It sounds just like my FH. For him, it's just different reasoning.
I'll give him $200 to put towards the line of credit, then he'll run into a situation where he feels forced to pay cash or credit. Of course, he thinks it would be better to pay for the item with cash, rather than put it on credit. He really should be thinking "do I need this thing?"
Saving money is important, but having an enjoyable life is also important. Sometimes people's judgment gets clouded and they forget what their true goals are.
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