. These methods ensure you're able to use cash in place of credit, when needed.
Many financial experts suggest choosing credit whenever possible, in order to earn cash back, or other valuable rewards. Yet others caution against the perils of credit, encouraging the use of cash to guard against financial excess. There's an element of truth to both arguments, and whether you should pay with cash or credit usually depends on your own cash management skills — with some important exceptions.If you've got generally good credit and pay off all or most of your card bills each month, it makes sense to maximize cash back or rewards by paying with plastic. Otherwise, this is free money you're missing.
Exceptions would include circumstances in which there are high fees or where temptation might lead to excessive spending and cash could serve as a means of tempering your spending, such as:When your card doesn't offer zero foreign transaction fees, purchases abroad are best made using cash. Using local currency is generally the cheaper bet. .
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