Is using credit for groceries a wise decision for Marcia?

Using credit for groceries can lead to unnecessary debt if not managed carefully. By opting for cash instead, Marcia can stick to a budget, making it easier to control her spending on groceries. Cash transactions can help reinforce the habit of living within her means, as it limits her purchases to what she actually has available.

While using credit may provide some benefits, such as reward points or building credit history, it can also pose risks, especially if she cannot pay the balance in full when it is due. This could result in accumulating interest charges and debt over time. Additionally, tracking expenses becomes crucial; when using credit without diligent monitoring, it is easy for spending to exceed what is manageable.