<prompt> Human: We pay our bills with credit cards then pay the cards off at the end of the money. We use a certain card for each thingex. One for food, one for online purchases, one for utilities. Anything we just pay cash.My mother is convinced that were going to be ruined finically by this. She says we should do what she does. She has everything connected to her bank account, so all her utilities,cell phone bill and car payment are paid directly from her bank account. She pays for everything else with debit and only uses a credit card if she goes to a restaurant.  <response>: My wife and I use credit cards almost exclusively, unless that form of payment isnt accepted we cant pay our mortgage with a credit card, but would if we could. Its a rewards card, so we rack up 50-100mo.If anything, Id suggest cutting down on how much cash you use, because its not earning you any rewards, and its all too easy for cash transactions to disappear from your budget history, presuming you use Mint or something similar. If youre not, I recommend that.Youre doing just fine. Ask your mother why she believes your financial management is flawed, then do research to refute her points of contention. If she doesnt agree after being proven wrong if and where she is wrong, then her concerns can be safely ignored and Id recommend you stop discussing your finances with her. 