What is your consumption concept?

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I am a person who always have plans for consumption. I never spend more than I could earn and never borrow money from others. But one of my friends hold different consumption concept from me. when she start to use credit card she got crazy about this magic thing. She will buy almost everything she like just like she does not need to pay back with real money to the card. No plans will she made, I just worried about her. dear mylotters, could you plesae share your consumption concept wiht me? And if possible, plesae let me know how should I persuade my friend not to buy more than she could earn? Thank you.