>>936709If legit, you've already won your battle by overcoming your addiction.
Things can only get better from here, don't give up.
>>937462>>938722Eurofag here, and most people I know do not have a credit card - only debit and prepaid.
I do have a credit card with no fee (up to 77.47€/month spending, after which there's a retarded 2€ government tax on the balance sheet).
I keep my spending on it below the 77€ mark so I _really_ don't pay anything.
Also it gives me 10% discount at a particular supermarket chain on Tuesdays - a chain I don't even like that much but whatever.
I only keep it as a supplement for my emergency fund for large, single point of failure-style expenses like "I trash my car and need a new one ASAP even if it's a 20 years old Fiat Panda".
Obviously not viable for a "I lost my job" kind of situation, but if that were to happen I'd have plenty of time to withdraw my investments.
