Dsanders

I can safely say that I'm happy with the life I have so far. I have a roof over my head, I have freedom to work on hobbies such as reading, writing, or exercise, my dad is helping me learn how to drive and I feel like my skills are improving rapidly Overall, I've been feeling so relaxed these past couple of weeks. Life is just beautiful. The worries and doubts I used to always have are now nonexistent Every now and then shit still happens and I face problems like every human being but I manage to get through them and work things out with little to no trouble What about you? Are you happy with life? Have you found your inner peace yet? Do tell

I've been studying and doing a bit of research in financial planning lately. I've recently came across a lot of articles that claim that although going without using a credit card is more difficult and requires some planning and establishing good savings, it is a much better option than having to rely on credit card to cover your expenses. I am still no expert on the fundamental economics and finances that comes into play here, but that's why I decided to post this topic. To gather some of your thoughts. A good majority of the community here is composed of adults ranging from their early twenties to thirties, with a whole lot of experience in the economic world where balancing budget, personal finances, and savings is a real necessity. So I'd just like to know your guy's thoughts on using only cash as opposed to using credit cards or both. Like how does one balance that out? How do you handle your credit and finance?