I see your point, but credit card perks can sometimes nudge us into overspending—been guilty of splurging on fancy home decor just for the points. Cash, even with inflation, keeps spending habits grounded. Maybe moderation and awareness are key here...
I get the temptation with credit card perks, but honestly, cash doesn't always keep me grounded either. When I have physical money, it somehow disappears faster—like grabbing coffee or snacks here and there without even noticing. What helped me was setting up a separate savings account with automatic transfers each payday. Out of sight, out of mind...and it's there if something unexpected pops up. Maybe it's less about cash vs. credit and more about creating a system that fits your own habits?
Totally relate to the cash disappearing thing—used to carry cash for "budgeting," but it vanished faster than lumber at a build site... Switched to auto-transfers into savings, and now I actually have something set aside when life throws curveballs. Guess it's about finding your own rhythm.
Totally agree with auto-transfers being a game changer. I've found that having a separate emergency fund—like a buffer zone—is way less stressful than relying on credit cards. Plus, it feels good knowing you're covered without paying interest down the road...
Yeah, auto-transfers definitely help keep things simple. I used to rely on credit cards for emergencies, but after getting hit with interest a couple times, I learned my lesson the hard way. Now I stash a bit aside each month—nothing huge, just enough to cover unexpected stuff like car repairs or vet bills. Honestly, it's way less stressful knowing the money's already there... beats scrambling to pay off a surprise expense later.
