When you buy, pay cash!

Yup, and that's mean no credit card. When I say cash, I mean the real money in your wallet, not the plastic rectangle money with numbers and your signature on it. I know many people will not agree with me, but I bet your action are wrong. YOU ARE WRONG!

What I'm going to tell you is nothing but the real truth. This is one of the best way to avoid bad debt. Bad debt is when you buy liabilities. Liabilities are all things that bring your money out. Cars, petrol, cloths, shoes, cigarettes and many more. All that stuff bring your money out, not in.

The reason I want you to use cash instead of credit card is to make sure you spend less than what you earn. Most people who use cash will stop buying when there is no more cash left in their wallet. On the other hand, people who use credit card, their buying power are unlimited. They can buy whatever they want by just paying the minimum credit card payment every month. Most people thought there are the smartest when they use credit card but the real thing is they are stupid. And no one care whether they pay using cash or credit card.

But, there is other option if you still want to use card instead of cash. Maybe cash is not so flexible because difference country have different currency . It's also dangerous to bring a lot of money in cash if you plan to buy an expensive stuff. So, use DEBIT CARD. This is the magic card where you put your money inside the card's account and you can only use up to the amount available in the account. Means you still spend less than what you earn. So, say "Hye" to debit card and say "Go away!" to credit card.