What is the simple way of payment - Cash or Credit Card?

When I think about living simple life, I cannot leave "Finance" part out of it.

And biggest dilemma I had for few years was, should I use Cash or Credit card when I want to live financially simple life.

Many of people I know believe that carrying just few credit card is the way of living simple,  financially.

You neither need thick wallet clogged with small bills nor have to carry around heavy and annoying coins. I don't blame people to think, just carrying around one simple credit card in small card wallet is the simpler way of living financially when you can easily swipe for pretty much everything - And now that we have Apple pay, (Yes, Hong Kong also started the service, and my friends and colleagues are so thrilled about it) it's now even more easier to live wallet free life.

Since I wasn't sure which way of payment was simpler, I tried both. 

(To be honest, I went back and forth several times)

Whenever I was using cash, I saw my friends using simple credit card and thought, yes! using credit card is so much simpler than using cash. Why the hell am I trying to pay in cash and receiving coins as change when I can't even earn mileage? and I went the lifestyle of using credit card.

First few days (or weeks) of using credit card, I thought

' I cannot believe I tried to live off of cash when there is so much easier and simpler way of paying! I am never going back to cash!!"

But you know what?

Even though carrying credit cards were way more simple behavior then carrying cash, my mind felt very clogged with declutter. WHY?

Because I constantly had to think about next Credit card payment date, if I had enough balance for next payment.

More importantly, I felt like I was always in the haze of, am I spending to right amount for this month? Can I afford this? Do I have enough money left over to spend on this?

And let me tell you, if you thinking about these holding credit card, the answer is YES most of the time.

And always by the end of month, when the statement is issued, I felt horrible about myself. 

Even thought it wasn't crazy number, I was not proud because I could not control myself.

If we think about simplifying your "mind", the payment you should go for is, without a doubt, CASH.

Currently, I am back to using cash and even though carrying cash is not so simple than carrying credit card, I no longer have to worry about, can I afford this? how much will I have as this month's final statement?.

I do use credit cards for big purchases (of course, mileage is not harmful if you use it wisely).

But then I put cash back right in, so that it is same as using Cash.

Hope you this helped you guys to decide on which way you want to pay when you want to live simple.

If you have any feedback or experience to share, please feel free to write comment down below.

Thank you :)