If you are able to keep your expenses in check and use credit cards wisely, paying for your daily expenses with credit or debit cards is a no-brainer. Using plastic can greatly facilitate budgeting, since sites like Mint.com can automatically track your purchases, and you can also avoid unsafely carrying large sums of money for regular purchases like groceries, gas, or entertainment.
Eventually a cashier will ask, “Will that be credit or debit?” What goes through your mind when you decide? Do you simply brush it off because it doesn’t matter to you? Do you think about whether one of the options will actually save you more money, or how your financial security will be affected by your choice?