What is your preference when it comes to money?

Bank card because I hate carrying cash around (you never know) and I feel cool swiping my card and paying off something I've been saving up for. I also like online buying (i.e. paypal) because I often forgot I bought something on eBay and get surprised a week later with a game or something that I was excited about.

well i would prefer credit cards... but not all shops here in the Phils. accept credit card so i have both cash and credit card....

What I normally do is keep my money in the Bank and then I have Bedit Card or ATM Card with me along with a smll amount of cash to meet immidiate expenses! When ever I am going for shopping or other places where I need to spend money I withdraw trhe cash and spend the cash only! I am strictly against credit cards as there is no check then on spending! By using your debit card you can have check on your spendings and you will not spend the money in haphazard manner or you prevent your self from instictive or compulsive shopping attitide ! I even don't use my debit card for paying bills at shops or Malls as they attract about 2.5% extra as service charges! Thsnks ! It was a nice discussion!

it depends. I use credit cards rarely. I use debit cards. But I like to take less acsh with me. in terms of shopping, eating out, most of the time i use debit card. when the amount is less i pay by cash.

I always carry cash and credit card. Credit card i can use it all the time and anywhere it's very accessible. I only carry 500PHP not more than that for my safety purposes nowadays there are many bad elements surround us. lol If i use credit card i make it sure that i use it properly and wisely so i can pay it on due so they will not gave me high interest.

I prefer ATM's and I think it is a cool way to withdraw money .

I do not use much of credit card. I plan never to use credit card but sometimes end up using the card. Otherwise I use my Debit card or sometimes cash. Well I always try not to use my credit card.

I like to have cash or debit. Mainly because I dont like to be in debt. I would just rather know it is mine and I dont owe anyone for it.

Although PayPal is my favorite kind of money, credit cards are nice, too, especially the ones that give you cash back on your purchases. I think in the next 10 years or so, the shape and capability of credit cards will advance considerably. It is nice to have a little cash on hand for emergencies, but I don't like to carry cash. It has lots of germs on it and takes up too much space in a wallet.

With all the credit card fraud cases in the country, I stick to cash. I like the convenience of using the credit card but because of all the reports of people stealing your credit info and using it up to your limit, I use it only in reputable establishments. Another thing, I don't like about credit cards is that sometimes you go over your budget.

For me, I prefer to carry cash for daily basis. I used to carry credit card and ATM but unknowingly I used to spend so much money. Therefore, I stopped that. If I carry cash about $50 I know that I have only this much of money so I think twice before I spend. In that way, we save $$$. But, when I travel I make sure I carry credit card and cash.

Do be cautious when using credit cards. U might just chalk up a huge sum of debts waiting to be cleared. Average interest rate is at 24% p/a! That's awfully huge!

CASH!! The idea of pulling it out and giving it away saves me from alot of unecessary spending which I can easily do with credit cards.

I like using credit cards, because I get reward points. I try to make sure I only spend what I can pay off when the bill comes.

i am a cash person. i only carry my ATM when i needed to withdraw money. i only withdraw money which i know is necessary. when going to shops, i buy things which will only fit into how much money i have in my wallet. i just try to pay things within my reach. i always lived this way and i am happy with how i do things. no credits to think that i should pay at the end of the month, etc. anne

I like to carry cash because I then know what I ca spend. With a credit card you can spend what you want but then later you might not be able to pay for it. I used to have credit cards but spent way to much money on them.

I still prefer to use cash when i pruchase or do transactions. Eventhough the trend now is to carry "plastics" (e.g. credit cards, atm, etc) i still think that its convenient to carry cash. Of course not so large an amount that would risk you to being holded up or whatever, but just enough to make you spend for your necessary day to day transactions. Well, atm is also convenient to carry coz if you run out of cash, you can just search for a nearby atm and withdraw your earnings.. As for credit cards, not all companies here in our place accepts credit cards, so it is still better than you have cold cash ready. And besides, i know some people who are not so well in managing their finances that they tend to bloat up their expenses because of purchasing so many things on credit (using credit cards). At least, since i dont have any credit card.. i wouldn't be tempted to purchase just about anything (even unnecessary things) that i find pleasing to buy.. on credit.:-)

If I got cash money I will bring car for my travel habit.You know I am going here and there by aoto.I was waitting for my own car.

I like to put everything on a credit card and then just pay that off once a month. I find it more convienent than carrying around cash and when you use debit you get charged per transaction. Credit card is just easier for me.

hi cartoona4umaniacs, For me I still prefer cash it saves time and effort looking for an atm machine to withdraw and here in my country not all stores accepting credit cards.