My answer to this is very simple, I only spend base on what I earn. I also don't have credit card and I'm not planning to get one (in the Philippines you can still live a normal life without a credit card). Spending more could be tempting If you have a credit card in which could lead to debt. That's why I always prefer in cash.
Whenever I'm onto something, I think many times and ask myself some questions before I purchase/invest. Is it really important? Do I really need this? How does it could affect my family? I also ask opinion from other people especially my husband. The good thing is he also do the same. We don't decide or agree onto something alone. We always have each other's back. Two heads are better than one especially in financial decisions.
