Part 1 topics > Money

Yes, I often use credit cards. The main reason is that credit cards provide the option of installment payments, which helps alleviate financial pressure when purchasing high-value items. Instead of paying the full amount upfront, I can spread the payments over several months. This flexibility allows me to manage my budget more effectively. Additionally, using credit cards for purchases often comes with rewards programs. By accumulating points, I can redeem them for various practical and useful rewards, which adds an extra benefit to using credit cards. Overall, the convenience and benefits of credit cards make them a preferred payment method for me.

I employ various methods to save money. For instance, I opt for public transportation instead of taking taxis or driving, which helps me cut down on transportation expenses. Another way I save money is by preparing my meals and bringing them to work instead of eating out. This not only saves me money on food but also allows me to have healthier meals. Additionally, before making any purchases, I often check social media platforms for second-hand items. This approach has helped me find great deals and save a significant amount of money. Implementing these strategies enables me to be more mindful of my spending and build up my savings.

I believe that e-payment is highly convenient. The positive aspect of e-payment is that it allows me to make purchases without carrying a physical wallet. I can simply use my smartphone or other electronic devices to make transactions. This eliminates the need to handle cash or worry about having exact change. On the other hand, if e-payment options were not available, I would have to deal with the inconvenience of managing loose change and ensuring I have enough cash on hand. Overall, e-payment offers a seamless and hassle-free way to conduct transactions, making it a convenient option in today's digital age.

I believe that cash will no longer be popular in the future. The widespread adoption of electronic payment methods has significantly reduced the usage of cash, and this trend is likely to continue. The convenience and efficiency of digital transactions make them more appealing to people. Moreover, the production of physical cash involves a significant amount of pollution and environmental concerns. As the world becomes more environmentally conscious, the shift towards cashless transactions aligns with sustainability goals. With the increasing accessibility and advantages of electronic payment systems, it is foreseeable that cash will gradually fade out of popularity in the future.

It depends on what I'm spending money on. Considering the current economic environment, I tend to be more cautious and prudent with my spending. On one hand, when it comes to essential items or products that will be used for a long time, I believe in investing in quality. In such cases, I'm willing to spend money to ensure I purchase durable and superior products. On the other hand, for non-essential items, I prefer to save money rather than spending unnecessarily. I opt for cost-effective alternatives or find ways to cut down expenses. Being mindful of my spending habits allows me to strike a balance between enjoying the present and securing my financial future.