PSA: Cash only is the ultimate spending discipline
rickdugan
Verified and Certifiable Super-Reviewer
Thursday, March 23, 2023 1:22 PM
For most on here this is probably SC 101 material, but I post this for the younger and/or newer types who continue to ask questions about credit cards on here or complain about strip club ATMs.
IMHO and IME the best spending discipline is always cash and carry. The surest approach one can take to avoid overspending is to only spend out of existing cash flows and never, ever, finance anything. Bring what you're comfortable spending and when the money's gone, you should be too. The road to long-term PLville (lol) is littered with the corpses of dudes who lost their heads and put themselves in big holes because they were using plastic in the clubs.
If you don't have the cash to hit an ATM prior to your club visit and fortify yourself sufficiently, then you can't afford to be in the club that day/night. There is no shame in that. Clubs are expensive places and we've all been there.
Now this is not aimed at your salty vets who have ample cash flow, pay your cards off religiously every month and club in places that don't add credit card service charges for bar tabs. I know that some of you like to use your cards for the rewards points and/or airline miles. But we all know that most guys who pull plastic out in clubs aren't sitting on fat bank accounts at that moment.
Anyway, normally I fucking hate smarmy PSAs coming from anyone, but lately I'm seeing stuff that leads me to believe that a reminder doesn't hurt, especially as we enter increasingly uncertain economic times.
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