Not using my credit card often, actually helps me budget and not overspend.
For instance, when in a grocery store, most of the time I pay straight cash. To ,fresh produce and credit cards don't mix, because fresh produce is elemental, basic stuff and unprocessed, therefore use the real stuff: cash to pay. Yes, I make wierd analogies to help myself.
I do not use debit at all. It will not help me budget.
I'm not concerned about "security"...I bike home with my stuff. Not walking along in the dark, where someone could bop me more easily. Anything else I want, I can wait most of the time until I get to an even bigger city to buy it in person.
So laura* your experience definitely would influence your method of payment. A good thing, laura* to be cautious for online buying.



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