I’m in my 30s so I should be used to this by now, but this shit is getting so stressful guys. I have no savings, my checking account is drained every month with rent, and if there’s ever a serious emergency I have no safety net, I’m legitimately fucked. I’m one unplanned expense away from absolute ruin. Those in the same boat as me, how do you deal with this?
Studies repeatedly show people spend more with cards. It’s often more than the cash back amount in the first place, and additional fees for credit cards is becoming more common. Cash is vastly superior at controlling spending.
Yes, I am keenly aware