I'd love to use cash. Only downsides are lack of change, it's always an issue, and it adds to the wallet thickness. For me credit card works just fine. Somehow

I'd love to use cash. Only downsides are lack of change, it's always an issue, and it adds to the wallet thickness. For me credit card works just fine. Somehow credit card has never felt to me like a credit instrument. For me it's always been offers, deals (when I have to buy something), free lounge/spa access, and free points. I have also set 3 limit alerts on my main credit card which does my ~90% of expenses usually and last alert means no more use unless something really urgent comes up. If I need to buy something it goes to my "Buy" list on my todo app and depending upon the urgency either right then or during a sale I just check that "Buy" list and buy all or some of it. I don't buy anything else on impulse except books which are not very often and are not expansive at all. Food/eating out is the only thing I have budgeted. This has worked fine so far. Touch wood!