My sister never carries cash. She always pays with a credit card. “It’s safer and easier,” she says. Last week, we went to a bookstore together. She bought two novels and a notebook. At the counter, she simply tapped her card, and the payment was done in seconds. I still use cash, so I was surprised at how fast it was. But later, she explained something important. “You have to be careful. Don’t spend more than you have.” She keeps track of her spending with a budget app. Paying with a card looks easy, but it also needs smart habits. Watching her taught me that modern tools are helpful—but only when used wisely. Now I’m thinking about getting my first card, but I’ll start small and stay responsible.