Cash or Charge ?

as much as possible, i still prefer paying cash whenever i shop. this is because i wanted to see how much money i still have and i learn to budget my expenses. unless it's a must that i buy something and i don't have any cash with me, that's the only time i would use my card. if ever i purchased something with the card, i always make it a point to pay it whenever i have money. for dining, i always pay with cash :)

I've gotten so used to using my debit card that I hardly carry any cash at all.

Cash should only be used if you are dining by a roadside stall that doesn't accept cash. Or if you are taking transport... if the place accepts cards, why not? Unless you are making payment for only a very small amount, most cards have reward programmes that you can take advantage of. ;-)