole. Love you channel and Loved this series. I have nerve damage in one of my hands and so I have to use A credit card all the time. But it has given me some good insight Into what I spend my money on. For example I did not know that I spent that much on Coffee at a coffee shop! How stupid! But I think that's the beauty of a credit card if you actually look at it which I hadn't been doing. I do now. I am disabled and in a wheelchair Which is extremely expensive. I do not know how people who live so the Social Security disability do it. I was fortunate/ unfortunate In That I had a husband who left me a lot of money. I'm a widow. Anyway I hope Levi gets better for you. I had to put my cat down a few weeks ago And it's hard. Best,Kathryn
I switched from using a credit card for groceries and gas to using an EQ Bank debit card. I get 2.5% interest on the money I put on it and I get 0.5% cash back. It also gives me debit machine charges back for cash withdrawals. I use the EQ bank for all my savings and sinking funds (2.5% interest) and GIC's and a TFSA at 3% for my emergency fund. I still use my credit card for netflix, internet and online shopping. 1% cash back. Love your channel and give Levi hugs and pats for me.
Agreed, re moving on from this series, however it was helpful ❤
Dave Ramsey says debit cards are like cash.. basically it comes straight of the bank just like cash.. you don't have to strictly use cash
Debit cards are still cards and the research he likes to cite was testing whether people treat actual cash differently. Some percentage of people do. There is also bound to be some percentage of people who would overspend on a credit card that will also do so with a debit card. From my point of view when I pay for something on a credit card it is effectively coming straight out of my available money.
Tis the holiday season to max out your credit cards.
Very smooth. Last month I transferred to Mint because of your referral. Its excellent. I thank you!
Ps. I do the same I flip 2 cash back credit cards/ always pay balances to $0 monthly and and recredit my cards with the cash back earned. (so on average I earn about $28 month to use credit responsibly)I have for years. Its something, right? Why not.
Pss. you have me thinking about cancelling Prime. (hmmm...ill need to think on that) Thanks for your content!
I live in the sa e boat and pay off in full. The editing in this video is amaziing, Nicole!
Maybe some holiday videos & lowering food budget while making yummy food & pretty holiday decor!
Cash all the way, except for gas (for all the reasons you note). In our rural area there are enough places where cash is the best thing to use - farm stands, yard sales, lemonade stands, small businesses like cleaners, yard work, odd jobbers. I also like the physical, concreteness of cash, that it makes us all less tracked and controllable, and that I generally have some interaction with a person...and might just connect with a neighbor that way.
I would really love to see a video of break down grocery lists/costs and the meals you make throughout the week!!
I post tons of this on Patreon.
Hi Nicole ❤love from Melbourne…..hugs to Levi x
I have one credit card that I use ONLY for emergencies. I leave it at home, so I'm not tempted. I live within my budget and quit going into debt. you are financially wise beyond your years, and hope you inspire other young people
That's the same reason I don't carry and use cash. Too tempting to just spend it all.
We love your content
Now in my early 60', to relate to this video, I had to change the word "Credit Card" to "ATM card with a Visa/ Master-Card logo on it". I spend about the same about of money if, paying with cash or with my ATM card. However, I do have some simple rules such as never to use my ATM card for an on-line transaction and to always use a credit card if traveling out of my local area and for travel expenses (airfare, hotel, rent-a-car, meals, etc.).
I'm a credit card/cash person, I love the video pls keep it coming!
You are so well organized that it would not matter a bit between credit or cash. Ditto for me. Cash back on credit cards put you ahead. Some businesses do not want to be charged by the credit card companies and offer discounts for paying cash. Credit card companies are also a great scam topic in how they use and abuse less fortunate customers.
With me is the oposite - I twnd to spend more money when I pay with cash, so I try to use my card more
Well done for informing us of what is obvious.
I use a cash-back credit card for just about everything and pay it off in full every month. It has been so long since I actually used cash, you made me realize just how inconvenient using cash is now. Thanks for the exercise, and best wishes for Levi and his tummy issues.
So close to 40K !!!🎉
My husband and I put almost everything on our debit/credit card. Our bank doesn't have a branch local to us, so for cash I tend to ask for a cash back when I go to the grocery store. That leaves me with a little bit of cash, and I don't want to spend it! Most of our bills are automatically deducted. Using the card is a little unconscious, but I don't do a lot of impulse buying. The card gives us cash back, as well as legal recourse in the event of fraud, or defective purchases. I've heard the key to being more responsible with credit cards, is to open the bills, and look at what you spent.
I bought a puzzle dish (it is just divided into several sections) to slow my cat down from scarfing her food immediately, it has helped
Best of luck with Levi. My Yorkie Tony is almost 17 and he has a lot of issues. It's so upsetting.
I use credit cards as you do but I’ve been spending too much this year so it’s been stressful ensuring I pay off each month. I live in the GTA also so it’s good to know your expenses. Bummed about Mint, I had written it down to look into! I pay $94/month for my cell plan.
Modern society is now designed to make it almost impossible to use cash anywhere. If you are a fan of cash life requires more planning. I think at some point cash will come back in focus at some point. What goes around comes around and I've noticed everything seems to have an arrival at some point or another.
I don't find it any more inconvenient to use cash now than I did 40 years ago. It's always been a hassle.
Yes ! I refuse to go into a gas station to pay ( what a pain). If they don’t take credit cards or the machine is broken, I get in my truck and go somewhere else.
good news ,,your going to the register and keeping someone in a job. unlike going to the self service machines
I’m not the most responsible with money so having a credit card made me go into debt. I’ve got out of it fairly quick and learned a few things along the process.
Hi Nicole. I use a card because it's a lot easier, as you noted. Also I have OCD and hate touching cash because you never know where it has been. Have never missed a payment or left a balance on a credit card. AMEX loves me. Lol. Money is money. Doesn't matter whether it's cash or a card. The point is to use it wisely, like you do. Best of luck to you and Levi.
Cash helps me stay in budget. I have an envelope for groceries and another for eating out/snacks. I use debit for everything else.
That's good that you have a system that works. The important thing is that people are managing their finances. How they do it doesn't really matter as long as they're doing it.
I have a separate checking account setup like an escrow account where all my bills are paid from (95% automatically) and I deposit/transfer how much is necessary to meet my bills.
All my spending is on a credit card which I pay off monthly (from that same checking). I used to carry a balance and pay interest and it took me so long to dig myself out. However, some months it is difficult to pay the whole amount as both my wife and I use the same account and sometimes one or both of us blows our budget.
I wish I my budgeting and spending could be as disciplined as you, but it's difficult when it's not just one person.
Some restaurants are charging "courtesy fees" which means they charge you for using a credit card. As if they were not expensive enough and the tipping has gotten ridiculous.
I try to avoid all restaurants now. FOE ME, the value just is not there.
I am happy Levi seems to be better. I tried the same experiment. I noticed a few differences. You didn't mention whether gas stations and stores have credit card fees. I live in NYC, and it is common to encourage people to pay cash. Also, the stores here allow both cash and credit card payments at the auto checkouts. After my experiment, I found that I used both cash and credit cards. Depending on when it will benefit me the most.
I’m happy to say that I haven’t had a credit card for 6 years and am debt free. Will never get a credit card again. I simply don’t need one.🧿
going with cash lets you be more responsible to your spending, now you get to be mindful of every transaction, which is what the credit card companies want you to not be mindful of your transactions.
You can do this same scheme if you just ask for your budget as the credit limit on your card
Hi, Nicole, this is the toughest time of the year for a minimalist. Every ad on TV is promoting buy, buy Buy. All the commercials make you feel guilty if you're not spending lots of money. Very depressing
I don’t see it that way at all. I have no guilt. I buy what I truly need and want, and give zero Fks about the rest.
Hello, I recommend trying to get a slow feeder for Levi, maybe that will help him a little. I hope he gets better. Thank you so much for another cool video. Regarding CC I always pay in full, mostly use it because the cash back I received from the grocery store. Blessings from Costa Rica 🇨🇷
Simple answer, YES!
I have 5 and don't use any of them. Of course I haven't had a day off for a month
I buy everything on a credit card and pay it off each month. Then at the end of the month i use the statement to analyze my spending. So i get the convenience of using the card but i still have to face the music once a month which keeps me focused on not spending frivolously.
Thanks more videos please 😊❤🎉
I only use cash and my debit card now. I abused credit cards in the past and definitely spent more than what I was making. I will say seeing the amount of cash I have go down as I spend does make me think more about my purchases.
Glad you tried this saved me the hassle, I'll keep using cards
I use my credit card mainly & pay it off in full at end of month. I get decent cash back & it’s just very useful & time efficient! I only use cash for my sons haircuts because they only take cash