英文原版对话1000个:796 Cash or Credit

（单词翻译）

Todd: So, Anita, we're talking about money. When you go shopping, do you prefer to pay by cash or credit¹ card?

Anita: You know, there are times when I prefer paying by credit card because it makes me feel better because at the end of the day, I don't feel like I spent that money.

Todd: Right, right.

Anita: Because if I pay by cash, that money is gone out of your wallet, and you really feel it missing², so there are times when I prefer credit cards. There are times when I prefer cash, but if you look at it in the long run, I prefer cash because you know exactly what your financial situation is. You don't have to worry about getting a credit card bill at the end of the month, and not being able to pay it, so I would say I prefer cash.

Todd: You know, I used to think exactly like you do, but I changed because I found that when I was using cash, I couldn't keep track of how I was spending my money. I really had no record. I couldn't keep the receipts³. I would lose the receipts, so a friend of mine said you should do everything on credit card or debit⁴ card and then it's on the computer. You can check, and then you could buy software and you can keep track of your finances⁵ and I did it and it works⁶. It's really good, like I'm more careful with my money because I know exactly what I am spending on and I can check it.

Anita: That's true. That's true, and I do something similar except I don't have computer software for it but I have a little cash book where I write my expenses.

Todd: You mean writing, actual work.

Anita: I.. yes actual work: pen and paper, but for me that works better because if I use my credit card unlike you, I lose track of my spending. I forget when I use the credit card, when I didn't use it and it's much easier for me to buy things with a credit card. If you have cash in your wallet and the cash is not enough to buy whatever you want, you know that you cannot afford it, but with a credit card, that is not there so sometimes you tend to overspend and buy things you don't actually need.

Todd: True, that is a good point. I guess the key thing is to be careful.