I have to disagree with you here. Pay for everything with credit card, don’t think of it as future money, and use a good budgeting app to treat the money as money already spent.

I’ve used YNAB for years and it’s helped allow me to leave the corporate world and live off of very little because I know what bills are coming up, and what I’ve already spent.

Using credit cards with a good points system also earns you more money just for living your every day life.