Mate, I have absolutely no opinion on what you do financially. It is completely up to you. If you’re old enough to have a credit card, you’re old enough to make the decision how to use it. The next thing old mate will be attacking anyone who uses a credit card to buy groceries, clothes, and entertainment..
Bottom line is you don’t need to justify your spends to anyone.
Mate, I have absolutely no opinion on what you do financially....
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