Cards are fine as long as you have restraint and willpower, buy stuff then repay it the same night or next night. That’s what I do anyways I never buy anything with my credit card unless I have money in the bank to pay for it.
That’s just me tho I always stayed away from credit cards and such as a teen as I knew what I was like, the horror story’s from others helped as well.
Now a days 35 years old have had that credit card since 2017 and have been fine so far, credit rating is near maxed out as well not that I need a loan etc currently but always handy.
You’re point one, I also do this I have 13 bank accounts currently which are all named so each month I get paid I open the spreadsheet up and I know what’s to get spread into each. Whatever is left in the spare account is the money I can use for that month on anything I want. Of course I could dip into others when needed but I repay them back if I ever do.
P. S space raiders and pot noodles are the boy 