Every merit you have listed on using a debit or credit card is absolutely right. Online shopping is one that is hard to get around, and paying for gas is really obnoxious too.
Many people though will struggle in their budget by continuing to use cards. Its the behavior piece that makes this work. If you are someone who can use their cards in a way that doesn't break the budget, go right ahead.
When people fork over bills their brain responds with pain. When people swipe cards, no such reaction happens. For people trying to adopt new behaviors around spending and a budget, this is a powerful tool.
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Every merit you have listed on using a debit or credit card is absolutely right. Online shopping is one that is hard to get around, and paying for gas is really obnoxious too.
Many people though will struggle in their budget by continuing to use cards. Its the behavior piece that makes this work. If you are someone who can use their cards in a way that doesn't break the budget, go right ahead.
When people fork over bills their brain responds with pain. When people swipe cards, no such reaction happens. For people trying to adopt new behaviors around spending and a budget, this is a powerful tool.