Pay In Cash.

In this time where almost everything can be bought from the shopping malls, it is quite tempting to just grab stuffs and swipe your credit card. 

I can say that I am guilty of doing this way back. 

Thank God, nowadays, before I even step into the mall, I keep on asking myself first: Do I need this? Can I survive without this? How long am I going to use it? 

Remember my Shopping Ban post too? 

Having said this, I am not against credit cards as long as it will be used responsibly. 

You have to remind yourself that the amount that you had spent/will spend will eventually has to be paid for/settled by none other than you, yourself. 

So before you take out that card and go gaga over the sales and mid year promotions, ask yourself: Do I need this? Can I afford it? Do I have the cash to pay for it?