i don't have a credit card so i pay in cash

i put in the bank whatever i can save then just spend what's left on things that i need/want

i make it to the point to never spend my reserve money on the bank

i just live within the money i left for use

hirap pag may cc. swipe lang ng swipe then pagdating ng bills, sakit ulo

same with monthly car installments

first few weeks masaya... then the bills start to pile up

amort., insurance., gas., maintenance etc

nevermind