There is debt that builds a life and debt that decorates one. A man who cannot tell the difference between the two will discover it eventually, and the lesson will not be gentle.
Money
The cheapest option costs you the most. This was true in 1905 and it has not improved with time.
A gratuity is not charity. It is the quiet settlement of an account that was never written down but was always understood.
A budget is not a punishment. It is a map of where your money goes, drawn by someone who has decided to look.