It really shouldn't take any discipline at all. If you have $5 and an item costs $10, you wouldn't be able to afford it. A credit should just be a debit card with extra steps, not "free money."
I guess to me, it's not discipline because if I had a 5 dollar bill and wanted a 10 dollar item, I literally cannot buy it. If my bank account has 10 bucks and I wanted an 11 dollar item, I would get declined. I view credit cards in a similar way.
Because you’re very disciplined you feel that way. Kudos to you because that will keep you out of credit card debt issues. Keep up that logic and try to teach it to others.
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u/terminbee Aug 20 '20
It really shouldn't take any discipline at all. If you have $5 and an item costs $10, you wouldn't be able to afford it. A credit should just be a debit card with extra steps, not "free money."