BBB...I did read the post.

What I don't understand is, there's 2 options.
Pay cash. You have to have it available though.
Pay with credit. You have to pay interest if you don't pay it off within what, a month?

So what's the difference? Have to have the money RIGHT NOW, or within a month. How is that hard to handle?

So let's say he wants a $300 part. Cash? Do you have it on you, or in the bank? No? Then Credit. Will you have $300 of expendible income within the next month? No? Then wait until you do. Really, it IS that simple.

I mean if you're going cash all the time, then you are limited by what you have access to right at this moment. If you pay credit, and can handle the responsibility, you have access to all your income for the next month.

For people that get paid on Friday, and have it spent entirely by Monday, credit is NOT a good thing. But cash is very tempting to spend. I've never been like that, so it's harder for me to understand WHY people do that.