Is it better to carry cash or card?

Is it better to keep money in cash or card?

Okay, so like, cash versus card? Last summer, Rome, hot! I swear, my wallet felt lighter carrying euros, not from spending.

Someone boosted my freakin’ 50 euros right from my bag. At the Trevi Fountain, too crowded, tourist central! Gone! Just gone!

Card’s better. Because fraud protection, duh. At least Visa gives you a chance against thieves. Cash? Poof. Bye-bye dinero.

Here’s why I’m riding the card train now:

• Lost cash = lost money. Period.
• Debit cards have fraud protection. Visa, Mastercard…they got your back (kinda).
• Using a card builds credit? Not sure about that one…
• Also easier to track what u buy, I guess. Not good if you impulse shop though.
• Plus, no need to keep that gross money on you…ewww.

So, yeah. Card wins. Learn from my Roman robbery. Argh.

Is it better to pay by card or cash?

Cash. It feels… safer, somehow. Like a tangible thing. A card, it’s just… data. Gone in a second.

Credit cards are easier, I know. For tracking expenses. But I hate that feeling of overspending. It creeps up on you.

I prefer the immediate sting of cash leaving my hand. It keeps me grounded. Keeps me honest. I’m not saying I’m great with money, far from it, but cash helps. Helps me.

This year, I’ve found:

• Cash is better for smaller, everyday purchases. Coffee, lunch… the little things add up. Easier to budget.
• Credit cards feel… impersonal. Detached. Like you’re not actually spending your money. Silly, I know.
• I’ve had too many experiences where the card reader’s down. So frustrating! Cash is always there. Always works.

Credit card rewards are nice, sure. But the debt risk… It’s not worth it for me. Not anymore. The anxiety’s not worth the points. Seriously. Really. It’s a personal thing. I get stressed.

And the fees. Late fees. Interest fees. I hate those fees. I’m so tired of fees. Avoid them. Cash.

My credit score? Could be better. My finances are not amazing. My life is… complicated.

Why are bank cards more preferred than using cash money?

Bank cards? Oh man, way better than cash, duh.

Convenience, for real.

• Groceries example?
• Tap to pay.
• No cash.

Way faster than digging for crumpled bills in my purse. My wallet is already overflowing, ugh. Reminds me of that time at Trader Joe’s… My card declined! Super embarrassing. I need to check my account balance later. Is it cause of that new shirt?

Less germy too, right? Who knows where that dollar bill has been! Okay, my card has been everywhere, too, I guess. Haha! I still prefer it. Plus, rewards points, I think.

I’m gonna get Starbucks now. Using my debit card, naturally. It’s just easier.

• Starbucks.
• Debit card.
• Easy.

I don’t even carry cash anymore. Ever.

Plus, you get a record of what you spent.

• Spending record.

I track every single cent in my budgeting app now. Helps me see where my money is going. Too much to eating out, I know.